Download the file with your transactions from your bank and import it directly into the Transactions table. The date, description, account, and amount will already be filled in; you will only need to assign the income or expense category.

Proceed as follows:

• Go to the Actions menu > Import into accounting.
• Select your bank. If you don’t see it in the list, click the button at the bottom left Manage extensions. Search for it and install it in the dialog window that opens, then return here.
• Select the format of the file downloaded from the bank, postal account, or credit card.
• Confirm with the OK button.

Standard formats such as ISO 20022 and .txt are available with the Professional plan, while bank-specific .csv files are included only in the Advanced plan.

Once you have selected the import file, the next dialog will appear:

The program will import all transactions into the Transactions table: you will only need to enter the counterpart, any VAT code, cost centers, or segments.

From this dialog, you can also enable the Apply Rules option (available only in the Advanced plan) to further automate transaction entry. 

More information about importing is available on the page:

• Import your transactions into Banana Accounting Plus
• Auto-complete rules in Income / Expense accounting.

The Recurring transactions table allows you to save transactions that repeat during the year and automatically recall them in the Transactions table when needed. You can store, for example:

• Salaries
• Rents
• Subscriptions
• Periodic payments

How to save a recurring transaction

• Go to the Transactions table.
• Select one or more transactions that are repeated.
• Copy them (Ctrl+C).
• Paste them into the Recurring transactions table (Ctrl+V).

In the Recurring transactions table you can also manually enter the transactions that are repeated during the year.

How to recall a recurring transaction

• In the Transactions table, place the cursor on the row where you want to insert it.
• Double-click in the Doc column: a list of saved transaction codes will appear.
• Select the code of the transaction you want to use.
• Press Enter.

The program automatically inserts all the transaction data: you only need to update the amount or date if necessary.

Advantage: with this method you avoid rewriting identical operations each time, saving time and reducing the risk of errors.

More information is available on the page:

• Recurring transactions table

Even with Income and Expense accounting, you can take advantage of the advanced Auto-completion Rules for imported transactions to further automate your work. Rules are available only in the Advanced plan of Banana Accounting Plus.

With Rules you can automate the recording of recurring transactions. For each imported transaction that you expect to recur, you can create a Rule, assigning not only the counterpart account (i.e. the reason for the expense or income), but also other details such as cost center, VAT code, row color, and so on. This way, in future imports, the program will automatically apply the Rule to the corresponding transactions, importing them already complete with all the information you have defined.

You can set up Rules:

• from the Transactions table
• from the Apply Rules dialog
• from the Recurring transactions table

Below we explain how to set up Rules from the Transactions table

Rules from the Transactions table

In the Transactions table you can use already imported and completed recurring transactions to create Rules.

• Select the imported transactions (after completing counterpart, VAT if applicable, cost centers, and segments).
• Right-click and choose Create rules from selection from the menu that appears.

Transactions with rules are saved in the Recurring transactions table and can be identified in the Doc column by the “!Rule” identifier.

By saving rules complete with all details, at the next data import from the bank or postal statement, the program will insert the transactions automatically completing the counterpart and all the other stored elements. The amount is updated based on the latest import.

In the Recurring transactions table you can edit rule-based transactions at any time: 

• add more transactions with rules
• delete transactions with rules that are no longer needed
• modify rules of already existing transactions

Rules from the Apply Rules dialog

Rules can also be set at the moment when transactions are imported from the bank statement or other statements through the Apply Rules dialog. 

More information is available on the following pages:

• Create rules from the Apply Rules dialog
• Demo video: Import and automatically complete transactions.

The indicated pages use double-entry accounting files as examples, but the principles are the same for income/expense accounting.

Rules from the Recurring transactions table 

This procedure requires manually entering recurring transactions directly in the Recurring transactions table before recording the transactions in the Transactions table. 
To follow this procedure, see the information on the following page: 

• Recurring transactions table 

The indicated page uses double-entry accounting files as examples, but the principles are the same for income/expense accounting.

In Income / Expense accounting, a transaction is generally recorded with one account entered in the Account column and one category entered in the Category column.

• The accounts are those listed in the Accounts table.
• The categories are those listed in the Categories column.

It is also possible to record a transaction involving multiple accounts or categories, by entering one account or category per row, until the entry is complete.

When you need to record a transaction that involves two accounts, without using a category, you can use the Category column to enter the second account from the Accounts table. 

An example could be the recording of a cash withdrawal from the postal account. The transaction should be entered as shown in the example below.

• Enter the Date and Description in the respective columns
• In the Income or Expense column, enter the amount
• In the Account column, enter the first account
• In the Category column, enter the second account
   

In Income / Expense accounting, a transaction is generally recorded with one account, entered in the Account column, and one category, entered in the Category column.

It is also possible to record a transaction involving multiple accounts or multiple categories, by entering one row for each account or category, until the transaction is complete.

• The accounts to be used in the trasnsactions are those listed in the Accounts table.
• The categories to be used in the transactions are those listed in the Categories table.

When it is necessary to record a transaction between two categories, it is not possible to do so on a single row. A category cannot be entered in the Account column.

Therefore, the transaction between two categories must be recorded over two rows:

• On the first row:
  • Enter the Date and Description in the respective columns
  • Enter the amount in the Income or Expense column
  • Leave the Account column empty
  • Enter the first category in the Category column
• On the second row:
  • Enter the Date and Description in the respective columns
    You can also copy the data from the previous row
  • Enter the amount in the Income or Expense column.
    If necessary, you can reverse the income or expense amount compared to the previous entry.
  • Leave the Account column empty
  • Enter the second category in the Category column

To record transactions with VAT in Banana Accounting, you need to use an Income / Expense template with the VAT management option.

These templates already include all the settings needed to manage VAT:

• The Accounts table includes VAT report and VAT payable accounts.
• In File properties > Basic data > VAT, the VAT report account is set.
• The VAT Codes table already contains VAT codes updated according to regulations.

How to record transactions with VAT

The Transactions table includes specific columns for VAT. If you activate the Complete view, you can see all the dedicated columns.

For each transaction, enter:

• Date → the date of the document (invoice, receipt, etc.).
• Doc → the document number (if available).
• Invoice No. → enter the invoice number from the customer or supplier.
• Doc Link → enter the path to the PDF document to attach.
• Description → short text describing the operation (e.g. Sale of goods or Rent payment).
• Income/Expense → the amount received or paid.
• Account → an account related to the transaction from the Accounts table (e.g. Cash, Bank).
• Category → the reason for the transaction represented by a category from the Categories table (e.g. Sales, Rent).
• VAT Code → indicate the applicable rate:
  • V81 → sales.
  • M81 → purchases related to main business activity.
  • I81 → purchases related to investments or general costs.

Automate the VAT code

To speed up entries, you can make the VAT code fill in automatically.

• Go to the Accounts and Categories table.
• From the menu Data > Columns setup, activate the VAT Code column.
• Enter the VAT code in the corresponding rows. The VAT code must exist in the VAT Codes table. For Switzerland, for example:
  • On fixed asset purchase accounts → I81.
  • On sales categories → V81.
  • On purchase categories → M81 or I81.

This way, when you enter a transaction linked to that account or category, the program will automatically fill in the VAT Code and immediately calculate the related data.

Learn more 

• VAT Summary
• Swiss VAT Management
• Various VAT transaction cases (double-entry accounting)
• Swiss VAT reports → Only with Advanced plan.

使用信用卡消费变得越来越普遍，不仅在企业，在家庭也是如此。为了更好地控制信用卡的支出，您需要记录账户中的交易。要做到这一点，请确保您在账户表中有一个信用卡账户，或者将其添加到您的账户中。

记录预付款中的信用卡交易动向

信用卡账户是一个借方账户，需要输入在账户列中。

在收益费用核算中，每当您用信用卡支付首付款时，必须记录如下：

• 输入日期、摘要。
• 在支出列中，将金额记录为输出。
• 在账号列内，输入现金账户 (银行、邮局)。
• 在科目列中，输入信用卡的账号。

当信用卡账单到账后，费用由首期付款支付，必须记录信用卡的动向以检测产生的费用并冲销信用额。

在这种情况下，其被记录在多行中：

• 每个动向都必须输入相同的日期和相同的文件编号。
• 输入表明费用类型的说明。
• 在支出一列中，输入从信用卡支付的总金额。
• 在账号一列中输入信用卡的账户。
• 在以下各行中，要记录通过信用卡支付的每笔费用，在支出列中记录费用的金额，在科目列中记录费用的类别。

在记录所有的交易后，检查信用卡余额 (打开信用卡的账户明细)。

The private account is a financial account used in accounting to record transactions that do not directly concern the business, but rather relate to the owner's private sphere. This account tracks withdrawals and contributions made by the owner for personal purposes; it serves to keep business and personal finances separate, avoiding confusion in the company's bookkeeping.

Withdrawals from the company by the owner

If the owner uses business funds for personal expenses, the amount is debited to the private account. The amounts withdrawn by the owner appear in the Accounts table, in the Income column of the private account, because they represent a receivable of the company from the owner. In the Balance column of the private account, the amount is positive.

Deposits into the company by the owner 

If the owner deposits private funds into business accounts, the amount is credited to the private account. The amounts deposited by the owner appear in the Accounts table, in the Expenses column of the private account, because they represent a liability of the company to the owner. In the Balance column of the private account, the amount is negative.

Balance of the private/partner account

• Positive balance: indicates that the owner owes money to the company.
• Negative balance: indicates that the company owes money to the owner.

The December credit card invoice is usually received in January of the following year, and consequently, the payment is also made in January.

All expenses listed in the December credit card invoice belong to the previous year; therefore, they must be recorded in the accounting of the previous year.

Recording the December credit card invoice

To record it correctly, it is necessary to have the liability account Costs to be Paid in the Accounts table, which is a transitional account. If it is not present, it must be added. 

In the Transactions table, enter:

• Date and any document number in the respective Date and Doc. columns.
• Description
• Total credit card amount in the Expenses column
• Costs to be Paid account in the Account column
• Expense category in the Category column. If the invoice includes multiple expenses, record each expense on a separate row.

Recording the payment of the December credit card invoice in the following year

In the following year, when the new year is created, the balance of the Costs to be Paid account is displayed as an opening balance in the Accounts table. 
When the credit card invoice is paid, the Costs to be Paid account is cleared.

To record the payment of the credit card invoice, enter:

• Date, any document number
• Description
• Total amount of the credit card invoice in the Expenses column
• Liquidity account from which the invoice is paid in the Account column
• The Costs to be Paid category in the Category column.

预算表格

财务计划是在预算表中执行的。

如同发生业务表一样，输入的预测就像正常的业务一样。 
也可以输入数量和价格，以及计算公式。

有关预算的更多信息，请参阅预算表的页面。

In Banana Accounting, in the Categories (or Accounts) table, you can add, in addition to the column for the current year's budget, an extra column to create a Budget for the following year.  This is a very practical solution, for example for associations, where members must approve not only the final accounts of the year, but also the budget for the following year.

How to add the Budget column for the following year 

You need to add the Budget for the following year column in the Categories table.

• Go to the Categories table of your accounting file.
• From the Data menu > Columns setup > Add.
• Enter as the title of the new column: Budget following year (e.g. Budget year xxxx).
• Set the Data type = Amount, so that Banana automatically calculates the group totals.
• Confirm with OK.

The new column for the following year’s budget will be visible in the Categories table.

Entering the values

In the column you added, enter the estimated amount for the following year for each income and expense category. 

• Income column → positive amounts
• Expense column → negative amounts.

Printing the Budget

Currently, it is not possible to print the Statement with the additional Budget column for the following year. It will be available soon. 

At the moment, the Statement must be printed directly from:

•  The Categories table, in the Budget view
• or from the Print view, displaying the Budget columns via the menu Data > Columns setup
  In this view, the Section, Group, Sum In and Opening columns are not displayed.
• Create the PDF from the File > Create PDF menu
  Before creating the PDF, you can also select the rows of the Categories table.

The advanced budget allows you to create a very detailed budget. Based on the transactions and dates entered, the program automatically calculates the expected results for each period.

▶ Video: Income and Expense Accounting Budget

Activate the Budget Table

To activate the Budget table, go to the menu:

• Tools > Add/Remove functionalities > Add Budget table.

Once activated, the table will be available in the accounting file.

Entering the forecasts

In the Budget table, enter the future transactions by indicating:

• Liquidity account (e.g. bank, cash).
• Category (reason for expense or income).

You can also specify:

• Quantity and Prices.
• Calculation formulas.

Columns of the Budget table

In the Income and Expense Accounting, the columns of the Budget table are the same as in the double-entry accounting, with a few differences:

• Budget amounts → entered in the Income or Expenses columns.
• Instead of the Debit/Credit columns → there are the Account (items of what you have and what you owe) and Category (reason for income or expense) columns.
• Optional columns: Quantity, Price, Formula → if filled in, the program automatically calculates the amount. When the program automatically calculates the amount based on the Quantity, Price or Formula columns, the result is entered in the Income column if positive, and in the Expenses column if negative.
  Both positive and negative values can be entered in the Quantity and Price columns.

More information: 

• Columns of the Budget table

Results

Thanks to the data entered for the expected future transactions and the recurrence, the program automatically calculates:

• Expected income and expenses.
• Future liquidity movements, showing at any time how much money will be available.
• Specific results per period, useful for detailed analysis and forecasts.

Printing the Budget

You can print the Budget using one of the following methods:

• Directly from the Accounts table, Budget view.
  This method is used when selecting the budget in the Accounts or Categories table (on a yearly basis).
  The printout appears with the same column layout as shown in the image.
   
• From the menu Report > Enhanced balance sheet with groups. 
  This method is used when using the detailed budget from the Budget table.
  In the Columns section, you need to activate the option:
  • Budget for the Categories and optionally for the Accounts.

如同Banana财务会计软件内所有其它的应用程序一样，在收益&费用核算内的发生业务，也是要输入在发生业务表中。如果您想打印日记账 (所有动向的列表)，您可以通过两种不同的方式进行操作：

• 在发生业务表格，选择文件菜单 → 页面设置 → 打印
• 报表菜单 → 分期日记账的命令。

分期日记账

点击报表菜单 → 分期日记账的命令，可以打印整个时期或选定时期内的日记账，您只需输入时期的开始和结束日期。

账户或科目明细对应于分类账，并允许您拥有关于同一账户、科目、成本中心、分部或组的会计条目的完整列表。

打开账户明细

有两种方法可以打开和打印账户明细或科目明细。

第一种方法

当您想要查看和打印所有或多个账户/科目明细的时候，建议使用此方法。

• 点击报表菜单 → 账户/科目明细

之后会出现一个对话框，里面包含以下几个部分。

• 账户/科目
• 时期
• 选项
• 自定义

要了解各部分的详细信息，请点击相应的链接。

第二种方法

当您只需要在表格中一次打开一个明细时，可以使用这种方法。

• 点击选择包含账户、科目或组号单元格内右上角出现的小符号。

更新账户明细

账户或科目的明细显示的都是当前的数据，在请求的当下进行的计算。如果在发生业务表中更改或添加了发生业务，不会同时更新账户明细。

要想在做出更改之后更新相应的账户明细，必须再次点击账户/科目明细的命令。或者，如果该账户明细仍处于打开的状态，请单击下图所示的符号进行刷新。

附注信息

在账户、科目或组的明细中不能更改数据。在账户明细中，通过双击行号，程序会切换到发生业务或预算表中的相应行。

已选账户的列

点击数据菜单 → 列设置命令，在跳出的窗口中选择添加已选账户，在此列中会显示发生变动的账户。
当您得到一个或多个账户、科目、组和部门的账户标签时，您可以看到具体使用了哪个账户。

抵销科目的列

在账户或科目的明细表格中，抵销列显示的是完成该发生业务的对应账户。

组或类的明细

在一个组或类的明细中，对属于所选组或类的账户的所有记录进行了分组。
在已选账户的列中，可以显示组或类的账户或类别。

预算的账户明细

如果在预算表格内输入了预估的发生业务，之后便可以查看预算的账户明细或组的明细：

• 报表菜单 → 账户/科目明细的命令 → 激活预算交易的选项。

打印分类账 (账户明细)

打印明细:

• 点击报表菜单 → 账户/科目明细的命令。
• 通过点击过滤的选项，可以自动选择所要打印的账户明细 (例如，仅打印账户，成本中心或部门)。
• 在时期，选项，自定义的各个选项标签中，激活所需的功能 (例如，自选时间段，每页一个账户，等等)。
• 设置所需选项后，单击确定。

所选的账户明细将出现在屏幕上。如需打印，请点击文件菜单 → 打印的命令。

在账户明细中插入商标 (Logo)

从 Banana财务会计软件9开始，您可以在打印的账户明细中插入商标 (Logo)。

在创建账户明细后，按以下步骤进行：

• 点击报表菜单 → 账户/科目明细的命令。
• 文件菜单 → 打印预览的命令。
• 点击页面设置命令的图标，然后在跳出的窗口中，在 Logo(商标) 一栏中对其进行更改。

更多详细的信息可在设置Logo/商标的页面查看。

保存设置

如果您需要经常打印某些账户的明细，例如所有的销售明细，那么创建一个特殊的自定义设置是很有用的：

• 点击报表菜单 → 账户/科目明细的命令 → 自定义的标签。
• 点击新建的选项。
• 在摘要中输入名称，例如 "销售账户"。
• 选择您要打印的账户。
• 点击文件菜单 → 页面设置的命令，您可以编辑页边距和其它页面的设置。

每当您需要打印账户的时候，可以选择您创建的自定义。

生成报表为资产的发展情况及指定年度的运营结果给出了一个概况。此功能存在于收益 & 费用会计核算中;

• 点击报表菜单中的生成报表命令，来对要打印的生成报表进行设置;
• 预览中显示的资产负债表可以保存为PDF、HTML、MS Excel的格式，并可以复制到剪贴板。
• 可以在年底或某一特定时期计算、查看和打印该报告。

参见打印示例

页标题

行 1-4

在这些行中，用户可以自由的定义报表的标题。

商标 (Logo)

可以在报告的所有页面的页眉处插入商标。
您可以在报告的封面上添加公司的Logo/商标。
点击文件菜单→Logo(商标)设置命令，添加了一个或多个商标，您可以从列表中选择一个。
如果没有添加商标，可以用编辑按钮来添加商标。

列标题

开始日

输入会计核算的开始日期。

结束日

输入会计核算的结束日期。

上年

输入上一会计年度的最后日期。

封面页

封面页

通过激活该功能，可以打印封面。

商标 (Logo)

您可以在报告的封面上添加公司的Logo/商标。
点击文件菜单→Logo(商标)设置命令，添加了一个或多个商标，您可以从列表中选择一个。如果没有添加商标，可以用编辑按钮来添加商标。

打印页

激活您想要其出现在打印出的生成报表上的选项：

账户

账户将被打印。

首页

拥有文件标题的首页将被打印。

科目

科目将被打印。

账户页尾

账户和科目将被打印在两张不同的页面上。

打印范围

被选中的选择必将会出现在打印出来的报表中。

如果您在时期标签下选择了特定的时间段，那么有些选项将会是不可用的 (例如预算余额)。

其它标签

对于其它标签，您可以在下面的页面中找到相对应的解释:

• 时期
• 风格
• 文字
• 边距
• 自定义

这一特征仅在 Banana财务会计软件的7.0.4版本或更高的版本中可用。其可以允许用户们获得按组生成的报表，并且拥有在复式记账中所有可用的选项。

生成报表使以下成为可能:

• 在打印中，包括所有出现在账户和科目表中的组;
• 排除组或单个账户;
• 通过时期选择一个细分;
  (例如，在上半年，用户可以选择每月或每季度的细分);
• 通过分部选择细分。

• 此命令通过使用特定的组，特定的时期及细分来显示账户的金额;
• 不含日期的业务将被视为期初业务，其不会被显示在打印出的损益表中。

显示

您可以选择所需的分组方案:

• 账户 - 报表会显示出一个拥有以下列的所有账户列表: 初期余额，收入，费用及账户余额;
• 科目 - 报表会显示出一个拥有以下列的所有科目列表: 初期余额，收入，费用及账户余额。

选项

您可以选择被包含或被排除的账户:

• 不含账户 - 只有科目会被打印;
• 含发生额账户 - 不含发生业务的账户也会被打印;
• 含零余额账户 - 拥有零余额的账户也会被打印;
• 不含无账户的组 - 零余额的账户组将不会被打印。

其它标签

对于其它标签，您可以在下面的页面中找到相对应的解释:

• 时期
• 细分
• 合成

可以在增值税报告的页面上找到更加详细的信息。

At the end of the year, when the accounting has been completed, checked, and reviewed, you can create an archive of your data in PDF format.

To do this:

• Go to the menu File > Create PDF dossier.

The program gathers all the main accounting information of the year into a single PDF document. You can keep the file as a digital archive, print it, or share it.

This allows you to have an organized and non-editable copy of your accounting, useful for long-term storage or for presenting to auditors, partners, or external entities.

Accounting closings are all the verification and control operations carried out at the end of the year (or accounting period) to ensure that the data is correct and that the year’s result is calculated without errors.

With Banana Accounting, many operations are simplified and automated, but it is important to use the available functions, including:

• The Balance column highlights any discrepancies and carries them forward to the following rows until they are corrected.
  Tip: keep an eye on this column during the year to immediately correct errors and prevent them from accumulating.

 With the Filter rows (only with the Advanced plan), you can quickly search for transactions with the same texts, amounts, or accounts, and correct them without scrolling through the entire table. 

Automatic accounting check

The Check accounting command (Actions menu) automatically performs a series of checks to immediately detect any errors or differences.

We recommend using it:

• when error messages appear
• after modifying Accounts, Categories, or VAT Codes
• during the annual closing
• after creating the new year and making further changes.

Errors are shown in the Messages window, with the indication of the table and row to be corrected.

With the Check accounting command, the program searches and reports:

• Differences in the Transactions table
  All amounts must balance: income and expenses must not generate differences.

• Differences between accounting balances and actual balances
  With the CheckBalance function you can automatically compare recorded balances with those from bank statements and detect discrepancies.
  This is essential to ensure the truthfulness and accuracy of the accounting: the balances of the accounts must match the actual balances:

  • bank and credit card accounts must match bank/postal statements,
  • the cash balance must match the actual cash,
  • the VAT payable account must match the balance of the VAT Report account.

  More information about Verification entries is available on the page Verification balance transactions.

• Summation errors in the Accounts and Categories table
  If in the Accounts or Categories table you have added, deleted, or renamed accounts, groups, or subgroups, grouping errors may occur.
  These are reported by the Check accounting command and must be corrected, otherwise the totals in the reports will be wrong.
   
• Differences in opening balances
  In the Accounts table, the balances of the balance sheet accounts must always exactly match the closing balances of the previous year (previous year’s file).
  Differences may occur for the following reasons:
  • In the previous year’s file, transactions were added or deleted after creating the new year.
  • In the previous year’s file, errors were corrected after creating the new year.
  • In these cases, to correct the opening balances, you need to use Update opening balances.

How to start the new year

In Banana Accounting, each year has its own separate file:

• from the menu Actions > Create New Year you generate the new year’s file,
• you can work simultaneously on the old file and on the new one,
• once the closing is complete, update the balances in the new file with Update opening balances.

Annual Report printing 

The Annual Report is the document that summarizes all the year’s income and expenses, showing the final balance and the result (profit or loss).

It is based on the following calculation scheme:

• Sum of income → revenues and proceeds.
• Sum of expenses → costs and charges.
• Difference between income and expenses → profit or loss.

You can prepare it from the menu Reports > Enhanced statement with groups, customizing columns and print settings.

Carry forward the year’s result in Income / Expenses accounting 

In Income/Expenses accounting, it is not necessary to allocate profit or loss, because the Net worth total in the Accounts table already represents equity.
The year’s result (income – expenses) is automatically carried forward into the balance sheet.

If you also want to display the results of previous years, you can create a specific account Previous years’ results and manually enter the amount in the Opening column.

Locking transactions

Once the checks and closings are completed, you can lock the transactions:

• From the menu Actions > Lock transactions
• The rows will be numbered and protected by a blockchain code that ensures their integrity.

PDF Dossier

With the Create PDF dossier command you can save all the year’s documents (account cards, journal, report, VAT report, etc.) in a single PDF file. We recommend saving it and, for security, making copies on external media.