Bank Integration Tool

The Bank Integration Tool allows you to automatically import transactions from bank accounts and create the corresponding accounting documents. This process can be performed manually, semi-automatically (using templates), or automatically (with assistants that we are currently developing).

How does it work?

Transactions are imported from the bank and displayed in a table with the following columns:

• Incoming / Outgoing
• Balance
• Date
• Category
• Description
• Related document

From this view, the user can:

• Create documents directly from bank transactions.
• Use templates to speed up the creation of recurring documents.
• Select multiple rows and process them in batch mode.
• View excluded or unallocated transactions.

Automation (under development)

Assistants are being developed to automatically generate documents. For example:

• The system will be able to read the description of a bank transaction.
• If an invoice number or order number is found and the amount matches, the system will automatically create a bank transfer linked to the corresponding document.

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Bank Account Setup

The bank account card allows you to configure the available integration options. There are three main integration methods:

1. PSD2 Integration

Recommended if the bank supports PSD2. To activate it:

• Enable "Use this integration option".
• Select the PSD2 service from the dropdown list. The value depends on the bank.
• The bank is determined automatically based on the IBAN.

PSD2 Consents

The system requires a valid consent to access banking data. A table is displayed with the following information:

• Product: bank account identifier.
• Consent: consent number and date.
• Status: for example, Valid.
• Valid until: consent expiration date.
• Consent type: usually read (read-only access).
• Last update: date of the last transaction import.

Available Actions

• Refresh: manually synchronize the list of consents.
• Cancel consent: revoke the system's access to the bank account.

2. Password-Based Integration (legacy, visible only to users who used it previously)

An alternative method for banks that allow direct access (without PSD2 intermediaries). To activate it:

• Enable "Use this integration option" in the corresponding tab.
• Fill in the following fields:

Field	Description
Service	Type of integration without PSD2. The value is provided by the bank. It is automatically determined by the IBAN and usually identifiable by its name.
Identification	Bank user identifier.
Password	Password associated with the bank account.
Folder (optional)	Sometimes it is necessary to specify a subfolder or additional path.
account_id	Internal bank account identifier.
products	Banking product (usually the IBAN).

• Click "Check connection" to verify that the settings are correct.

3. File Upload (CSV format)

If no active integration is configured, bank transactions can be imported manually from a CSV file.

CSV File Requirements

• The file must have the .csv extension.
• You can specify that the first row contains headers.
• The separator character can be configured (default is ;).
• The file must be encoded in UTF-8.

File Processing Settings

In the File Upload tab, you can configure how CSV data should be interpreted:

Field	Description
File extension	Allowed format (csv).
First row contains headers	When enabled, the first row will not be processed as a transaction.
Date format in file	Expected date format (dd-mm-yyyy, yyyy-mm-dd, etc.).
Separator character	Character separating columns (for example , or ;).
Amount column number	Index of the column containing the amount (starting from 1).
Date column number	Index of the column containing the transaction date.
Transaction description column number	Index or indexes of the columns containing the description. Multiple columns can be specified separated by commas.
Transaction ID column number	Index of the column containing the unique transaction identifier. This field is optional but recommended. The system uses it to avoid importing the same data multiple times if the file is uploaded again. If the column is not specified, the system will automatically generate an identifier based on a hash calculated from the main transaction data to achieve the same effect.

After upload, transactions will appear in the general list and will be ready for classification or document creation.

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Next Steps

• Configure the bank account with the required integration type.
• Activate consents if PSD2 is used.
• Upload transactions manually if there is no active integration.
• Use templates to speed up processing.
• Test the automatic assistants (if available) or contact support to activate them.