Where to find it in the app
This answer is for reconciling your own card. For company cards assigned to employees (including a team owner's own company card), use Team Management → Push Settings → Corporate Card; the full admin workflow is in corporate card reconciliation for teams. The team workflow keeps each cardholder's activity separate; do not upload a combined company statement into one person's personal reconciliation.
For team cards, weekly Plaid matching and report periods are separate. Matching runs weekly. A saved statement closing day can align the corporate-card report to an off-month bank cycle; otherwise the team reporting cadence applies. Uploaded team PDF/CSV statements use their exact statement period. See Can I track corporate card expenses without switching to Ramp or Brex? for the full team workflow, including admin approval and report creation.
Credit card reconciliation lives on the expense side, not the income side.
Primary path: My Reports → Review expenses → Check card months. This opens the Match receipts, refunds & credits window, where you can connect a card or upload a statement (PDF or CSV). Team cardholders can also use this entry to resume unfinished corporate-card reviews; see corporate card reconciliation for teams.
Check card months was previously called Match card activity, and My Reports no longer has a separate Card reviews button, so you do not need to look for one. Review expenses is available on every account. You can also start from Year End: in the Credit Card Reconciliation row, click a month to check that month against its card statement.
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 Review expenses → Check card months.
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.
Upload one file at a time. A full-year PDF or CSV is supported when that single export contains individual dated transactions; a category-total-only year-end summary cannot be matched. You can also upload monthly statements one by one. Do not stitch separate statement files together. For exact button presses and the difference between card and bank-account PDFs, see manual statement uploads.
In My Reports → Year-End, selecting a month opens it for review; opening or closing it does not mark it verified. After you have checked the matches and handled anything missing, choose Complete Reconciliation. Only then does the month receive its green verified check. Closing returns you to the same Year-End review step, tax year, and filing period.
💡 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 → Check card months. 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) — click Add Income → Log Income → From CSV for a CSV, or From screenshot or PDF for an itemized bank-account PDF. Review every proposed row before saving it to Income, especially transfers and income already recorded. This manual import is not the same as Plaid bank-deposit matching or the Year-End bank tabs.
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 → Check card months — the same Plaid connection serves both). ExpenseBot pulls deposits on a weekly schedule and matches them against your Income tab.
- Historical year → use My Reports → Year-End Tax Workbook for a year-end report. Bank connection is optional. Plaid can contribute bank transactions only when that year is within the history available from the connection; it cannot fetch an arbitrarily old year.
Older statements: Plaid requests at most 730 days of history when first linking an account. For a year older than that, download statements directly from the bank and use the manual paths above; do not depend on a new Plaid connection for that year.
If ExpenseBot says "Reconnect your bank"
Your bank connection needs a login refresh, so automatic weekly reconciliation is paused. Gmail receipt scanning and your existing expense records continue to work.
Choose Reconnect now in the amber dashboard banner. ExpenseBot opens the secure bank login in update mode. Reconnecting preserves the existing connection, transaction history, matches, and reconciliation rules.
The banner remains visible in your own ExpenseBot workspace until the bank is reconnected or deliberately disconnected. It does not appear while an accountant or assistant is working in another person's account.
ExpenseBot sends a small, capped sequence of required service notices for one unresolved connection. Under the current cadence, notices can arrive when the problem is first detected, about two and six weeks later, and as one final check-in 90 days after that. Older outage sequences whose third notice already described itself as final may still receive this one last check-in under the current policy; no fifth notice is sent. A successful reconnect resets the cadence so a genuinely new future outage starts with the first notice.
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.