Bank reconciliation guide

Bank reconciliation is the process of matching the balance and movements on your bank statement against your esaFiskaly general ledger. The single goal: ensure every rupiah that moves through the bank is recorded — and every record is reflected at the bank.

Without regular reconciliation, the P&L and Cash Flow cannot be trusted.

Where differences come from

The three most common sources of difference:

• Timing: you record a check on the 30th but the bank only receives it on the 2nd of the next month.
• Outstanding deposits: deposits that arrive late in the bank's system.
• Bank fees: admin fees or interest that appear on the statement but are not yet booked in esaFiskaly.

esaFiskaly workflow

1. 1

   Import the bank statement

2. 2

   Reconciliation → Import Statement supports BCA, Mandiri, BNI, BRI and generic CSV. The header is auto-detected.

3. 3

   Auto-match suggestion

4. 4

   esaFiskaly matches each statement line against unreconciled journals — by date (±3 days), exact amount, and reference/description. Match rate typically lands at 80–95%.

5. 5

   Confirm or correct manually

6. 6

   The left panel shows statement lines; the right panel shows candidate journals. Click Match to confirm, or Create Journal for lines that don't yet exist in esaFiskaly (bank fees, interest, etc.).

7. 7

   Close the period

8. 8

   Once the difference reaches zero, mark the period as "Reconciled". Closed periods are protected from re-editing.

Reconciliation components

If any of these disagree → there is a movement not yet journaled, or a journal that never reached the bank.

Best practice

• Weekly reconciliation for high-volume retail / F&B accounts.
• Monthly for B2B operating accounts with < 50 transactions/month.
• End of every quarter: full reconciliation before book close.
• Store the original statement PDF in Attachments for audit evidence.

Frequently asked

Next

• What is Arus Kas (Cash Flow)?
• Invoice → Tax → Journal flow