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Top Rated Accounting Software with Bank Reconciliation in 2026

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All user reviews are verified by in-house moderators and provider data by our software research team.  Learn more

Last updated: February 2026

Bank reconciliation ensures the accuracy of financial records by comparing bank statements with internal records. It helps identify discrepancies, detect errors, reduce fraud, and streamline the reconciliation process, saving time and improving financial management. Our reviewers in accounting software rated this feature as important.

7 Best Accounting Software with Bank Reconciliation

Product
User rating
Starting price
Sage Intacct logo
4.3
(591)
Empty state illustration for "No pricing info"

No pricing info

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Xero logo
4.4
(3.2K)
25
flat rate/per month
visit website
Zoho Books logo
4.4
(671)
20
other/per month
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NetSuite logo
4.2
(1.7K)
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No pricing info

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FreshBooks logo
4.5
(4.5K)
21
flat rate/per month
visit website
Wave logo
4.4
(1.7K)
19
flat rate/per month
QuickBooks Online logo
4.3
(8.3K)
38
flat rate/per month

See other top Accounting products with bank reconciliation

How we picked the 7 top rated products

We chose the high-performing solutions on this list based on verified user ratings on our site. Depending on available data, qualifying products either had to be among the most user-reviewed or the most searched-for products in the Accounting software category. They also needed to have sufficient reviews about bank reconciliation, have a minimum user rating of 3 out of 5 for that feature, and show evidence of U.S. market presence. We then added a distinction for up to three products based on our proprietary ratings and reviews: Highest rated, Highly rated for bank reconciliation, and Highly rated for free version. Sponsorship or client status has no influence on the selection of these products, but it may impact the order in which products appear.

Details for the 7 best products

Sage Intacct logo

Sage Intacct

Reviews Sentiment
 
 
 
1-2(22)
3-4(299)
5(270)
Key Features
Income & Balance Sheet4.4
Financial Reporting4.0

User insights about the bank reconciliation feature

Reviewers find Sage Intacct's bank reconciliation feature functional and easy to use. They appreciate the automation of the reconciliation process, which saves time and helps identify discrepancies. Users value the ability to upload bank statements and the feature's integration with other financial applications. Some note that the process can be initially difficult to understand.
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“I like that Sage Intacct's Bank Reconciliation feature helps automate the process of reconciling an organization's bank accounts. It can quickly identify and detect any discrepancies between the company's bank account and the company's general ledger. This allows an organization to quickly resolve any issues and keep its financials up to date.”
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Devendra K.

Manager

“I like that I can upload the bank statement and Sage auto matches as much as it can for the month. Saving me time.”
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Marlene A.

Director of Finance and Systems

Starting price
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No pricing info

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Pros and Cons based on 591 verified reviews
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Cloud-based flexibility

Comprehensive dashboard features

Scalable for business growth

Challenges in issue resolution

High costs and complex pricing

See pros and cons details
Xero logo

Xero

Reviews Sentiment
 
 
 
1-2(157)
3-4(1,150)
5(1,943)
Key Features
Income & Balance Sheet4.6
Financial Reporting4.4

User insights about the bank reconciliation feature

Reviewers appreciate Xero's bank reconciliation for its automation, ease of use, and time-saving capabilities. They value the automatic import of bank transactions, smart matching suggestions, and the ability to rectify errors quickly. Users highlight the seamless integration with bank feeds, although some report occasional disconnections. Overall, they find the process intuitive and efficient, significantly simplifying financial management.
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“Xero's 'Bank Reconciliation' ensures financial accuracy with daily checks, smart suggestions, and quick bulk processing. It empowers your workflow, saving valuable time.”
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Anna F.

Administrator

“With the feature of linking live bank feed, it is easier to reconcile book balance with bank balances and be able to generate bank reconciliation report as needed ”
SS

Shea S.

Analyst

Starting price
25flat rate /
per month
visit website
Pros and Cons based on 3,250 verified reviews
Verified reviewer profile picture

Cloud accounting accessibility

Customizable dashboard

Effective bookkeeping tools

Accessible learning resources

User-friendly interface

Slow issue resolution

Poor customer support

Limited inventory management

Lack of live support

Underdeveloped mobile access

See pros and cons details
Zoho Books logo

Zoho Books

Reviews Sentiment
 
 
 
1-2(27)
3-4(270)
5(374)
Key Features
Income & Balance Sheet4.6
Financial Reporting4.5

User insights about the bank reconciliation feature

Users appreciate Zoho Books' bank reconciliation for its ease of use and reliability. They highlight the ability to import bank statements and the integration with bank accounts. However, some find the process tedious and report occasional bugs. Overall, they value the feature for its effectiveness in maintaining accurate financial records.

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“I love how it pulls the information in from the bank feed and the ease of matching transactions so I can make sure I have the support for each expense.”
BC

Briana C.

Accounts Payable Manager

“Bank reconciliation can be done online by linking the bank accounts to zoho books and the process is made simple and user friendly”
SV

Shanmugam V.

Article Trainee

Starting price
20other /
per month
visit website
Pros and Cons based on 671 verified reviews

Seamless CRM integration

Ideal for small businesses

Efficient invoicing features

Comprehensive financial management

Frequent software issues

Slow and unresponsive support

Bank transactions management issues

See pros and cons details
NetSuite logo

NetSuite

Reviews Sentiment
 
 
 
1-2(92)
3-4(902)
5(775)
Key Features
Income & Balance Sheet4.3
Financial Reporting4.3

User insights about the bank reconciliation feature

Reviewers appreciate NetSuite's bank reconciliation for its automation and integration with other financial applications. They value the elimination of manual data entry and the reduction of errors. Users highlight the ease of tracking transactions and reconciling accounts, although some report challenges with implementation and the need for third-party tools. Overall, they find the feature efficient and helpful for maintaining accurate financial records.
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“This is very helpful to avoid manual reconciliations in excel. Having automatic matching or upload of transactions for each reconciliation would be best option.”
EG

Emma G.

Senior Accounting Manager

“Automated transaction matching speeds up the reconciliation process for recurring transactions.”
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Rob B.

President

Starting price
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No pricing info

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Pros and Cons based on 1,769 verified reviews
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Cloud-based accessibility

Efficient inventory management

Flexible customization options

Customizable and informative dashboards

Convenient web access

Slow performance speed

Prohibitive pricing for small businesses

Challenging implementation process

Inadequate customer support

Inefficient sales management

See pros and cons details
FreshBooks logo

FreshBooks

Reviews Sentiment
 
 
 
1-2(82)
3-4(1,765)
5(2,654)
Key Features
Income & Balance Sheet4.4
Financial Reporting4.5

User insights about the bank reconciliation feature

Reviewers value FreshBooks' bank reconciliation for its simplicity, accuracy, and time-saving capabilities. They appreciate the automated matching of transactions, real-time updates, and integration with bank accounts. However, some users report issues with connection stability and accuracy of automatic matching. Overall, they find the feature helpful for maintaining accurate financial records.

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“Bank reconciliation in FreshBooks is very handy feature for keeping financial records accurate. It helps me ensure that my records match those of my bank, reducing errors and making it easier to spot discrepancies. I just love it.”
CV

Charles V.

Designer

“By using FreshBooks for bank reconciliation, users can save time and reduce errors in their financial records. Rather than manually comparing their bank statement to their accounting records, FreshBooks users can simply import their bank statement into the software and match each transaction with the corresponding record in the system. This process helps to ensure that all transactions are accurately recorded and eliminates the risk of double-entry errors.Furthermore, using FreshBooks for bank reconciliation can help businesses to improve their cash flow management. By reconciling their bank statement regularly, businesses can quickly identify any discrepancies or issues with their financial records and take action to resolve them. This can help to prevent overdrafts, bounced checks, and other financial problems that can impact a business's cash flow.”
RS

Riya S.

Virtual Bookkeeper

Starting price
21flat rate /
per month
visit website
Pros and Cons based on 4,501 verified reviews

Cloud accounting accessibility

Efficient invoicing capabilities

Tailored for small businesses

Minimal learning curve

Effective freelancer tools

Reliance on internet connection

Limited bank integration

High costs for larger teams

Frequent technical issues

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Wave logo
Reviews Sentiment
 
 
 
1-2(107)
3-4(553)
5(1,049)
Key Features
Income & Balance Sheet4.5
Financial Reporting4.4

User insights about the bank reconciliation feature

Users appreciate Wave's bank reconciliation for its ease of use and accuracy. They highlight the automatic integration with bank accounts, which simplifies the reconciliation process. Reviewers find the feature efficient and helpful for maintaining accurate financial records, although some report occasional connection issues. Overall, they value the convenience and reliability of the feature.
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“You can sync your bank statements with Wave to automatically do a recon, or you can manually upload your monthly statements and do the recon. ”
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Dedre M.

CEO

“With Bank Reconciliation feature in Wave Accounting I can make daily bank reconciliation.”
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Rami H.

Internal Auditor

Starting price
19flat rate /
per month
Pros and Cons based on 1,709 verified reviews
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Affordable for small businesses

Intuitive and modern interface

Excellent value for small businesses

Comprehensive invoicing features

Effective bookkeeping solution

Slow performance and load times

Ineffective email communication

Limited customer support options

Unresolved software issues

Challenging bank reconciliation

See pros and cons details
QuickBooks Online logo
Reviews Sentiment
 
 
 
1-2(453)
3-4(3,126)
5(4,746)
Key Features
Income & Balance Sheet4.5
Financial Reporting4.4

User insights about the bank reconciliation feature

Users find QuickBooks Online's bank reconciliation feature easy to use and efficient. They appreciate the automatic syncing with bank accounts, which simplifies the reconciliation process and reduces manual data entry. Reviewers note occasional connection issues and the need for frequent refreshing, but overall, they value the feature for its accuracy and time-saving benefits.
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“Quickbooks Online can be linked to your bank to help speed up bank reconciliation - cleared payments and deposits within the time period get automatically selected for you to review and verify.”
TS

Tracey S.

Treasurer

“QuickBooks Online makes it easy to reconcile bank accounts by automatically syncing with your bank accounts and categorizing transactions. This helps businesses ensure that their financial records are accurate and up-to-date.”
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Elisabetta B.

Ecommerce Manager

Starting price
38flat rate /
per month
Pros and Cons based on 8,325 verified reviews
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Cloud-based accessibility

Ideal for small businesses

Seamless integrations

Comprehensive accounting features

Efficient tax management

Frequent bugs and crashes

Limited desktop features

Recurring costs and price increases

Inadequate customer support

Complicated transaction management

See pros and cons details

Other Top Rated Accounting Software with Bank Reconciliation in 2026

Sage Intacct logo

Sage Intacct

Category Leaders

Best-in-class Cloud ERP for Finance

visit website
Sage Intacct’s core financials automate your most important processes, reduce your reliance on spreadsheets, and give you greater visibility into your business

Read more about Sage Intacct

Users also considered
Accounting Seed logo

Accounting Seed

Category Leaders

Accounting and analytics software built on Salesforce

visit website
Accounting Seed is cloud-based software built in Salesforce that gives you all the tools you need to seamlessly connect financial data company-wide. Learn more about our product at: https://www.accountingseed.com/product/.

Read more about Accounting Seed

Users also considered
QuickBooks Enterprise logo

QuickBooks Enterprise

Category Leaders

Enterprise accounting, FSM and inventory management solution

visit website
QuickBooks Desktop Enterprise is an accounting software for small businesses which provides users with real-time access to customer, employee, and vendor information. The software includes tools for managing inventory, shipping, sales orders, pricing, tasks, invoicing, reporting, and more.

Read more about QuickBooks Enterprise

Users also considered
Xero logo

Xero

Category Leaders

Cloud-based accounting software for small businesses

visit website
Xero is an award-winning online accounting software designed for small business owners and accountants, available on any computer or mobile device with an internet connection. Automate your invoicing and reporting, get a full picture of your business with up-to-date financial data, and much more.

Read more about Xero

Users also considered
Canopy logo

Canopy

Practice management software for accounting firms

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Canopy is a cloud-based practice management solution for accounting professionals. Streamline your firm and create a connected client experience using our suite of features including workflow, document management, time and billing, payments, a CRM with a secure client portal.

Read more about Canopy

Users also considered
Zoho Books logo

Zoho Books

Category Leaders

Online accounting software for businesses of all sizes

visit website
Zoho Books helps small businesses to manage all financial activity, from invoices and expenses, to sales and purchase orders, to taxes, reports, and bank feeds.

Read more about Zoho Books

Users also considered
NetSuite logo

NetSuite

AI-powered cloud-based business management suite

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NetSuite AI-powered accounting simplifies the process of recording transactions, managing AP and AR, and closing the books. NetSuite supports multiple currencies, languages, and compliance standards and ensures data is accessible securely worldwide.

Read more about NetSuite

Users also considered
CosmoLex logo

CosmoLex

Web-based legal practice management & accounting software

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CosmoLex handles the unique, legal accounting requirements lawyers face daily. Anytime/anywhere web access makes it easy to keep your books compliant & current.

Read more about CosmoLex

Users also considered
MIP Accounting logo

MIP Accounting

Fund accounting for government organizations and nonprofits

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MIP Fund Accounting is a comprehensive, configurable fund accounting solution. With its end-to-end suite of functionality and multi-segmented chart of accounts MIP is designed to meet and handle the complex financial management and fund accounting needs of nonprofit and government organizations.

Read more about MIP Accounting

Users also considered
FreshBooks logo

FreshBooks

Category Leaders

Invoice and accounting software tailored to small businesses

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FreshBooks automates daily accounting activities namely invoice creation, payment acceptance, expenses tracking, billable time tracking and financial reporting.

Read more about FreshBooks

Users also considered
ZarMoney logo

ZarMoney

Category Leaders

Cloud-based accounting solution for businesses of all sizes

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ZarMoney is a cloud-based accounting solution designed to assist businesses of all sizes with the management of inventory and finances. Key features include team collaboration, quote generation, invoicing, transaction tracking, remote access, and approval workflows.

Read more about ZarMoney

Users also considered
Actionstep Legal Accounting logo

Actionstep Legal Accounting

Cloud-based accounting and billing for law firms

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Soluno is a cloud-based accounting and billing software designed to accelerate law firms. With a full, easy-to-use suite of time/expense entry, billing, accounting, trust, and reporting features, law firms get everything they need to master their business.

Read more about Actionstep Legal Accounting

Users also considered
Eleven logo

Eleven

Cloud accounting software tailored for accounting firms

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Eleven is a cloud accounting app that helps small and medium-sized accounting firms to streamline and scale their practice. You can automate bookkeeping for every client without falling back on Excel.

Read more about Eleven

Users also considered
DataSnipper logo

DataSnipper

Intelligent automation platform for financial control

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DataSnipper is a cloud-based intelligent automation platform designed for audit and finance teams that helps streamline workflows and offers features such as data collection, extraction, matching, and analysis.

Read more about DataSnipper

Users also considered
Order.co logo

Order.co

Simplify every aspect of buying for your business

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Order.co simplifies buying for businesses. Eliminate manual purchasing & payment tasks to create one place to purchase, approve, and pay for the products your business needs.

Read more about Order.co

Users also considered
PROCAS Accounting logo

PROCAS Accounting

Project accounting for government contractors

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PROCAS is a project accounting, web timekeeping & expense reporting solution supporting DCAA compliance for government contractors.

Read more about PROCAS Accounting

Users also considered
Plus & Minus logo

Plus & Minus

Accounting and ERP accounting in real-time

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Real-time accounting and ERP accounting software in the cloud or on-premises offering automated processes and transaction recording, reporting, and analysis

Read more about Plus & Minus

Users also considered
Avalara logo

Avalara

Automated tax compliance for global businesses

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Avalara offers automated tax compliance software that simplifies sales tax reporting and filing for businesses of all sizes. Its agentic AI handles tax calculations, returns preparation, and exemption certificate management across jurisdictions.

Read more about Avalara

Users also considered
Acumatica Cloud ERP logo

Acumatica Cloud ERP

Cloud-based enterprise resource planning software

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Acumatica simplifies accounting with tools for Accounts Payable, Receivable, Billing & Invoicing, and Bank Reconciliation. It streamlines Expense Tracking, Payroll Management, and Financial Reporting, while managing your General Ledger and Income & Balance Sheet effortlessly.

Read more about Acumatica Cloud ERP

Users also considered
TaxDome logo

Tax practice management software for bookkeepers and CPAs

TaxDome is a leading practice management platform for tax, bookkeeping and accounting firms, as well as CPAs and EAs. TaxDome allows firms of all sizes to streamline and maintain oversight of their practice by using one platform for both internal practice management and client-facing tools.

Read more about TaxDome

Users also considered
QuickBooks Online logo

Accounting and business management software

QuickBooks Online offers accounting with financial dashboards, invoice creation, online payment acceptance, expenses tracking, payroll & more.

Read more about QuickBooks Online

Users also considered
QuickBooks Desktop logo

Comprehensive business management solution

QuickBooks Desktop provides a comprehensive business management solution that integrates accounting, payroll, inventory, and multiple company management functionalities. The software offers industry-specific editions tailored for manufacturing, wholesale, contractors, and accountants, with features like advanced reporting, job costing, and automated pricing rules. Users can enhance their experience with cloud hosting capabilities that enable remote access and team collaboration.

Read more about QuickBooks Desktop

Users also considered
SAP Concur logo

Travel, expense and invoice, automated and in control

SAP Concur is a leading cloud-based spend management solution that helps small, medium, and large businesses automate and simplify expense reporting, travel booking, and invoice processing. It’s designed to give organizations better control over their business spend by integrating near real-time data and using AI to audit 100% of transactions.

Read more about SAP Concur

Users also considered
Wave logo
Category Leaders

Accounting, invoicing, and payroll management platform

Why is Wave the world's fastest-growing accounting software for small businesses? It's easy, fast, 100% free, and made for owner-operated businesses.

Read more about Wave

Users also considered
Abby logo

Billing and invoicing platform

Abby helps businesses ensure that customer documents are legal and comply with the rules. Customers can pay online and receive reminders for late payments.

Read more about Abby

Users also considered

Key features for Accounting software

Based on GetApp's analysis of verified user reviews collected between July 2021 and August 2024.

  • Income & Balance Sheet: Users value the detailed financial insights provided, enabling better financial management, decision-making, and real-time visibility of assets, liabilities, and equity. 96% of reviewers rated this feature as important or highly important.
  • Financial Reporting: Reviewers appreciate the customizable, comprehensive financial reports that offer real-time insights and support informed decision-making and efficient financial management. 94% of reviewers rated this feature as important or highly important.
  • General Ledger: Users highlight the accurate tracking of financial transactions, ease of customization, and integrated reporting capabilities for effective financial management and decision-making. 92% of reviewers rated this feature as important or highly important.
  • Billing & Invoicing: Reviewers emphasize the automation, customization, and integration features, which streamline billing processes and improve cash flow management. 91% of reviewers rated this feature as important or highly important.
  • Expense Tracking: Reviewers appreciate the detailed expense categorization, receipt attachment, and automated tracking features that simplify budgeting and financial management. 90% of reviewers rated this feature as important or highly important.