Banking

Gäld imports Swiss bank statements in CAMT format and helps you reconcile transactions with invoices and expenses.

Setting Up Bank Accounts

Before importing statements, add your bank account:

1. Go to Banking → Bank Accounts → Add Account
2. Enter:
   • Account name (e.g. "Raiffeisen CHF")
   • IBAN
   • Linked ledger account (e.g. 1020 Bank)
3. Save

You can add multiple bank accounts (CHF, EUR, etc.).

Importing a Bank Statement

Gäld supports CAMT.053 (end-of-day statement) and CAMT.054 (debit/credit notifications) — the standard formats provided by Swiss banks (PostFinance, Raiffeisen, UBS, ZKB, etc.).

To import:

1. Download the CAMT XML file from your e-banking portal
2. In Gäld: Banking → Import
3. Select the bank account and upload the XML file
4. Click Import

Gäld automatically:

• Detects the CAMT format (053/054)
• Parses all debit and credit entries
• Deduplicates transactions (re-importing the same file is safe)
• Stores debtor/creditor name, reference, and structured reference (QR-Bill reference)

Transaction List

After import, all transactions appear in Banking → Transactions. Each row shows:

Field	Description
Date	Value date of the transaction
Description	Booking text from the bank
Amount	Positive = credit (money in), Negative = debit (money out)
Status	Unreconciled / Reconciled
Match	Suggested match (invoice or expense)

Reconciliation

Reconciliation links a bank transaction to an invoice or expense, creating the closing journal entry.

Automatic Matching

Gäld's matching engine automatically suggests matches based on:

• QR-Bill structured reference (exact match)
• Amount
• Date proximity
• Debtor/creditor name

Suggested matches appear highlighted in the transaction list.

Manual Reconciliation

When no automatic match is found:

1. Click the transaction
2. Search for the matching invoice or expense
3. Click Reconcile

This creates the journal entry linking the bank transaction to the document.

Reconciling with an Invoice

When you reconcile a credit (incoming payment) with an open invoice:

Debit   1020  Bank                   CHF 1,081.00
Credit  1100  Accounts Receivable    CHF 1,081.00

The invoice is marked as Paid.

Reconciling with an Expense

When you reconcile a debit (outgoing payment) with an expense:

Debit   6000  Expense Account        CHF 1,000.00
Debit   1170  Input VAT              CHF    81.00
Credit  1020  Bank                   CHF 1,081.00

The expense is marked as Posted.

Rule Engine

Enterprise Edition

The Rule Engine is available in the Enterprise Edition (EE) of Gäld.

Frequently recurring transactions (e.g. monthly rent, subscriptions) can be matched automatically using rules:

1. Go to Banking → Rules → Add Rule
2. Define matching conditions:
   • Creditor/debtor name contains…
   • Amount equals…
   • Description contains…
3. Set the action: assign expense category, link to a specific contact

Rules are applied automatically on each import.

Unmatched Transactions

Any transaction not matched to an invoice or expense can be:

• Posted directly — choose an account and create a manual journal entry
• Left pending — until the corresponding invoice or expense is created

Import History

View all past imports under Banking → Imports. Each import shows the filename, date, and number of transactions created.