How to match receipts to a bank statement on a Mac

Tick each debit against its receipt by hand with Numbers, or let Kempt read your statement (CSV, OFX or PDF) and list the debits that still have no document.

Last checked 2 min read

Part of Money admin · How to send your accountant a clean monthly pack from a Mac

Bank · 12 of 14 debits have a document
Oct 3Adobe$59.99✓
Oct 7Office rent$950.00✓
Oct 12Amtrak$86.40✓
Oct 19Restaurant$188.08⚠
No document for2 debits
PDFCSVZIP

In short

Export the month from your bank as CSV, open it in Numbers, and add a column where you tick each debit that has a receipt or invoice in your folder.What’s left unticked is what your accountant will ask about. Kempt does the matching on your Mac: add the statement to the month’s accountant pack and it shows how many debits have a document and lists the ones that don’t, largest first.

Without any app

  1. Export the statement

    From your bank’s website, download the month as CSV (or OFX). A PDF works too, but a CSV opens as a table.

  2. Open it in Numbers

    Double-click the CSV, add a column “Receipt” and freeze the header row. Sort by amount so the large debits come first.

  3. Tick against your folder

    For each debit, find the receipt or invoice in the month’s folder and put its file name in the Receipt column. Names that start with the date make this much faster.

  4. Chase what’s missing

    Filter for empty Receipt cells. Ask the seller for an invoice, find the email, or note “no receipt” with the reason. Card payments of a few euros or dollars are often grouped by accountants; ask yours.

With Kempt

  1. 1

    Add Bank Statement…

    In the month’s accountant pack, click Add Bank Statement… and choose the CSV, OFX or PDF. Kempt shows “12 of 14 debits have a document” and lists the debits with no document, largest first. Nothing leaves your Mac.

  2. 2

    Small and cash, handled

    Everyday card payments under 20 are grouped into one line with their total, and cash withdrawals are left out.

  3. 3

    The pack, ready to send

    Copies, one merged PDF, a CSV (Date, Issuer, Type, Total, Currency, Number, File, Needs a look), a ZIP and a draft in Mail, for you to review. Totals read from photos of receipts wait for your Confirm.

Names, files and finds your documents with Apple’s on-device model. Processed on your Mac.

$27 once, 14 days freeRuns on every Apple silicon MacA question? Ask a person

Questions people ask

How do I reconcile receipts with my bank statement?

Put the statement in a spreadsheet and record, for each debit, the file of its receipt. The empty rows are what’s missing.

What if a receipt is missing?

Ask the seller for an invoice, look for the confirmation email, or note the payment for your accountant with what it was.

Can Kempt read a PDF bank statement?

Yes: CSV, OFX and PDF statements can be added to the month’s pack.

Is my bank statement uploaded anywhere?

No. Kempt reads it on your Mac.

What is bank reconciliation?

Checking that every line on your statement matches a record. For a freelancer, it means a receipt or invoice for each business debit.

How do I export a bank statement as CSV?

In your bank’s website, open the account history and look for Download or Export; choose CSV for a spreadsheet.

Can Numbers open a bank CSV?

Yes. Double-click the file, or drag it onto Numbers.

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