Credit card reconciliation that's done before month-end
Credit card reconciliation is matching every card transaction to its receipt and your accounting records before you pay. Budgetly does it as each purchase happens, with GST extracted and the category coded, so there's nothing to reconcile at month-end.
Sophie WilliamsAustralia's favourite.
99% of businesses stick with Budgetly.
Replace the month-end card reconciliation scramble.
Reconciling a company credit card means matching every line on the statement to a receipt and a reason, weeks after the money left. Finance teams tell us it takes a full day, sometimes three, every month. The work is manual because the card gives you a statement, not context.
The old way
- Receipts collected and sorted by hand, chased from staff who've forgotten the purchase
- Each statement line matched to a transaction one at a time in a spreadsheet
- GST worked out manually from receipts that may or may not exist
- Mystery charges on a shared card nobody will claim
- Errors and duplicates found too late, after the statement is paid
- Month-end close stalls because none of it is ready when the books need closing
With Budgetly
- Every transaction matched to its receipt at the moment of purchase
- GST extracted and the category coded automatically, 95%+ accuracy
- Each card tied to one person, so every charge has an owner
- Real-time view of what's been spent, before the statement arrives
- Transactions arrive in Xero already coded and reconciled
- Month-end close drops from days to hours
- APRA-regulated
- Data stays in Australia
- 2FA + SSL encryption
- AWS Sydney ISO 27001 infrastructure
- Live status
How Budgetly automates card reconciliation
Receipts matched to transactions as the purchase happens.
The old process reconstructs reality weeks later. Budgetly captures it at the register. The cardholder photographs the receipt in the app, Budgetly reads it, extracts the GST, assigns the category from your Chart of Accounts, and matches it to the transaction. The reconciliation is done before the statement period even ends.
- Receipt captured in the app at the point of spend
- GST read from the receipt and applied correctly
- Category assigned from your Chart of Accounts, 95%+ accuracy
- Receipt checks flag a missing or mismatched receipt automatically
- Every correction teaches the coding engine
Marcus Webb · Site Foreman
Bunnings WarehouseEvery charge has a name against it, so there's nothing to chase.
Shared company cards are why reconciliation turns into detective work. Budgetly issues every employee their own Visa debit card with its own limit. Each transaction already carries the cardholder, the budget, and the receipt, so you’re never emailing the office asking who spent $240 at Bunnings.
- Individual Visa debit card per employee, issued in 30 seconds
- Per-card limits so spend can't run past budget
- Cardholder attached to every transaction
- No shared-card mystery charges to untangle
- Freeze or close a card from the dashboard
Officeworks
$184.50
Transactions arrive in Xero already reconciled.
By the time your bookkeeper opens Xero, the work is done. A bank feed sends Xero an amount and ‘VISA PURCHASE’. Budgetly sends the merchant as a Contact, the category mapped to your Chart of Accounts, the GST, the receipt as a file, and the cardholder, all coded before the sync page loads. Review and press sync, or turn on auto-reconcile and let it run. It’s the deepest Xero integration of any Australian card, rated 4.9/5 by 96 verified users on the Xero App Store.
- Two-way Xero sync, 4.9/5 on the Xero App Store (96 reviews)
- Merchant mapped as a Xero Contact, not a raw descriptor
- One-click review, or fully automated reconciliation
- Bulk-code and sync up to 100 transactions at once
- On MYOB or QuickBooks? Export coded transactions as a ready-to-import file
Bunnings Warehouse
$247.80
Marcus Webb · Site ForemanThe four steps of card reconciliation, done as you spend.
By hand, reconciling a company card is four steps repeated for every line on the statement. Budgetly runs all four the moment a purchase happens, so the statement period ends with nothing left to reconcile.
- Match: every transaction paired with its receipt at purchase
- Verify: amount, GST and legitimacy checked automatically
- Code: assigned to the right Chart of Accounts category
- Sync: pushed to Xero two-way, already reconciled
Marcus Webb · Site Foreman Bunnings WarehouseReconciliation built for Australian tax, not bolted on.
Most card reconciliation tools are built for the US and adapted for Australia. Budgetly is built here, so the data comes out the way the ATO and your BAS expect it, not reworked at quarter-end.
- GST extracted on every transaction, coded for BAS
- Receipts captured and retained to meet ATO substantiation rules
- Spend in AUD, with Australian-based support
- Built around how Australian finance teams close the books
Officeworks
$184.50
Manual card reconciliation vs Budgetly
The same month-end task, two very different amounts of work. Use the calculator below to work out what manual reconciliation is costing your team.
| Manual reconciliation | Budgetly | |
|---|---|---|
| Receipts | Chased from staff weeks later | Captured in the app at purchase |
| Matching | Line by line in a spreadsheet | Automatic, at the moment of spend |
| GST | Worked out by hand per receipt | Extracted and applied automatically |
| Who spent it | Guesswork on a shared card | Named cardholder on every charge |
| Accounting sync | Re-keyed into Xero by hand | Two-way Xero sync, arrives already coded |
| GST for BAS | Reworked at BAS time from paper | Extracted per transaction, ready for BAS |
| Time to close | One to three days a month | Hours, because it's done as you go |
What is manual card reconciliation costing you?
Estimate the hours your team spends matching card transactions to receipts each month, and what automating it would save. Based on how Budgetly customers reconcile today versus before switching.
Budgetly captures the receipt at purchase, extracts the GST, codes the transaction, and syncs it to Xero already reconciled, so there's nothing left to reconcile at month-end.
Book a demo →The 75% reduction is based on Budgetly customer results. Minutes per transaction is the biggest variable, so use your own figure.
What changes when reconciliation happens as you spend
No receipt hunting. No spreadsheet matching. No month-end reconciliation queue.
Credit card, bank and account reconciliation: which you actually need
These three get used interchangeably, but they're different jobs. Budgetly automates one of them, and we'd rather tell you that plainly than pretend to be a tool we're not.
Credit card reconciliation
Matching card transactions to receipts and the right account before payment. This is the job Budgetly does for you, as each purchase happens, so missing receipts, mystery charges and shared-card confusion disappear.
Bank reconciliation
Matching your bank feed to your general ledger. That happens in Xero itself, not Budgetly, but Budgetly makes it far faster by sending Xero transactions that are already coded and receipted.
Account reconciliation
The broader month-end check across every ledger account. If that's what you need, you want a general-ledger reconciliation tool. Budgetly feeds it clean card data; it doesn't replace it.
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Frequently asked questions
What is credit card reconciliation?
Is a credit card reconciled monthly?
What are the types of reconciliation?
How do you automate credit card reconciliation?
Does Budgetly work with Xero and MYOB for reconciliation?
How is this different from reconciling a shared company card?
Customer stories
SOMAI Pharmaceuticals saved 8 hours in reconciling every month with Budgetly!
Somai Pharmaceuticals saves eight hours in reconciliation every month with Budgetly. Automated matching replaced manual …
Connecting Families save over $21,000 by switching to Budgetly
'Wonderful experience with Help and Support - the focus is very much on the customer!' Stanley Tang, Finance Manager at …
Bawinanga Aboriginal Corporation save 38 hours per week with Budgetly
'We ultimately decided on Budgetly because with Budgetly we can issue virtual and physical cards.'
Stop reconciling the card at month-end. Let it reconcile as you spend.
See how Budgetly matches every transaction to its receipt, extracts the GST, and syncs it to Xero already coded.