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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:

FieldDescription
DateValue date of the transaction
DescriptionBooking text from the bank
AmountPositive = credit (money in), Negative = debit (money out)
StatusUnreconciled / Reconciled
MatchSuggested 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.

Personal Transactions​

If you use a mixed personal/business bank account, some imported transactions will be personal (not business-related). Rather than leaving them unreconciled, mark them as personal:

  1. Click the transaction
  2. Click Mark as Personal

Personal transactions are excluded from reconciliation suggestions and do not create any journal entry. They remain in the transaction list with a Personal badge for reference.

To mark multiple personal transactions at once, select them using the checkboxes and click Bulk Mark Personal.

Unmatched Transactions​

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

  • Posted directly — choose an account and create a manual journal entry
  • Marked as personal — excluded from business accounting (see above)
  • 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.

Outgoing Payments​

Gäld can generate a pain.001 XML file (ISO 20022) for batch payment of unpaid expenses. Upload this file directly to your e-banking portal to initiate the payments.

Creating a payment file​

  1. Go to Banking → Outgoing Payments
  2. Select the unpaid expenses you want to pay
  3. Choose the bank account from which the payments will be made
  4. Set the execution date (value date)
  5. Click Download — Gäld generates and downloads the pain.001 XML file

Upload the downloaded file to your bank's e-banking portal (e.g. UBS KeyDirect, PostFinance Business, Raiffeisen e-banking). The bank processes the payment batch on the execution date.

Creditor details required

Each expense must have a supplier with a valid IBAN for the payment to be included in the file. Expenses without a supplier IBAN are excluded.