Upload your bank statement — Norma 43, CSV or Excel, the file any Spanish bank exports — and Cofactu automatically matches every movement with your invoices. On confirmation, the accounting entry in 572 is generated with no manual work.
Upload the file your bank already exports and Cofactu cross-references every movement with your invoices by amount, date and reference — and learns from each confirmation. Goodbye to the bank statement spreadsheet.
plus CSV, TXT and Excel — the statement formats every Spanish bank exports, no column mapping
bank credentials involved: you download the statement, Cofactu never touches your bank
the bank entry is generated automatically when each match is confirmed, with the correct offsetting account
Reconciliation doesn't depend on your bank being integrated: it works off the file any Spanish entity already exports. Cofactu detects the format on its own and never asks you to map columns — and no banking credentials are involved.
Cofactu cross-references every movement with your invoices by amount, date and reference. When the match is high-confidence, it matches the movement and generates the 572 entry without you touching anything. When there's doubt — for example, two invoices with the same amount — it leaves it a click away instead of guessing.
TRANSF ESTUDIO NORTE SL
F-2026-0142
Matches and posts on its own
BIZUM J. RUIZ
F-2026-0140
Matches and posts on its own
SEPA DIRECT DEBIT · CAFÉ S.L.
2 possible invoices
Asks for one click to confirm
Manual matching always available: drag any movement onto its invoice, expense or manual entry and the outstanding balance updates instantly.
From importing the statement to detecting missing receipts. Eight capabilities in a single panel.
Download the statement from your bank's website and upload it. Cofactu detects the format on its own — Norma 43 (the cuaderno 43 standard every Spanish bank exports), CSV, TXT or Excel — and never asks you to map columns.
Every match you confirm teaches Cofactu who's who. Next time that same payer or description shows up, the movement lands straight in the automatic zone instead of asking for a click.
Cofactu automatically cross-references bank movements with your issued and received invoices by amount, date and reference. Most payments and receipts match on their own.
When you confirm the match between a movement and an invoice, Cofactu generates the accounting entry in 572 (Bank) with the correct offsetting account based on the type of operation.
Beyond auto-match, you can manually match any movement with invoices, expenses or manual journal entries. Each invoice's outstanding balance updates instantly.
If there's a bank charge without an associated expense invoice, Cofactu detects it and generates a request for the missing document. For accounting firms, this avoids mismatches from forgotten receipts.
Cofactu spots charges that repeat — fees, subscriptions, rent — and lets you categorise in one go the movements that will never have an invoice, so they stop showing up as pending.
Each match states why it was made: which signal lined up (amount, date, tax ID or name in the description) and with how much confidence. If something's off, you undo it and Cofactu learns from the rejection.
More on Cofactu
The statement you upload doesn't stay in the reconciliation panel: it generates entries, matches invoices and squares your operations without rewriting anything.
FAQ
The essentials on how Cofactu connects your bank and matches your receipts.
No — and today it doesn't even connect to your bank: you download the statement from your bank's website and upload it to Cofactu. No banking credentials are involved at any point.
All of them. Reconciliation doesn't depend on an integration with your bank: it works off the file any Spanish entity exports — Norma 43 (cuaderno 43), CSV, TXT or Excel. Santander, BBVA, CaixaBank, Sabadell, Bankinter, ING, Openbank, Kutxabank, Unicaja, Abanca, credit cooperatives and foreign banks included.
Not yet. The automatic PSD2 connection — which pulls movements with nothing for you to upload — is in development, and we don't sell it as if it were available. What does work today, and does the heavy lifting, is auto-match: once the statement is uploaded, Cofactu matches movements to your invoices and generates the accounting entries.
They're generated automatically when you confirm the match between a bank movement and an invoice. Cofactu determines the correct offsetting account (430 Customers, 400 Suppliers, 410 Creditors...) based on the type of operation. You only need to intervene if auto-match isn't available or if you want to assign the movement to a manual entry.
Upload the statement once and Cofactu takes care of the rest: auto-match against your invoices and accounting entries on the spot.
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