Where to find it in the app
Credit card reconciliation lives on the expense side, not the income side.
Path: My Reports → Review expenses → Match card activity.
That opens the Match receipts, refunds & credits window, where you can connect a card or upload a statement (PDF or CSV).
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 and reviewing card refunds, use Match card activity via the path above.
ℹ️ Older accounts that don't yet show Review expenses will instead find this under a collapsed Reconcile & Spreadsheet Tools section on My Reports, labelled Reconcile card transactions. It's the same feature.
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) Choose Connect Credit Card. ExpenseBot then auto-reconciles each week — it pulls transactions, matches them to your receipts, and sends a weekly summary of what's missing. Fastest option if you want ongoing reconciliation.
After adding or reconnecting a card, choose the activity you want to check. You can select a recent window, the current year to date, or the prior full calendar year. A period check includes all cards currently connected, including cards you just added. Connecting a card by itself does not search its older activity.
If you have another credit card, choose Connect Another Bank and select the card account offered by that institution. A single Plaid connection can expose both credit-card and bank accounts; ExpenseBot lets you choose which cards are used for statement reconciliation. Historical availability is controlled by the institution, so a January 1 start works when that date is within the available history (and ExpenseBot's two-year maximum).
ExpenseBot reconciles connected cards on a weekly cadence. New or unmatched transactions remain review items; they are not silently assigned to an arbitrary project or client. When the available evidence does not support a specific tag, the tag stays blank so you or an assistant can confirm it in Review expenses. High-confidence tag recommendations are suggestions only and require an explicit Apply action.
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 give the cleanest results — nearly every line on a card statement has a matching receipt. Bank/chequing statements also work — see the next section for how to get both the spending and the deposits out of one.
What about bank (chequing) statements?
A bank statement has two kinds of rows, and ExpenseBot handles them in two places today:
- Spending (debits) — upload the statement CSV at My Reports → Review expenses → Match card activity. ExpenseBot reads common bank formats, including separate debit/credit columns, and only treats the debit side as spending. One heads-up: bank payments like rent, insurance, and direct debits often have no receipt to match, so expect some unmatched entries — that's normal, not an error. You can add or ignore each one in a click.
- Deposits (income) — upload the same file under Add Income → Log Income → From CSV. ExpenseBot extracts the money-in rows into your Income tab, skips transfers between your own accounts, and dedupes against income already recorded (including Plaid-detected deposits), so nothing double-counts.
For ongoing, automatic income reconciliation, a live Plaid bank connection is still the best path:
- Ongoing reconciliation → connect your bank via Plaid (Settings → Income Reconciliation, or via My Reports → Review expenses → Match card activity — the same Plaid connection 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.