Bank statement reconciliation for UK accountants

Bank statements in.Proved books out.

PDF bank statements from any bank, broker or exchange become one reconciled, categorised set of books on your own machine. Enclave matches every transfer to its counter-leg, casts and cross-casts every statement, and exports to Xero, Sage, QuickBooks, FreeAgent and MTD bridging software. Nothing is uploaded.

Live settlement graph · synthetic, seeded, replayable · hover an account

proof receipts

#468f·£20,287.91·hsbc→chase·TIES ✓

#a41f·£12,400.00·barclays→kraken·TIES ✓

#6c02·£8,210.00·natwest→barclays·TIES ✓

#e977·£2,140.00·monzo→?·HELD·awaiting counter-leg

#1b3d·£640.00·revolut→wise·TIES ✓

BARCLAYS ····120441 rows✓ tiestransfer £12,400.00 barclays→kraken✓ matchedHSBC ····8802129 rows✓ tiesfx £84,000.00 → €98,700.60✓ tiesreceipt #a41f written✓MONZO ····331057 rows✓ tiestransfer £2,140.00 monzo→?HELDIBKR ····221477 rows✓ tiesfx $40,000.00 → ¥5,892,800✓ tiesNATWEST ····663188 rows✓ tiesBARCLAYS ····120441 rows✓ tiestransfer £12,400.00 barclays→kraken✓ matchedHSBC ····8802129 rows✓ tiesfx £84,000.00 → €98,700.60✓ tiesreceipt #a41f written✓MONZO ····331057 rows✓ tiestransfer £2,140.00 monzo→?HELDIBKR ····221477 rows✓ tiesfx $40,000.00 → ¥5,892,800✓ tiesNATWEST ····663188 rows✓ ties

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Treasury

One proved total.

Six accounts in five currencies, plus a crypto balance, carried into one total. Change the reporting currency and every figure re-derives from the same inputs.

total treasury value

£2,732,017.54

Sterling−0.92%vs opening

£412,940.10

≈ £412,940.10

US Dollar−1.52%vs opening

$1,204,118.55

≈ £948,050.19

Euro+1.20%vs opening

€688,204.90

≈ £585,706.30

Yen+1.37%vs opening

¥44,120,000

≈ £299,484.12

Swiss Franc+1.14%vs opening

CHF 302,441.25

≈ £270,036.83

Exchange · BTC−0.05%vs opening

₿4.2081

≈ £215,800.00

derived from statements · same inputs, same total, every time

FX reconciliation

Every rate comes off a statement.

Both legs of every conversion come off statements. If the arithmetic cannot evidence the rate, the pair is blocked until the missing statement arrives.

pair	sold	bought	rate	Δ	status
GBP→USD	£120,000.00	$152,412.00	1.2701	0.00	TIES ✓
GBP→EUR	£84,000.00	€98,700.60	1.1750	0.00	TIES ✓
USD→JPY	$40,000.00	¥5,892,800	147.3200	0.00	TIES ✓
GBP→CHF	£52,000.00	CHF 58,240.00	1.1200	0.00	TIES ✓
GBP→AED	£9,400.00	AED 43,061.10	—	—	BLOCKEDrate not evidenced

Sources

If it prints a statement, it reconciles.

banks

Current & deposit accounts

High-street, challenger, private. Any currency symbol on the page, both decimal conventions, derived or printed amounts. The same checks apply to every layout.

brokers

Investment & margin accounts

Contract notes and cash statements from brokers reconcile the same way as bank statements: opening, movements, closing. Corporate actions land as movements with receipts.

exchanges

Exchange accounts

Exchange statements reconcile the same way. A BTC ledger either ties or it doesn't, and the same checks apply to every asset.