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First: compare like with like
Use the identical account, currency and dates shown on your statement. Compare the opening balance and closing balance separately from spending reports; transfers and credit-card payments can move money without counting as new expenses.
Use an actual calculation
For example, opening $1,200 + deposits $2,000 − withdrawals $850 = $2,350 expected at close. If Cashflow shows $2,400, find the missing $50 rather than simply editing the opening balance.
Check these common causes
- Transaction outside the statement period or still pending at the bank
- Overlapping or duplicate statement imports
- Credit/debit signs reversed in a CSV mapping
- Split transaction counted more than once
- Credit-card refund treated as an expense or income incorrectly
- Transfer assigned to the wrong account
Where to look
For Personal, open statement checks and review the transaction records. For Business, check which rows are Pending versus Posted and whether they affect the expected Chart of Accounts account. Don't assume that an imported row changes posted balances until it is approved.
Make a supported correction
Use the transaction editor or statement-import review/undo actions to correct the actual source error. Recheck the comparison for that statement period. Don't create an unexplained adjustment just to force agreement.
See the fully worked statement reconciliation walkthrough or troubleshooting hub.
Want the bigger picture? Explore the Personal, Portfolio and Business product tour →