Bank Statements

A bank statement in Ayiza represents a set of transactions for a specific bank account over a given period. You can create statements manually, import transaction lines from a CSV file, or connect your bank account via Open Banking to fetch transactions automatically.

Bank statement fields

Every bank statement has the following header fields:

Field	Description
Company Code	The company code that owns the bank account.
Bank Account	The company bank account this statement belongs to.
Statement Date	The date of the statement (typically the closing date).
Statement Number	A unique identifier for the statement, assigned automatically or entered manually.
Opening Balance	The account balance at the start of the statement period.
Closing Balance	The account balance at the end of the statement period.
Currency	The currency of the bank account (inherited from the bank account master data).

Creating a bank statement manually

1. Navigate to Banking > Bank Statements.
2. Click Create.
3. Select the Company Code and Bank Account.
4. Enter the Statement Date, Opening Balance, and Closing Balance.
5. Click Save.

The statement is created in Draft status. You can now add individual lines.

Adding lines manually

1. Open the bank statement you just created.
2. In the statement lines section, click Add Line.
3. Fill in the line fields (see below) and save.
4. Repeat for each transaction.

Statement line fields

Each line within a bank statement represents a single transaction:

Field	Description
Booking Date	The date the transaction was recorded by the bank.
Value Date	The date the funds were actually available (may differ from booking date).
Amount	The transaction amount.
Debit/Credit	Whether money left the account (debit) or entered the account (credit).
Description	Free-text description of the transaction, usually provided by the bank.
Reference	A bank reference or transaction ID.
Partner Name	The name of the counterparty (if available).
Partner IBAN	The IBAN of the counterparty (if available).
Currency	Transaction currency (usually the same as the account currency).

Importing statement lines from CSV

If your bank provides transaction exports as CSV files, you can import them in bulk rather than entering lines one by one.

1. Navigate to Banking > Bank Statements.
2. Create a new statement header (or open an existing Draft statement).
3. Click Import Lines.
4. Download the CSV template to see the expected column format.
5. Fill in the template with your bank's transaction data, or map your bank's export to match the template columns.
6. Upload the completed CSV file.
7. Ayiza validates each row and creates statement lines for all valid entries. Any validation errors are shown so you can correct and re-import.

tip

You can download a blank import template at any time from the import dialog. This ensures you always have the correct column headers.

Open Banking (automatic transaction fetching)

Ayiza integrates with GoCardless (formerly Nordigen) to connect directly to your bank and fetch transactions automatically. This removes the need for manual CSV exports.

How it works

1. Navigate to Banking > Company Bank Accounts.
2. Open the bank account you want to connect.
3. Click Connect Bank (or Open Banking).
4. Ayiza redirects you to your bank's authorisation page. Log in and grant read-only access to your account.
5. Once authorised, Ayiza stores the connection and can fetch transactions on demand.

Fetching transactions

After the connection is established:

1. Open the bank account or bank statement.
2. Click Fetch Transactions.
3. Ayiza pulls the latest transactions from your bank and creates statement lines automatically.

Fetched lines are marked with an Open Banking source indicator so you can distinguish them from manually entered or CSV-imported lines.

Access duration and re-authorisation

• Bank connections are valid for 90 days from the date you authorise.
• After 90 days, you need to re-authorise by clicking Connect Bank again and completing the bank's login flow.
• Ayiza will notify you when a connection is approaching expiry.

info

Open Banking provides read-only access to your bank account transactions. Ayiza cannot make payments or modify your account in any way.

Statement status and lifecycle

Bank statements progress through the following statuses:

Status	Meaning
Draft	The statement has been created but not yet finalised. You can still add, edit, or remove lines.
Entered	All lines are entered and balances match. Lines are locked and ready for reconciliation.
Entered with Postings	The statement was previously reconciled (partially or fully), but all reconciliations have been reversed. Postings exist in the audit trail.
Partially Reconciled	Some statement lines have been reconciled, but others remain open.
Reconciled	All statement lines have been reconciled. The statement is complete.
Deleted	The statement was deleted while in Draft or Entered status (before any postings were made).
Cancelled	The statement had postings but was marked as duplicate or obsolete. All associated postings are reversed.

Status flow

Draft ──────────── Entered ─────────────── Partially Reconciled ──── Reconciled
  │                   │                        │        ▲                │
  │                   │                        │        │                │
  │                   ▼                        │        │                ▼
  │            EnteredWithPostings ─────────────        │        PartiallyReconciled
  │                   ▲                                 │                │
  │                   │                                 │                │
  │                   └─────────────────────────────────┘                │
  │                   ▲                                                  │
  │                   └──────────────────────────────────────────────────┘
  │                                                          (full reversal)
  │
  ├──► Deleted   (Draft or Entered only, before any postings)
  │
  └──► EnteredWithPostings ──► Cancelled   (has postings, marked as duplicate/obsolete)

Key transitions:

From	To	Trigger
Draft	Entered	All lines are entered and the sum of lines matches the opening/closing balance difference.
Entered	Partially Reconciled	At least one line is reconciled.
Entered	Reconciled	All lines are reconciled in one go.
Entered with Postings	Partially Reconciled	At least one line is reconciled again.
Entered with Postings	Reconciled	All lines are reconciled again.
Partially Reconciled	Reconciled	The remaining open lines are reconciled.
Reconciled	Partially Reconciled	Some (but not all) reconciled lines are reversed.
Reconciled	Entered with Postings	All reconciled lines are reversed.
Partially Reconciled	Entered with Postings	All reconciled lines are reversed.
Draft / Entered	Deleted	Statement deleted before any postings exist.
Entered with Postings	Cancelled	Statement marked as duplicate or obsolete.

Statement line statuses

Individual lines within a statement have their own status:

Status	Meaning
Draft	The line is part of a draft statement and can still be edited or deleted.
Unreconciled	The statement has been entered. The line is ready for reconciliation.
Reconciled	The line has been reconciled and an accounting document has been posted.
Unreconciled with Postings	A previously reconciled line whose reconciliation was reversed. Postings exist in the audit trail.
Cancelled	Terminal state — the line is marked as duplicate or obsolete and is ignored in all calculations.

Draft ──► Unreconciled ──► Reconciled ──► Unreconciled with Postings
  │            │                                    │         │
  ▼            ▼                                    │         ▼
Delete       Delete                                 │      Cancelled
                                                    │
                                                    ▼
                                                Reconciled (again)

info

Unreconciled with Postings means the line has been reconciled at least once before. The line itself is immutable — you cannot edit its core fields. This preserves the audit trail. You can reconcile it again or cancel it, but you cannot change the original transaction data.

info

Cancelled is a terminal state. Once a line is cancelled, it cannot be reconciled or modified further. Cancelled lines are excluded from balance calculations and reconciliation totals.

Reversing a bank statement

If a statement was entered or reconciled in error, you can reverse it. There are two levels of reversal:

Reversing individual lines

You can reverse the reconciliation of a single statement line without affecting the rest of the statement.

1. Open the bank statement.
2. Find the reconciled line you want to reverse.
3. Click Reverse Reconciliation on that line.
4. Enter a reversal reason and a reversal date (defaults to the line's booking date).
5. Confirm.

What happens:

• The line status changes from Reconciled to Unreconciled with Postings.
• The accounting document created during reconciliation is reversed (a reversal posting is generated).
• The statement status updates accordingly (e.g., from Reconciled to Partially Reconciled).

Reversing the entire statement

You can reverse all reconciliations on a statement at once.

1. Open the bank statement.
2. Click Reverse (or Cancel).
3. Enter a reversal reason and a reversal date (defaults to the statement date).
4. Confirm.

What happens:

• All reconciled lines are set to Unreconciled with Postings.
• All accounting documents from reconciliation are reversed.
• The statement status changes to Entered with Postings.
• The general ledger reflects all reversals immediately.

caution

The reversal date must not be earlier than the original posting date (booking date for lines, statement date for the full statement). Ayiza validates this and will show an error if the date is invalid.

warning

Reversing a bank statement undoes all reconciliation work on that statement. If many lines were already reconciled, you will need to re-reconcile them after correcting the issue.

Next steps

• Bank Reconciliation — Learn how to reconcile your imported statement lines.
• Cash Flow Forecast — See your projected cash position based on open invoices.