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Top Rated Accounts Receivable 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 accurate matching of financial records with bank statements. It automates transaction tracking, minimizes errors, and keeps accounts up-to-date, facilitating efficient financial management and clear cash flow visibility. Our reviewers in accounts receivable software rated this feature as highly important.

9 Best Accounts Receivable Software with Bank Reconciliation

Product
User rating
Starting price
NetSuite logo
4.2
(1.7K)
Empty state illustration for "No pricing info"

No pricing info

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QuickBooks Enterprise logo
4.5
(20.5K)
2210
flat rate/per year
visit website
Xero logo
4.4
(3.2K)
25
flat rate/per month
visit website
FreshBooks logo
4.5
(4.5K)
21
flat rate/per month
visit website
Sage Intacct logo
4.3
(591)
Empty state illustration for "No pricing info"

No pricing info

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Sage 50cloud Accounting logo
3.9
(414)
124.42
flat rate/per month
Wave logo
4.4
(1.7K)
19
flat rate/per month
QuickBooks Desktop logo
4.4
(2.5K)
1922
flat rate/per year
QuickBooks Online logo
4.3
(8.3K)
38
flat rate/per month

See other top Accounts Receivable products with bank reconciliation

How we picked the 9 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 Accounts Receivable 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 9 best products

NetSuite logo

NetSuite

Reviews Sentiment
 
 
 
1-2(92)
3-4(906)
5(793)
Key Features
Accounting4.4
General Ledger4.5

User insights about the bank reconciliation feature

Users report that NetSuite's bank reconciliation simplifies and automates the process, reducing manual data entry and errors. They appreciate the integration with bank feeds and other financial applications, which enhances efficiency. Some users mention the need for third-party tools and improvements in functionality, but overall, they find the feature helpful for maintaining accurate financial records.

See related user reviews

“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

“NetSuite offers multiple reconciliation options including a daily import of activity from our bank.”
GB

Gailyn B.

Director of Accounting Systems

Starting price
Empty state illustration for "No pricing info"

No pricing info

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Pros and Cons based on 1,791 verified reviews

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
QuickBooks Enterprise logo

QuickBooks Enterprise

Reviews Sentiment
 
 
 
1-2(352)
3-4(7,707)
5(12,534)
Key Features
Accounting4.6
General Ledger4.5

User insights about the bank reconciliation feature

Reviewers appreciate QuickBooks Enterprise's bank reconciliation for its simplicity, accuracy, and integration with bank accounts. They find it helps maintain financial accuracy, detect errors, and save time. Users mention occasional difficulties with bank connections and the need for manual adjustments, but overall, they value the feature's efficiency and user-friendly interface.

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“"Bank Reconciliation" is a great way to keep track of all of your transactions and ensure that your bank account and QuickBooks account balance match up. This feature also makes it easy to find any discrepancies so that you can investigate and correct them.”
BT

Brahim T.

Freelancer

“It makes keeping track of every individual payment/deposit very fluid. However, it has started having trouble linking to my bank lately. It saves a great amount of time when it links and automatically downloads all my transactions for me. I love when this feature works fluidly.”
AC

Amanda C.

Treasurer

Starting price
2210flat rate /
per year
visit website
Pros and Cons based on 20,593 verified reviews

Comprehensive expense tracking

Ideal for small businesses

Effective financial management

Streamlined bookkeeping

Efficient tax management

Frequent issue resolution challenges

Slow performance speed

Disruptive software updates

High cost concerns

Unreliable customer service

See pros and cons details
Xero logo

Xero

Reviews Sentiment
 
 
 
1-2(157)
3-4(1,150)
5(1,943)
Key Features
Accounting4.6
General Ledger4.4

User insights about the bank reconciliation feature

Users report that Xero's bank reconciliation is straightforward and efficient, with automatic transaction matching and AI-driven suggestions. They value the integration with bank feeds for real-time updates and the ease of identifying discrepancies. Some mention issues with bank feed connections and slow support, but overall, they find the process fast, accurate, and user-friendly.
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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
FreshBooks logo

FreshBooks

Reviews Sentiment
 
 
 
1-2(82)
3-4(1,765)
5(2,655)
Key Features
Accounting4.5
General Ledger4.5

User insights about the bank reconciliation feature

Reviewers find FreshBooks' bank reconciliation easy to use, accurate, and time-saving. They appreciate the intuitive interface, automatic transaction matching, and integration with multiple bank accounts. Users value the error detection and real-time updates, though some mention occasional connection issues and the need for manual adjustments. Overall, they find it efficient and user-friendly.

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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 4,502 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

See pros and cons details
Sage Intacct logo

Sage Intacct

Reviews Sentiment
 
 
 
1-2(22)
3-4(299)
5(270)
Key Features
Accounting4.7
General Ledger4.5

User insights about the bank reconciliation feature

Reviewers indicate Sage Intacct's bank reconciliation is functional and easy to use, with good automation and the ability to upload bank statements. They appreciate the time-saving capabilities and the ability to detect discrepancies. Some users find the initial setup challenging and suggest improvements, but overall, they value the feature's efficiency and integration with other financial processes.
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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.”
Verified reviewer profile picture

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
Empty state illustration for "No pricing info"

No pricing info

visit website
Pros and Cons based on 591 verified reviews
Verified reviewer profile picture
Verified reviewer profile picture

Cloud-based flexibility

Comprehensive dashboard features

Scalable for business growth

Challenges in issue resolution

High costs and complex pricing

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Sage 50cloud Accounting logo
Reviews Sentiment
 
 
 
1-2(53)
3-4(209)
5(152)
Key Features
Accounting4.5
General Ledger4.3

User insights about the bank reconciliation feature

Reviewers indicate Sage 50cloud Accounting's bank reconciliation is user-friendly and efficient, helping maintain accurate financial records. They appreciate the ability to import transactions from banks and credit cards, and the clear, easy-to-use interface. Some users find the initial setup confusing and suggest more streamlined options, but overall, they value the time-saving automation and reliability.
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“The ability to reconcile any G/L Account, plus with Bank Feeds, transactions can be imported from your bank or credit card company.”
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Tammi E.

Owner/Senior Software Analyst

“The bank reconciliation on Sage is very easy to use, the transactions can be imported directly into the required bank once set up, making the reconciliation process more efficient. It is important for any business to ensure the reconciliation process is carried out regularly and using Sage is very efficient.”
IM

Ishrat M.

Accountant

Starting price
124.42flat rate /
per month
Pros and Cons based on 414 verified reviews
Verified reviewer profile picture

Easy to learn and use

Comprehensive accounting functionality

Ideal for small businesses

Inefficient call support

High costs and frequent increases

Poor customer service

Limited reporting capabilities

See pros and cons details
Wave logo
Reviews Sentiment
 
 
 
1-2(108)
3-4(553)
5(1,049)
Key Features
Accounting4.5
General Ledger4.2

User insights about the bank reconciliation feature

Users appreciate Wave's bank reconciliation for its simplicity, accuracy, and ease of use. They value the ability to sync bank statements and the automated matching of transactions. Some mention connection issues and limited support, but overall, they find the process efficient and helpful for maintaining accurate financial records.
Verified reviewer profile picture
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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. ”
Verified reviewer profile picture

Dedre M.

CEO

“With Bank Reconciliation feature in Wave Accounting I can make daily bank reconciliation.”
Verified reviewer profile picture

Rami H.

Internal Auditor

Starting price
19flat rate /
per month
Pros and Cons based on 1,710 verified reviews
Verified reviewer profile picture
Verified reviewer profile picture

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 Desktop logo
Reviews Sentiment
 
 
 
1-2(86)
3-4(1,034)
5(1,414)
Key Features
Accounting5.0
General Ledger4.6

User insights about the bank reconciliation feature

Reviewers appreciate QuickBooks Desktop's bank reconciliation for its accuracy, ease of use, and time-saving capabilities. They find it simplifies matching transactions, detecting errors, and ensuring compliance. Users value the integration with bank accounts for seamless data import and the ability to generate detailed reports. Some mention occasional glitches and the need for improvements in supporting Mexican laws.
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“Bank reconciliation gives straightforward and user-friendly interface. Using quickbooks desktop pro, it ensures users the accuracy of the business' financial records and identify any discrepancy. Also help users to make more informed decisions.”
DP

Darlene P.

Senior Accountant

“QuickBooks Desktop Pro's bank reconciliation feature has had a significant impact on our IT company. It has improved the accuracy of our financial records, saved us time, detected errors or fraud, enhanced cash flow management, provided documentation for audits, ensured compliance, and facilitated better financial analysis and decision-making”
Verified reviewer profile picture

Dawit L.

Systems Administrator/Web Developer

Starting price
1922flat rate /
per year
Pros and Cons based on 2,534 verified reviews
Verified reviewer profile picture

Comprehensive expense tracking

Ideal for small businesses

Efficient bookkeeping

Accessible learning resources

Robust accounting software

Frequent and costly upgrades

Inefficient phone support

Challenging file management

Inadequate support

High costs and fees

See pros and cons details
QuickBooks Online logo
Reviews Sentiment
 
 
 
1-2(454)
3-4(3,126)
5(4,748)
Key Features
Accounting4.5
General Ledger4.4

User insights about the bank reconciliation feature

Users highlight QuickBooks Online's bank reconciliation for its ease of use, automation, and integration with bank accounts. They appreciate the ability to quickly match transactions and generate reconciliation reports. Some users experience connection issues and find the process occasionally clunky, but overall, they value the time-saving capabilities and accuracy.
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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.”
Verified reviewer profile picture

Elisabetta B.

Ecommerce Manager

Starting price
38flat rate /
per month
Pros and Cons based on 8,328 verified reviews
Verified reviewer profile picture

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 Accounts Receivable Software with Bank Reconciliation in 2026

Gaviti logo

Gaviti

Category Leaders

A/R automation with zero-fee ACH & seamless customer payment

visit website
Gaviti is a B2B Autonomous Invoice to Cash solution that uses automation technology and AI to automate repetitive and make everything else controllable and predictable. Gaviti provides A/R teams with solutions for credit management, collections management, dispute management, and cash application.

Read more about Gaviti

Users also considered
NetSuite logo

NetSuite

AI-powered cloud-based business management suite

visit website
Automate invoice delivery, payment processing, and collections management with NetSuite’s AI-powered cloud accounting software. Automatically post order transactions to general and AR ledgers, with accurate tax calculations on each invoice, for rapid, precise tax processing and billing.

Read more about NetSuite

Users also considered
Accounting Seed logo

Accounting Seed

Category Leaders

Accounting and analytics software built on Salesforce

visit website
Billing Automation Hassle Free. You can jump right from an opportunity to deliver an invoice, kick off a project, or establish a recurring billing plan. Subscription billing or recurring billing are both easy to manage. Visit: https://www.accountingseed.com/the-product/billing-customers

Read more about Accounting Seed

Users also considered
Melio logo

Melio

Accounts payable platform for businesses of all sizes

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Melio simplifies AP/AR for businesses of all sizes, enabling you to pay vendors both domestically and internationally via bank transfer or card—even if cards aren’t accepted. Easily sync with QuickBooks and Xero, automate scheduling, and configure approval workflows.

Read more about Melio

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
DataSnipper logo

DataSnipper

Intelligent automation platform for financial control

visit website
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
Paystand logo

Paystand

Category Leaders

B2B payment automation platform for finance teams

visit website
Your Accounts Receivables with zero fees and end-to-end automation. Reduce time-to-cash and transaction costs significantly, while offering multiple payment options including eCheck, ACH, and credit cards in a single portal.

Read more about Paystand

Users also considered
Plus & Minus logo

Plus & Minus

Accounting and ERP accounting in real-time

visit website
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
ZarMoney logo

ZarMoney

Category Leaders

Cloud-based accounting solution for businesses of all sizes

visit website
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
Eleven logo

Eleven

Cloud accounting software tailored for accounting firms

visit website
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
QuickBooks Online logo

Accounting and business management software

QuickBooks Online automatically updates the Accounts Receivable accounts in your chart of accounts as soon as you write an invoice or receive a payment from a client.

Read more about QuickBooks Online

Users also considered
FreshBooks logo
Category Leaders

Invoice and accounting software tailored to small businesses

FreshBooks helps you collect payments from your customers by creating, sending and tracking invoices, sending payment reminders and accepting card payments.

Read more about FreshBooks

Users also considered
Xero logo
Category Leaders

Cloud-based accounting software for small businesses

Use Xero to send custom invoices, track invoices, set up recurring invoices, add instant online payment links in invoices for payment via PayPal or credit card.

Read more about Xero

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
Wave logo
Category Leaders

Accounting, invoicing, and payroll management platform

With Wave's comprehensive, free and unlimited invoicing tools, you can send invoices, keep track of who owes what, send reminders and more.

Read more about Wave

Users also considered
QuickBooks Online Advanced logo

Accounting & business management for small businesses

Streamline accounts receivable with automated invoicing, payment tracking, and real-time reporting for optimized cash flow management.

Read more about QuickBooks Online Advanced

Users also considered
BQE CORE Suite logo
Category Leaders

Cloud-based firm management tool for A&E firms.

BQE CORE is a cloud-based software designed specifically for architecture and engineering firms. The platform integrates accounting, invoicing, project management, and resource planning features that streamline operations across entire organizations. BQE CORE enables firms to track time and expenses, manage projects profitably, and access real-time financial data through a centralized system that eliminates the need for multiple software solutions.

Read more about BQE CORE Suite

Users also considered
Patriot Accounting logo
Category Leaders

Cloud-based accounting and payroll software

Patriot Accounting is an online accounting solution that allows businesses to track and manage transactions, import bank transactions, reconcile accounts, send estimates & invoices & more.

Read more about Patriot Accounting

Users also considered
Zoho Books logo
Category Leaders

Online accounting software for businesses of all sizes

Zoho Books is an online accounting software designed to streamline back office operations, automate workflows, and allow secure collaboration with accountants

Read more about Zoho Books

Users also considered
Holded logo
Category Leaders

ERP, Accounting, Invoicing & more for freelancers and SMBs.

It's a cloud-based invoicing software for freelancers, SMBs and accountant offices to control all aspects of their business and optimise their management.

Read more about Holded

Users also considered
Synder logo

Reconcile multichannel sales & recognize revenue with ease.

Synder helps SME and MidSize up sync, record and recognize online sales and subscriptions in QuickBooks, Sage Intacct or Xero. The platform ensures accurate reconciliation across multiple platforms and offers easy invoicing, transaction categorization and instant data analytics.

Read more about Synder

Users also considered
Sage Intacct logo

Best-in-class Cloud ERP for Finance

Sage Intacct accounts receivable helps companies increase cash flow by automating invoicing, collection processes and reporting.

Read more about Sage Intacct

Users also considered
Spendesk logo

Smart, trackable spending at work. From Approvals to Zen.

Spendesk is the smart way to manage your business spending. Flexible payments, approvals, expenses, invoices and accounting — all together for the first time.

Read more about Spendesk

Users also considered
BILL Accounts Payable & Receivable logo

BILL, a leader in financial automation software for SMBs

Get paid up to 3X faster with Bill.com's magically simple accounts receivable solution. Bill.com sends automated invoices and reminders to your customers.

Read more about BILL Accounts Payable & Receivable

Users also considered
SAP S/4HANA Cloud logo

A complete, intelligent ERP system for enterprises.

SAP S/4HANA Cloud is a cloud-based intelligent ERP system specifically developed for companies in all industries offering them a broad and flexible functionality.

Read more about SAP S/4HANA Cloud

Users also considered

Key features for Accounts Receivable software

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

  • Accounting: Reviewers appreciate the robust accounting features for precise tracking, streamlined processes, and comprehensive financial management, including customizable reports and automation of data entry. 97% of reviewers rated this feature as important or highly important.
  • General Ledger: Users value the intuitive general ledger for tracking financial transactions, making adjustments, and generating financial statements, with the ability to customize and manage multiple accounts. 94% of reviewers rated this feature as important or highly important.
  • Invoice Processing: Reviewers highlight the ease of generating, sending, and tracking invoices, with features like customizable templates, automated reminders, and real-time visibility into accounts receivable and payable. 94% of reviewers rated this feature as important or highly important.
  • Billing & Invoicing: Users find the billing and invoicing features efficient for creating and managing invoices, sending reminders, and customizing templates, which helps streamline cash flow and financial management. 94% of reviewers rated this feature as important or highly important.
  • Expense Tracking: Users value the ability to categorize and track expenses, attach receipts, and generate detailed reports, which helps in managing costs, budgeting, and ensuring accurate financial records. 91% of reviewers rated this feature as important or highly important.