To manage cash inflows and outflows of a small business. The file can also complement the main accounting file: all cash transactions are recorded separately, and at the end of each quarter (or any chosen period), the totals of categories and accounts are imported into the main accounting file.

Entering VAT codes allows VAT amounts to be automatically recorded in the VAT account.

Create your file

• Open the template with the Banana Accounting Plus WebApp
• Using the command File > File Properties, set the period, your company name, and the base currency (you can create budgets and accounting in any currency).
• Using the command File > Save As, save the file. It is helpful to include the company name and year in the filename. For example, "Cash_Rossi-SA-20xx.ac2".

WARNING: If you close the browser without saving, you will lose the entered data. Always save the file on your computer.

To reopen the saved file, click on File > Open.

Also, see Organizing accounting files locally, on a network, and in the cloud.

More information is available on the following pages:

• Cash Manager
• Transactions
• Budget
• Printouts

This template, while having a simple and essential setup, still allows you to manage accounting professionally. 

• You can customize accounts and categories at any time, adapting them to your specific needs.
• The Accounts and Categories tables provide an immediate overview of the balances for each account and category, allowing you to maintain full control of your financial situation.
• By setting up the customer ledger, you have the possibility to issue invoices to your customers with the added advantage of having them automatically recorded in accounting.
• The VAT Codes table is updated with the new 2024 VAT rates.
• To speed up the entry of transactions, you can use bank data import with Rules: for each imported transaction, you enter a text (Rule) completing all other registration elements (contra account, VAT code, cost center...); in subsequent imports, the program automatically completes the registration whenever it finds the key text in the import entry, significantly reducing work time and minimizing errors.
• If you need to create invoices, simply set up the CC3 profit center  in the Accounts table.

Some features require a subscription to the Advanced plan of Banana Accounting Plus, such as generating the facsimile or XML file of the VAT Report, using the new Rules, Filter, and Temporary Sort functions. See all the features of the Advanced plan.

Create your file

• Open the template with the Banana Accounting Plus WebApp
• Using the command File > File Properties, set the period, your company name, and the base currency (you can create budgets and bookkeeping in any currency).
• Using the command File > Save As, save the file. It is useful to include the company name and year in the filename. For example, "Cash_Rossi-SA-20xx.ac2".

WARNING: If you close the browser without saving, you will lose the entered data. Always save the file on your computer.

To reopen the saved file, click on File > Open.

Also, see Organizing accounting files locally, on a network, and in the cloud.

More information is available on the following pages:

• Video tutorial
• Cash Manager
• Transactions
• Budget
• Printouts

The tutorial is based on an Income and Expense accounting system, which is very intuitive and easy to manage. You can use the tutorial to explore many features:

• Create and print invoices for your clients
• Check due dates
• Send reminders
• Manage VAT with the new rates from 2024
• Speed up transaction entry with automatic import and the use of Rules
• Print reports, account statements, journal, and other summaries

Some functions require a subscription to the Advanced plan of Banana Accounting Plus, such as generating a facsimile or XML file of the VAT Report, using new features like Rules, Temporary Row Filtering, and Sorting. See all features of the Advanced plan.

Create your file

• Open the template with the Banana Accounting WebApp  
• Using the File > File Properties command, set the period, your company name, and the base currency (you can create a budget and manage accounting in any currency you prefer).
• With the File > Save As command, save the file. It is useful to include your studio name and the year in the file name. For example, "Studio-Rossi-SA-20xx.ac2".

WARNING: If you close the browser without saving, you will lose the entered data. Always save the file on your computer.

In our Documentation, you will find explanations on various topics to help you manage your accounting effectively:

• Videos
• Income/Expense
• Accounts
• Categories
• Transactions
• Swiss VAT Management
• Invoicing
• New Year
• Budget Transactions
• Printing

Efficient and customizable accounting management for SMEs
Our accounting template is pre-configured according to the standard framework of the Swiss Code of Obligations, specifically designed to meet the needs of small and medium-sized enterprises (SMEs) with an annual turnover equal to or greater than CHF 500,000.

Flexibility and customization
If you need to customize the chart of accounts, you can easily add new accounts. See our dedicated page on the Complete SME Chart of Accounts, which includes all the accounts and groups specified by the Swiss SME account system (Sterchi, Mattle, Helbing), ensuring perfect integration.

Simplicity and automation
Data entry is fast and intuitive, with an interface similar to Excel. You can import data directly from your bank statements or credit cards, and thanks to the use of Rules, the process becomes fully automated, drastically reducing manual work.

All-round accounting management
Record transactions quickly and automatically, keep balances always updated, and generate professional real-time reports. With our system, you can:

• Create and post invoices simultaneously
• Send reminders easily
• Make cash flow forecasts and manage budgets
• Generate Balance Sheet, Profit and Loss Statement, Account Cards and Journal
• With the VAT extension, send VAT report data online to the FTA (only with Advanced plan).

Some features require a subscription to the Banana Accounting Plus Advanced plan, such as generating the sample or XML file for the VAT report, using the new Rules functions, Filter, and temporary Sort Rows. See all the features of the Advanced plan.

Create your file

• Open the template with Banana Accounting Plus WebApp
• With the File > File Properties command, set the period, your company name, and the base currency (you can do budgeting and accounting in any currency).
• With the File > Save As command, save the file. It is useful to include the company name and year in the file name. For example, "Rossi-SA-20xx.ac2".

WARNING: if you close the browser without saving, you will lose the entered data. Always save the file to your computer.

To reopen the saved file click on File > Open.

Also see Organize accounting files locally, on network and cloud.

Accounts Table

When opening the template, the chart of accounts includes all the accounts to manage your business. You only need to enter:

• In the Accounts table, Account column, your Customer and Supplier accounts complete with address, country code, and language.

• In the Accounts table, Opening column, the initial balance for each account (for assets and liabilities)
  At year-end closing, the opening balance is carried forward automatically via Actions > Create new year.

After each transaction, the columns in the Accounts table are updated immediately, giving you a clear and instant view of your financial situation.

The Income Statement has a progressive structure, allowing the profit to be viewed in the following stages:

• Gross operating profit after deducting material and resale goods costs
• Gross operating profit after deducting personnel costs
• Operating result before depreciation, adjustments, financial results, and taxes (EBITDA)
• Operating result before financial results and taxes (EBIT)
• Operating result before taxes (EBT)
• Non-operating result
• Profit or loss before taxes
• Annual profit or loss

Record transactions

In the Transactions table, enter all daily movements. To speed up entry, we recommend using various automation features:

• The Autocomplete data entry feature allows automatic reuse of previously entered data
• The Recurring Transactions feature (under the Actions menu) allows you to store repetitive transactions in a dedicated table
• Importing data from the bank statement retrieves all bank transactions automatically. With the Advanced plan you can use Rules, a new feature that provides full automation of transaction entry.
• You can link each transaction to its digital receipt, and with one click, view the document.
  See also Accounting files and digital receipts for better organization of your documents.
• Use the Sort Transactions by Date command to order rows by progressive date.
• Use the Print/Preview command to print or export the journal in PDF format.

Transactions with VAT

To record VAT transactions, simply enter the VAT code corresponding to the operation (purchase, sale, international transactions, etc.). Calculations are made automatically, with no need to manually post to the VAT account.

In our templates, all VAT codes are pre-set in compliance with the new 2024 VAT rates.

At the end of the period, you can automatically obtain:

• VAT Summary by account, code, percentage for all transactions (Professional and Advanced plans).
• VAT Sample, Effective Method (Advanced plan only)
• VAT Sample, Flat Rate Method (Advanced plan only)
• XML file for electronic data submission (Advanced plan only).

Import transactions from bank statements with Rules (Advanced plan only)

The new Rules feature is the most advanced automation innovation, highly appreciated by our users. This technology simplifies the management of financial transactions imported from bank, postal, and credit card statements using keywords. Each recurring transaction is automatically linked to a keyword, allowing precise assignment of the counterpart, VAT code, costs, and related segments.

Thanks to this system, during subsequent imports, the software quickly recognizes transactions based on the keywords and automatically completes the entry in the Transactions table. This drastically reduces manual entry, significantly speeds up workflow, and minimizes the chance of errors.

Create your invoices

Integrated invoicing in the accounting file allows invoice data to be recorded in the Transactions table. For each new invoice, insert a new transaction row.

The following settings are essential for creating invoices:

• Enter customer addresses (columns in the Address view)
• Set the customer group
• In the Transactions table, it is essential to enter the invoice number,

You can enter simple invoices on a single row or more complex invoices on multiple rows. Additionally, by enabling the Items columns (from the Tools menu), you can specify quantities, unit, and unit price.

To print the invoice go to Report > Customers > Print Invoice

Beautified Balance Sheet with Groups

To view the Balance Sheet, click on the menu Report  > Beautified Balance Sheet with Groups. You can customize the report with the columns you want to see, such as including the budget column or having Reports also by period.

Cash Flow: the lifeblood of your business

Cash flow is central to a company’s ability to operate, maintain solvency with suppliers, and generate income. Anticipating cash availability is essential to avoid mistakes, minimize risks, and optimize strategic decisions, helping you reach your goals successfully.

For optimal business management, it is crucial to have forward-looking insights, forecasting cash flow trends, sales, purchases, and future investments. Knowing whether your business will generate income is important, but forecasting cash availability is even more decisive. Without sufficient liquidity, you may be forced to cut expenses or seek financing.

With Banana Accounting, you can easily create both a cash flow forecast and a financial budget—strategic tools that will help you build a successful future for your business.

Discover the advanced forecasting features in our Documentation:

• Budget and Forecasts
• Financial Planning Template

Companies with an annual turnover (including VAT) not exceeding 5.024 million Swiss francs and a VAT liability not exceeding 103,000 Swiss francs per year can opt for the balance rate VAT method, subject to request and approval from the AFC.

More information are available at the Swiss VAT tax report - Flat tax rate method page (available in German, Italian and French only) 

In the Banana Accounting Plus template, the chart of accounts and the VAT Codes table include all the necessary settings to manage VAT in Switzerland using the balance rate method.

You can choose how to handle VAT in your transactions:

• Break down VAT in each transaction
  Before you start recording transactions, enter your VAT rates in the VAT Codes table and set "YES" in the Gross column. This way, each transaction will include a VAT breakdown, with the VAT amount displayed in the corresponding column.
• Calculate balance rate VAT at the end of the period
  VAT codes must be entered in the VAT calculation dialog, available in the Banana Accounting Plus extension. Transactions will be recorded with VAT-inclusive amounts, and there will be no breakdown of VAT amounts.

More information is available on the page VAT Report - Net tax Rate / Flat Rate Method.

At the end of the period, the software automatically calculates VAT using the balance rate method and generates a PDF preview of the official VAT report along with an XML file for the electronic submission of VAT data to the AFC.

The program includes many features to work efficiently and achieve professional results.

Some features require a subscription to the Advanced plan of Banana Accounting Plus, such as generating the VAT report template or the XML file, using the new Rules, Filter, and Temporary Sort Rows functions. Check out all the features of the Advanced plan.

Create your file

• Open the template with the Banana Accounting WebApp  
• Using the File > File Properties command, set the period, your company name, and the base currency (you can create a budget and manage accounting in any currency you prefer).
• With the File > Save As command, save the file. It is useful to include your studio name and the year in the file name. For example, "Studio-Rossi-SA-20xx.ac2".

WARNING: If you close the browser without saving, you will lose the entered data. Always save the file on your computer.

Further information and insights:

• Videos
• How to get started
• Transactions
• Import and auto-completion
• Integrated invoicing
• Swiss VAT - new regulations
• Printouts
• Year-end closing and New year 

Tutorial with a very simple and short chart of accounts, where we provide some recording examples to create invoices with VAT. The file also includes the Items table, where you can enter the data of the items or services to be invoiced. The data entered in the Items table is automatically retrieved in the Transactions table.

Create the file and test the Invoice functions

If you want to try out the invoice printing functions with VAT and QR code, you can start with this template.

• Open the template with the Banana Accounting Plus WebApp
• With the File > File and accounting properties command, set the period, your company name, and base currency.
• With the File > Save As command, save the file, for example as "Rossi-SA-20xx.ac2".
• In the Accounts table, enter the data of one of your customers. In the Addresses view, you can complete all address details (company name, address, phone and email contacts, country code and customer language).
• In the Transactions table, you will find various billing scenarios already recorded. You can delete the rows and enter the data of your invoice. By entering the Debit and Credit accounts, the invoice will be automatically posted.
• Select the Reports > Customers > Print invoices menu, click OK to preview the documents.
• To try out the different available invoice layouts, see the Invoice layouts page.
• To customize the invoices, see the Advanced input - Type column page.

You can find all the information about creating and printing invoices with QR code at the following webpage:

• Create and print invoices with Swiss QR code

WARNING: If you close the browser without saving, you will lose the entered data. Always save the file to your computer.

To reopen the saved file, click on File > Open.

Some functions require a subscription to the Advanced plan of Banana Accounting Plus, such as using the new features for printing the VAT return sample from 2024, Rules, Filter and Temporary row sorting. See all the features of the Advanced plan.

Other Resources

• Videos
• Getting started
• Transactions
• Integrated invoicing
• Reminders
• Extimates and invoices
• VAT return form – effective method
• VAT form – flat-rate method
• Printouts

Template with SME chart of accounts, compliant with the rules established in the Swiss Code of Obligations (Art. 957 and following). Ideal for keeping accounts with an annual turnover of at least CHF 500,000.

The structure of the chart of accounts is in a step format and allows you to view the composition of the operating result also in intermediate stages.

• You can customize the accounts to suit your specific needs.
• By setting up the customer ledger, you have the possibility to issue invoices to your customers with the added benefit of having them automatically recorded in the accounting.
• The VAT Codes table is updated with the new 2024 VAT rates.
• To speed up data entry, you can use the bank statement import function together with Rules: for each imported transaction, enter a keyword (Rule) that completes all other elements of the entry (counter account, VAT code, cost center...). On subsequent imports, the program automatically completes any entry that contains the keyword, significantly reducing workload and minimizing errors.

Many automation features, such as bank statement import using Rules, the VAT return sample form with the new 2024 rates, the XML file for electronic VAT data submission, filtering, and many others, are included exclusively in the Advanced plan of Banana Accounting Plus.

Create your file

• Open the template with the Banana Accounting Plus WebApp
• With the File > File and accounting properties command, set the period, your company name, and base currency (you can do budgeting and accounting in any currency you prefer).
• With the File > Save As command, save the file. It’s helpful to include the company name and year in the file name. For example, "Rossi-SA-20xx.ac2".

WARNING: If you close the browser without saving, you will lose the entered data. Always save the file to your computer.

More information and insights:

In our Documentation you will find all the information and details to manage your accounting effectively:

• Getting started
• Opening balances
• Transactions
• Import
• Budget
• Invoicing
• Swiss VAT management – new 2024 rates
• Printouts
• Year-end closing and new year