Where to find it in the app
Credit card reconciliation lives on the expense side, not the income side — easy to miss because the entry point is collapsed by default.
Path: My Reports → click "View your Spreadsheet" → underneath that button, expand the "Spreadsheet Tools" dropdown → click "Match Receipts to Card".
If you opened the income-side Plaid screen first, you'll only see bank account options there. That's by design — that screen is for income detection (Stripe, Shopify, payroll deposits, etc.). For matching credit card charges against your scanned receipts, you want "Match Receipts to Card" via the path above.
Cross-check your scanned expenses against your credit card statement — either by connecting your card via Plaid (automatic) or uploading your statement manually (PDF or CSV).
This feature works best if you already have 20+ receipts scanned. It matches what you've captured against your actual statement — it does not import transactions as new expense rows.
Two ways to reconcile
Option 1 — Connect via Plaid (automatic) Link your credit card and ExpenseBot will pull transactions automatically each month. Fastest option if you want ongoing reconciliation.
Option 2 — Upload your statement manually (PDF or CSV) Don't want to connect your card? Download your credit card statement from your bank's website and upload it directly. Supported formats: PDF and CSV.
Uploads work one statement at a time, month by month — there's no bulk multi-statement upload. For historical cleanup (e.g. cleaning up last year), work through each month's statement individually. There's no cap on how many months you can do; just sequential.
⚠️ Credit card statements only — this feature is designed for credit card statements, not bank account or chequing account statements. For bank statements, see "What about bank statements / income?" below.
What about bank statements / income?
PDF/CSV upload is credit-card statements only. We don't support uploading bank or chequing statements.
For the income side / bank reconciliation, the only path is a live Plaid bank connection:
- Ongoing reconciliation → connect your bank via Plaid (Settings → Income Reconciliation or via Match Receipts to Card — same Plaid Item serves both). ExpenseBot pulls deposits on a weekly schedule and matches them against your Income tab.
- Historical year (previous tax year) → use the Year-End Tax Report (My Reports → Year-End Tax Report). With Plaid connected, year-end can pull a full tax year's worth of bank transactions for any previous year you pick (current year is blocked — only finished years).
⚠️ Plaid history depth depends on your bank — typically 18 to 24 months. If you connect today and try to pull a year from 3+ years ago, Plaid may not have it. Recent years are reliable; older years are bank-dependent.
What reconciliation does
✅ Matches your scanned receipts against your credit card transactions
✅ Flags missing expenses you may have forgotten to capture
✅ Tracks home office deductions (utilities, internet, rent)
✅ Gives you month-by-month confidence before tax time
🔐 Plaid connections are secured with bank-grade encryption. ExpenseBot never sees your login credentials.
💡 Need your full year of transactions for tax prep — including income? Use the Year-End Tax Workbook under My Reports → Year-End Tax Report. It syncs all transactions for a full tax year, identifies income, and generates a tax worksheet.