This page explains how to correctly define the length and format of the Customer number and the Invoice number when invoicing with Banana Accounting Plus.

Important: Correctly setting the Customer number and the Invoice number is essential, especially if you issue Swiss QR invoices and want to automatically record payments. Both numbers are included in the reference number on the QR slip and are used to automatically link imported payments to the related invoices.

This setting applies to:

• Invoicing integrated in the accounting file (with or without Swiss QR)
• Invoicing with the Estimates and Invoices application (with or without Swiss QR).

Customer number

The Customer number is the identifier of the customer in accounting (subaccount or cost center). In QR invoices, it is also used to automatically record payments of the invoices.

Customer number format for QR invoices

In QR invoices, the customer number is included in the reference number. For this reason, it must follow specific rules, which vary depending on the type of account used (IBAN or QR-IBAN) and the type of reference number chosen.

• QR Invoice with IBAN account:
  • Only numbers or letters are allowed (A‑Z, 0‑9).
  • Spaces, separators, or other characters (-, /, #, etc.) are not allowed.
    If you insert separators or other characters, they will be removed from the invoice printout and may cause problems in automatically recording payments.
  • Customer number + Invoice number ≤ 19 characters.
    The two numbers together must not exceed 19 characters. It is recommended to keep the Customer number to a maximum of 7 characters.
• QR Invoice with QR-IBAN:
  • Only digits (0–9) are allowed.
  • No spaces, letters, separators or other characters (-, /, #, etc.). If you insert separators or other characters, they will be removed from the invoice printout and may cause problems in automatically recording payments.
  • Maximum length 7 digits.
  • Customer number + Invoice number: together must not exceed 14 digits.

Customer number format for invoices without QR

For invoices without QR, there are no constraints regarding the format of the customer number. Best practices apply.

Best practices for customer numbers

• Uniqueness: each customer must have a unique number.
• Consistency: use a fixed scheme (e.g. 1000001, 1000002, etc.).
• Compatibility: if you plan to issue QR invoices with both standard IBAN accounts and special QR-IBAN accounts, or switch from IBAN to QR-IBAN, use only numbers.

Invoice number

The Invoice number uniquely identifies the invoice (mandatory). In QR invoices, it is also used to automatically record payments.

Invoice number format for QR invoices

In QR invoices, the invoice number is included in the reference number. For this reason, it must follow specific rules, which vary depending on the type of account used (IBAN or QR-IBAN) and the type of reference number chosen.

• QR Invoice with IBAN account:
  • Only numbers or letters are allowed (A‑Z, 0‑9).
  • Spaces, separators, or other characters (-, /, #, etc.) are not allowed. If you insert separators or other characters, they will be removed from the invoice printout and may cause problems in automatically recording payments.
  • Customer number + Invoice number: ≤ 19 characters.
    The two numbers together must not exceed 19 characters. It is recommended to keep the Customer number to a maximum of 7 characters.
• QR Invoice with QR-IBAN:
  • Only digits (0–9) are allowed.
  • No spaces, letters, separators, or other characters (-, /, #, etc.). If you insert separators or other characters, they will be removed from the invoice printout and may cause problems in automatically recording payments.
  • Maximum length 7 digits.
  • Customer number + Invoice number: together must not exceed 14 digits.

Invoice number format for invoices without QR

For invoices without QR, there are no constraints regarding the invoice number. Best practices apply.

Best practices for invoice numbers

• Uniqueness: each invoice must have a unique number.
• Consistency: use a fixed scheme (e.g. year+progressive: 2500001, 2500002, etc.).
• Compatibility: if you plan to issue QR invoices with both standard IBAN accounts and special QR-IBAN accounts, or switch from IBAN to QR-IBAN, use only numbers.

Banana财务会计程序总是要在收入入账的那一行输入增值税代码。收款时需要缴纳增值税，收入账户也会被相应地记录。客户管理是通过成本中心3的利润中心来完成的。

在这种情况下，为了登记客户并开具发票，就必须：

• 在会计科目表中设置利润中心成本中心3的客户分类账。
• 在客户菜单设置中，选择成本中心3利润中心组。
• 当开具发票记录时：
  • 发票。
  • 在成本中心3列中输入成本中心3的利润百分比 (无借记或贷记账户) 。
  • 在同一行中，在方括号 [V81] 之间输入销售税代码。
    插入方括号内的增值税代码允许您查看发票中的增值税金额，而不需要在记录发票时进行会计处理。

In integrated invoicing, invoices are created and recorded in the same file. Regarding accrual-based accounting, invoices must be recorded at the time of issuance.

In accrual-based invoicing management, it is necessary to set up the customer subaccount in the Accounts table as shown in the balance sheet.

• All customer accounts must have complete data (first name, last name or company name, address), because when creating the invoice, the program uses this data for the invoice header.

It is possible to create and record invoices with or without VAT.

Accrual-based Invoice

In the accrual-based system, the invoice is created to be sent to the customer, and it is recorded at the same time.

Therefore, with a single transaction, both the invoice is created and recorded:

• In the Date and Doc. column, enter the date and any document number.
• In the Invoice column, enter the invoice number.
  It is important that the invoice number complies with certain requirements: see how to correctly create the invoice number.
• In the Description column, enter the items to be invoiced that should appear on the invoice.
• In the Debit column, enter the customer's account from the subaccount.
  It is important that the customer number complies with certain requirements: see how to correctly create the customer number.
• In the Credit column, enter the revenue account.
• In the Amount column, enter the gross amount.

Accrual-based Invoice and VAT – Effective Method

The standard procedure in Banana Accounting for VAT management requires entering the VAT code on the same row where the income is recorded.

Issued invoices are immediately recorded and posted. Income is recognized at the time the invoice is issued.

Therefore, in accrual-based VAT management, the VAT code is added when the invoice is created.

The invoice data is entered in the Transactions table. For each new invoice, enter a new transaction row.

• Enter the date of the transaction
• The invoice number
  It is important that the invoice number complies with certain requirements: see how to correctly create the invoice number.
• The description text (products, services, consulting...) that will appear on the customer invoice
• In the Debit account, enter the customer account number
  It is important that the customer number complies with certain requirements: see how to correctly create the customer number.
• In the Credit account, enter the counterpart (Sales account, Consulting or other)
• Enter the amount
• In cases subject to VAT, enter the VAT Code with the applicable VAT rate. See Print invoices and VAT management.

If you are subject to VAT under the balance rate or flat-rate regime with the cash-based system, you must record the invoice issuance to the customer and its accounting registration separately, for the following reasons:

1. Invoice to be sent to the customer:
   It must show a normal commercial VAT rate (e.g., 8.1%), as required by tax regulations.
2. Accounting of the invoice:
   It must instead be recorded in accounting with the effective balance rate (e.g., 6.2%), using the corresponding VAT code (e.g., F1).

This approach is essential to ensure that the VAT paid corresponds to the applicable reduced regime, while still maintaining a formally correct invoice for the customer.

Issuing the invoice to the customer

To issue the invoice to the customer, proceed as follows:

In the Accounts Table:

• Create a customer sub-account with the profit center CC3 (example: ;10001 for customer XX)
• In the  Address view, enter all customer data.

In the Transactions table:

• In the Date column, enter the invoice issue date.
• In the Invoice column, enter the invoice number.
  It is important that the invoice number complies with certain requirements: see how to correctly create the invoice number.
• In the Description column, enter the description that should appear in the invoice details.
• In the Amount column, enter the amount
• The Debit and Credit columns must remain empty.
• In the VAT Code column, type the code V81 in square brackets  [V81]. 
  VAT codes in square brackets do not generate any VAT entry.
• In the CC3 column, indicate the profit center number without semicolon (e.g., 10001). 
  It is important that the customer number complies with certain requirements: see how to correctly create the customer number.

Since there are no accounts in the Debit and Credit columns, the invoice creation entry will not be recorded in accounting.

Recording the invoice with VAT balance rate

When recording an invoice subject to VAT with a balance rate in accounting, it is sufficient to proceed as with a normal entry, indicating the accounts in the Debit and Credit columns and entering the VAT code corresponding to the balance rate (e.g., F1).

Two recording systems can be used to register the invoice with the balance rate:

• Recording with split
  In the VAT codes table, VAT percentages have been assigned to balance rate VAT codes. In the transactions table, by entering the balance rate VAT code (e.g., F1), the program automatically enters the corresponding VAT percentage (e.g., 6.2) and the VAT amount.
• Recording without split, by entering the balance rate VAT code (e.g., F1), percentage and amount are not entered. At the end of the period, the specific extension for calculating balance VAT is used. 
  Based on the rate defined in the extension dialog, the program:
  • Identifies all entries with balance rate VAT code.
  • Automatically calculates the VAT due for the reporting period.
  • Totals the amounts on a periodic basis (e.g., monthly, quarterly, yearly).

The Banana Accounting procedure for VAT management requires entering the VAT code always on the line where the income is recorded. When accounting is managed based on turnover, the income is recorded when the invoice is issued. 

When subject to VAT using the balance rates or flat-rate method, customer invoices must be issued using the normal rates (e.g., 8.1%). However, the accounting of invoices under the balance rates or flat-rate method involves reduced rates (e.g., 6.2%).

• If the amounts are gross, you can record them based on turnover or on cash received, by entering the VAT code in square brackets.
• If the amounts are net, it is not possible to create and post the invoices at the same time. In this case, it is necessary to manage:
  • The creation of invoices in an accounting file, using the integrated invoicing or with the Offers and Invoices Application
  • The posting of invoices in the accounting file.
    In this case, the creation of the invoices must be handled in an accounting file or with the Offers and Invoices Application, and the posting in a separate accounting file.

Issuing an invoice with balance tax rate and gross amounts

To issue an invoice to customers with the standard VAT rate (e.g. 8.1%), you need to create a customer subaccount with profit centers CC3 (example: ;10001), completing all customer information in the columns of the Address view.

In the Transactions table:

• In the Date column, enter the invoice issue date.
• In the Invoice column, enter the invoice number:
  It is important that the invoice number follows certain rules: see how to correctly create the invoice number.
• In the Description column, enter the invoice details.
• The Debit and Credit columns must remain empty.
  Since there are no accounts in the Debit and Credit columns, the invoice creation entry will not be recorded.
• In the Amount column, enter the amount.
• In the VAT Code column, type the V81 code in square brackets  [V81]. 
  VAT codes in square brackets do not trigger VAT accounting.
• In the CC3 column, enter the customer account, without semicolon (e.g. 10001). 
  It is important that the customer number follows certain rules: see how to correctly create the customer number.

Posting an Invoice with Balance Rate and Gross Amounts

When recording the invoice in the accounting, to post it using the VAT balance rate, you must enter the transaction as usual, also entering the accounts in the Debit and Credit columns and the VAT code of the balance rate:

• If the VAT breakdown method is used, enter the VAT code for the balance rate (e.g., F1). In this case, the VAT Codes table includes the VAT rates for the balance. In example F1 corresponds to 6.2%.
• If the non-VAT breakdown  method is used, enter the VAT code without rate (e.g., F1). In the VAT code table, the balance rate codes do not have rates.

To post the invoice using the balance rate, it is necessary to create in the Accounts table:

• A customer sub-account using balance sheet accounts.
• Enter the date and description in the corresponding columns.
• In the Debit column, enter the customer account (e.g., 10001).
• In the Credit column, enter the income account.
• In the Amount column, enter the amount.
• In the VAT Code column, type the VAT code for the balance rate (e.g., F1)

要在发票中输入折扣或返利，请添加新行并输入：

• 发票日期。
• 发票编号。
• 折扣或返利的摘要。
• 借方和贷方列中的账户。与销售业务相比，倒转账户很重要。
  当客户/供应商明细账设置了成本中心，并且有折扣和返利的发生业务时，为了使金额反转，必须将成本中心的符号也反转。
• 如果有增值税，请在增值税代码中加上负号，以便扣除增值税，或者如果使用当前增值税代码进行折扣和返利，则应扣除增值税。

In the printout of invoices integrated in accounting, the total VAT amount corresponds to the sum of the individual VAT transactions that make up the invoice. Since the individual VAT transactions are rounded to the nearest cent, there may be a difference compared to the VAT calculated on the total invoice amount. 

To better understand, let's consider the following example: 

• Row 1: 8.1% of CHF 187.33 = Rounded: CHF 14.04
• Row 2: 8.1% of CHF 875.00 = Rounded: CHF 65.76
• Total: 8.1% of CHF 1064.88 = Rounded: CHF 79.80

The invoice shows a VAT amount of CHF 79.80 instead of CHF 79.79 (amount calculated directly on the total of 1064.88). In fact, the amount of CHF 79.80 corresponds to the sum of VAT individually calculated for each item (CHF 14.04 + CHF 65.76). 

This logic is adopted to avoid discrepancies between the VAT amounts recorded in accounting and those shown on the invoice. In this way, the total VAT in accounting matches the one printed on the invoice.

默认布局包括以下语言：意大利语，德语，英语，法语，荷兰语。

发票文本以客户的语言打印，但前提是在语言列 (账户表，地址视图) 中进行了设置。
语言是通常由2个小写字母组成的ISO代码 (it=意大利语, de=德语, en=英语, fr=法语, nl=荷兰语).

如果没有为客户账户指定语言，则使用文件 → 文件和账户属性 (基础数据) → 其它菜单中定义的会计语言。

发票的到期日可以用不同的方式设置：

• 广义到期日 - 所有发票的到期日相同
  选择报表菜单 → 客户 → 设置 → 总的 → 发票到期的选项，定义发票应该到期的期限 (按天)。例如，如果文档的日期为5月10日，而您输入的值为10天，那么发票到期日期将为月20日。
• 每个客户的截止日期 - 针对每个客户定义
  在账户表中, 可以使用到期日列 (如果未显示，通过数据 → 列设置 ...进行设置)。可以在此列设置发票应该到期的期限 (按天)。
• 每张发票的特定日期
  在发生业务表中，到期日期选项可以让您显示到期日列。

• 到期日期的替代文本
  可以将您选择的文本定义为每个发票的付款条件，这将替换到期日期的文本。请返回高级输入-类型列获取详细信息。

您也可以用不同的货币来打印发票：

• 您必须使用多币种会计文件。
• 发票以客户账户的币种打印。
  如果要将不同币种的发票发送给同一客户，则必须为同一客户创建不同币种的账户。

发生业务表中的类型列可用于定义和显示打印发票特定数据有关的命令。
通过数据菜单 → 列设置的命令来查看并显示文件类型列。

输入数据

一旦显示出了该列，您就可以输入数据了。您将需要：

• 在发票日期之后添加一个空行。
• 在日期列中输入发票的日期。
• 在文件类型列中输入所需的参数 (请参阅下表)。
• 在发票列中输入发票编号。
• 在摘要列中输入要显示在发票上的相关数据。

给客户开具发票

输入10：文件类型列将列出可用于自定义发票数据的所有可能选项。

中间总计

为了插入中间总计，您将需要在发生业务表中添加其它行：

• 在文件类型列中输入 10：从下拉菜单中选择 :tot，会显示 10:tot。选择并输入 :1
• 在摘要列中输入相对应的描述 (例如，总商品)
• 输入发票编号 (如果没有编号，则不会打印总计)。

含中间总计的发票示例。

付款条件的备选文字

可以将您自己的描述定义为每张发票的付款期限，这将替换现有文本作为到期日期。

• 在发生业务表中输入相同发票号的附加行。
• 您需要输入 10: 在文件类型列中并从下拉菜单中选择 :ter，选择 10:ter。
• 在摘要列中输入您的文字 (如30天净值，60天等)。

在打印发票时，将显示作为付款期限的指定值。

额外的自定义功能

在打印发票对话框中还提供了其它自定义的选项，例如定义银行详情或最后的问候语。

Mandatory requirements to use the layout preferences:

• Banana Accounting Plus (Release 10.1.7 or later).
• The Advanced plan

How to print a delivery note

In the Transactions table select the row where the delivery note to be printed is located and proceed as follows:

• Menu Report > Customers > Print invoices
• Select Layout CH10 or UNI11
• Under Print as, select:
  • Delivery note with amounts
    In this case, amounts in details and total amount are included in the delivery note.
  • Delivery note without amounts
    Only the details of the dispatched goods are displayed in the delivery note, without any amounts.
• Conferm with OK.

Delivery address

When printing the delivery note with an address other than the billing address, the delivery address must be entered in the Transactions table, using the Type column.

In this case, the delivery note will print the address entered in the Transactions table and not that of the respective customer, which is instead found in the Accounts table, Address view.

Printing customization

All settings that characterise Layout CH10 and UNI11 are also retained when printing the delivery note.

To change the settings, go to Print Layout Settings.

Under Texts > Delivery Note you can define the initial and final texts in the delivery note.

Print example:

Requirements in order to use layout preferences to select the label "Estimate" are

• Banana Accounting+ (version 10.1.7 or later).
• Advanced plan

How to print an estimate

In theTransactions table, select the row that corresponds to the estimate and proceed as follows:

• Menu Reports > Customers > Print invoices
• Select Layout CH10 or UNI11
• Select the option Print as, and choose Estimate
• Confirm with OK.

The offer is always printed without the Swiss QR bulletin.

Printing customization 

All the settings that characterize the CH10 and UNI11 Layout are also retained in the printing of the estimate.

To modify the settings, go to the Print Layout Settings.

In the Texts > Estimate section, you can define the initial and final texts of the quote.

In Banana Accounting Plus you can print reminders in two different ways:

• Print reminders from the Print reminders dialog
  • The reminder is based on the customer's open balance.
  • Function available in Banana Accounting Plus - any plan (excluding Free plan limitations).
  • Uses the Payment reminder (Banana+) Layout. The print is without QR payment slip.
  • Limited customizations.
• Print reminders from the Print Invoices dialogue
  • The reminder is created from the unpaid invoice.
    Do not use this mode if the customer account has a partial open balance that does not correspond to a specific invoice.
  • Requires the Banana Accounting + ( version 10.1.7 or more recent) and the Advanced plan.
  • Uses the CH10 Invoice layout (with QR code printing) and UNI11
  • Customizations provided by the layouts

The command Reports > Suppliers > Create payment file creates an XML message collecting information from payment data objects.

See How to create the payment file (pain.001)

The Reports→ Suppliers→ Scan QR-code command displays the Scan code dialog,which allows you to enter one or more QR codes and create the accounting entries and related payment files from these data.

We tested the functionality with the Datalogic QuickScan reader (more on scanner configuration). 

It is also possible to scan the QR-Codes with a mobile app, copy the data to the clipboard and paste them into the Banana Scan code dialog.  You can search for an app that scans QR codes and saves them to the clipboard in the Apple or Android store. Our company does not provide or publish any software of this type.

If you have multiple QR codes to scan, use the Next Scan button after each scan. 

If you are picking up a list of QR codes from the clipboard, they must be separated by semicolons, without adding spaces or line breaks (...EDP;SPC...).

To automatically retrieve the supplier's account number, you must correctly specify the supplier's name in the Organization column of the Accounts table, Address view. The text in the Organization column must exactly match the name indicated in the QR code.

Configure and Use QR Code Scanner

1. Configure and connect the scanner.
2. In Banana, select the command Reports > Suppliers > Scan QRCode (Ctrl+8) and place the cursor in the input field.
3. Press the button on the scanner.
4. The scan dialog will be automatically filled in.
5. Complete the process.

Configure and Use Mobile App

1. Install the mobile app, scan QR codes with the app, and save the data to the clipboard.
2. Transfer the saved text to your computer with Banana (e.g., via email or AirDrop).
3. In Banana, select the command Reports > Suppliers > Scan QRCode (Ctrl+8) and place the cursor in the input field.
4. Paste the copied text into the scan dialog.
5. Complete the process.

The command Reports > Suppliers > List of payment files display all payments included in payment files present in the Transaction table (Payment file). 

Payment List

To keep the company's accounting up to date, it is essential to regularly import bank transactions. These transactions allow the automation of the accounting process, avoiding the manual entry of individual transactions and potential errors.

Where to download the transactions

The documents containing the bank transactions, regardless of how they are obtained, should always be saved in the same folder. This folder can be located inside the main accounting folder or in an external one. For better organization, it is recommended to structure your folders by creating a general folder and more specific subfolders: this reduces the risk of errors, especially if you decide to import the transactions manually.

By keeping the data always in the same location, import issues are avoided and there is no need to update the default import path each time. Additionally, it is not recommended to open or modify these files before importing, as this can cause errors in recognizing the transactions.

Different file formats for bank transactions

Our software offers numerous extensions that allow you to import accounting data in different formats. Among the most common formats are CAMT, CSV and XLSX.

The CAMT format (Cash Management), defined by the ISO 20022 standard, is used by banks to provide electronic account statements in a structured way. The files contain detailed information such as the date, amount, description, and references for each transaction. There are several types of CAMT files:

• camt.052: intraday statement (transactions during the day)
• camt.053: end-of-day statement
• camt.054: notification of debits and credits with details of individual transactions

The CSV format (Comma-Separated Values) is a text file that uses commas to separate the data contained within individual cells of a table. This format is compatible with most software applications. The CSV format varies from one bank to another and is updated regularly.

The XLSX format is a Microsoft Excel file used to store spreadsheets. The XLSX file can contain data, formulas, formatting, charts, and multiple worksheets within the same document.
 

Methods for downloading transactions

The main methods for obtaining these data are:

• Online banking
• Multibanking
• Software by Mammut Soft Computing AG

Depending on the chosen method, more or less attention should be paid to where the files are saved. Manual download from the bank portal requires extra attention.

Online banking

The manual method, traditional and most common, involves direct access to your bank’s online banking portal. Once logged in, you can navigate to the section dedicated to account transactions and download the files in one of the standard formats compatible with accounting software.

Although simple, this process requires manual interaction: the user must log in to the banking platform, select the account, download and save the files on their computer, and then import them into the accounting software.

Multibanking

Multibanking is an evolution of traditional manual methods, designed for businesses or professionals managing multiple current accounts across different banks. Thanks to this functionality, you can access a single e-banking platform or interface that aggregates multiple accounts, even from different institutions, simplifying interactions with each bank. Most multibanking solutions are based on the international EBICS standard (Electronic Banking Internet Communication Standard), which ensures secure exchange of information and payment orders between companies and banks.

The main steps for implementing multibanking are:

• Update the contract with the main bank
  The first step is to contact your main bank to request activation of the multibanking service. You will need to sign an addition to the existing contract that authorizes the bank to act as the manager of multiple bank accounts.
• Sign mandates with the linked banks
  For each third-party bank you want to connect, you need to sign an authorization allowing the main bank to access the corresponding account information.
• Technical activation and credential provisioning
  Once the contractual steps are completed, you will need to follow technical instructions to enable access via API or third-party tools. This may include providing credentials or activating specific authentication methods.

Once all banking relationships are connected, it becomes possible to centrally download bank transactions and data, and process payment operations from a single tool. Although still partly a manual process, multibanking helps optimize time and resources by reducing the number of logins and simplifying overall management.

Software by Mammut Soft Computing AG

A more modern and fully automated solution is offered by the software developed by Mammut Soft Computing AG. Once implemented, this system allows you to completely skip the manual step of downloading bank files, as they are automatically saved in a folder defined during setup.

The software focuses on data exchange interfaces between banks and companies, offering connections to multiple banks worldwide and securely and automatically retrieving bank data in the required formats. These data are then automatically synchronized with the accounting software, making user intervention unnecessary.

The steps to start using the Mammut Soft Computing AG software are as follows:

• Choosing the solution
  Based on your needs, you can choose a cloud solution or an on-premise installation, the latter being a physical installation on the user's devices.
• Configuring bank connections
  To configure and activate the bank connections, it is necessary to sign the corresponding bank agreements. These connections with banks (EBICS, SWIFT, API) allow downloading account statements and sending payments. Mammut provides support for activation with the banks.
• Authorization for account access
  The client, for whom the accounting is managed, grants the accountant access to their data so that all necessary information is available.
• Integration with accounting/management software
  The software is connected to the internal accounting or management system for automatic import and export of bank data.

The true added value of the software is the constant update of the accounting: automated downloads from all banks and direct synchronization with the accounting system ensure that the data is always up to date and ready to use.

Automated import and accounting

Once transactions are available, you can take advantage of the various features offered by Banana. Regardless of the method chosen to download the bank data, the “Import bank transactions in ISO 20022 format (advanced) [BETA]” function allows you to automate the update of the accounting in double-entry or income/expense mode using CAMT files (052/053/054). The program reads the XML files from a designated folder, saves them to a local database, identifies new transactions not yet recorded, and suggests them for import, avoiding duplicates.

Once imported, bank transactions are automatically transformed into complete accounting entries thanks to our auto-completion rules (Advanced plan), saving time and avoiding input errors. This makes accounting faster, more efficient, and more accurate.

从往来账户或信用卡导入发生业务的步骤如下：

• 点击操作菜单 → 导入到账套的命令，在导入框中选择发生业务。
• 选择发生业务的格式 (ISO 20022, csv)。
• 点击浏览按钮，选择要导入的发生业务文件。

下面是对话窗，方便您更好地将数据集成到会计中。

目的账户

当从银行或邮政对账单或文本格式的账户进出记录中导入数据时，会出现这个选项。
输入与导入的对账单相关的会计科目表的银行账号。

选择发生业务

起始日期，结束日期

输入与恢复记录相关的期间的开始和结束日期。 可以使用日期下方的相应框自动选择期间。

如果存在相同的外部参考、日期、金额，则不导入

如果激活，该功能允许已经记录的动向不被导入，以避免重复记录。这个选项只有在 "外部参考文献 "一栏存在于要导入的动向 (文件) 中时才能激活，否则它将被禁用。

按日期排序

该选项默认处于激活状态，并允许按日期顺序导入发生业务。

完成业务

自动完成录入数值

该选项涉及增值税和多币种会计。如果激活，它允许您自动补全导入数据中缺少的值 (例如汇率表中的汇率)。

应用规则 (只适用于高级计划)

该选项仅适用于Banana财务会计+ 的高级计划和开发版本，激活了在导入时应用自动化规则的可能性。欲了解更多信息，请访问自动化规则的页面。

初始账户编码

当从银行或邮政对账单或文本格式的账户导入记录中导入数据时，会出现这个选项。
这是分配给导入的第一条记录的文件号。

按发票号码对发生业务进行分组

如果导入文件包含发票文件列的值，在对话框中也将包含以下选项：

• 按发票号码的组业务
  在这种情况下，同一张发票的行数被分组，以便同一账户和同一增值税代码只有一个发生业务 (详见导入发票数据的英文页面信息)。
• 目的账户余额差
  在使用增值税代码时，有可能存在几百分之一四舍五入的差额。
  在这种情况下，Banana财务会计软件会为每张发票创建一个额外的发生业务，用来记录差额。
  显然，必须注意为导入提供的数据在借方和贷方之间的余额。否则，发生业务行会包含借方和贷方之间的差额。

编辑导入的发生业务

软件会创建发生业务并将其添加到发生业务表的末尾。
可以编辑或删除发生业务。
在复式记账中，在应付账款和应收账款列中，以及在收益&费用记账中，在账户和科目列中，软件会输入符号。
符号必须被替换成适当的账户或科目。

• [A]
  如果对话框中没有指出任何账户，则显示此符号。
  必须输入银行账户中的账户，而不是符号[A]。
• [CA]
  这个符号表示必须在单元格中指明对应的账户，以便借方动向与贷方动向相抵消。

对于只有一个对应方的行，在同一行上同时存在交易对手的账户或代码 [A] 和代码 [CA]。
对于有一个以上对应方的行，每一行都会有账户或对应方符号[CA]。如果不标明符号[CA]，就不可能分辨出该动向是借方还是贷方。

Banana Accounting Plus allows the import of bank transactions in various formats. 
The ISO 20022 format is an international standard that should now be provided by all European banks. This format may also be called ISO xml, xml, camt.053, camt.054 or other names. Importing bank transactions in ISO 20022 format is possible in two ways:

Generic manual ISO20022 import

Manual import of transactions one file at a time - available with the Professional plan.

• The user downloads the ISO 20022 file from their bank and saves it in a folder on their computer.
• Then, from Banana, they manually import this file. 

This import is made possible by the extension Bank Statement Camt ISO 20022 Switzerland (Banana+) for Switzerland and a generic filter distributed with the application for other countries.
The import must be repeated manually each time.

Advanced ISO20022 import [Beta]

Advanced import of transactions from multiple files simultaneously - available with the Advanced plan.
It significantly speeds up the workflow because the user no longer needs to check for which periods transactions need to be imported.

• The user defines a folder containing ISO 20022 files from different bank accounts.
• In Banana, with a command, the program notifies if there are new transactions to be imported.

This new advanced import function is made possible by the extension Swiss Camt ISO20022 Reader.

Requirements

• Use of Banana Accounting Dev-Channel with the Advanced plan.
• Use of a Double-entry accounting or Income & Expenses system.
   

现金动向可以通过现金日记账与主会计文件分开管理。定期将现金流动情况导入主会计文件，并根据选定的时期进行分组。

在这种情况下，会有两个单独的文件:

1. 一个包含一般会计文件数据的文件 (包括现金账户)
2. 以及另一个只包含现金日记账管理数据的文件。

为了将现金数据整合到主会计文件中，必须在主会计文件和现金日记账之间建立一个链接。
可以通过以下两种方式进行 :

• 在现金日记账文件中，赋予科目账户与主会计文件账户相同的数字 (复式记账或收益&费用核算)。

• 在科目2的列 (科目表) 中输入在主会计文件中对应的科目。
  如果科目2的列栏尚不存在，必须通过数据菜单 → 列设置的命令来显示。

设立内部转账账户

在将现金数据导入会计文件的时候，需要进行一定的设置，以保证主会计的现金账户与从现金日记账文件中导入的业务之间不存在支付业务的会计分录重合。

在主会计账套中:

• 在账户表格中，输入内部转账账户。

在现金日记账的文件中：

• 在科目表格中，科目列在收入的组中，输入内部转账账户 (与主会计中设置的数字相同) 作为从银行或邮政往来账户付款的科目。
• 另外，在科目表格中，科目2列在收入的组中，输入内部转账账户。
  在这种情况下，在科目列中设置了一个科目来确定银行的付款。位于科目2列中的内部转账账户，在将业务导入主分类账时建立链接。

从银行账户到现金账户的付款

每当从银行账户向收银台付款时，该动向都记录在主会计文件和收银机文件中。为了避免从收银台导入数据时会计条目重叠，需使用内部转账账户。

• 如果已在科目2的列中设置了转账账户，则使用转账账户作为科目或从银行账户进行支付的科目，将资金的收款记录在现金登记文件中。
• 资金流出记录在主会计文件中，银行账户记入贷方，内部转账账户记入借方。

将现金登记数据导入主会计文件时，将重置转账账户。

导入现金登记数据

• 打开主要的会计文件
• 点击操作菜单 → 导入账套的命令
• 在出现的对话框中，点击导入 → 选择发生业务选项 → 选择现金日记账分录 (*.ac2)
• 然后使用浏览键来选择现金日记账文件。

您可以在导入到账套页面上找到关于下列窗口的更多信息。

在会计账套中

目的账户

您必须选择现金的账户号，其存在于复式记账或收益&费用核算中，其中的变动要被导入。

初始账户编码

可以输入一个初始单据号，该单据号将归属于第一笔输入的发生业务。在随后的记录中，程序会自动分配一个递进编号，从输入的初始编号开始。
如果您不希望自动分配累进编号，请将该框留空。

选择动向

开始日期/结束日期 (包含在内)

输入导入的发生业务所涉期间的开始和结束日期。

组的动向

通过激活其中一个选项，可以选择如何对该时期的动向进行分组。

• 没有期间分组所有行及其列内容均被导入。现金登记文件相应列中存在的记账凭证号也会被导入。
• 如果要在会计中使用其它编号并同时保留文件的原始文档，请在现金日记账中将文档插入到议定书文件的列中。
• 月度 - 发生业务按月进行分组。
• 季度 - 发生业务按季度进行分组。
• 半年 - 发生业务按半年进行分组。
• 每年 - 发生业务按年分组。

一项业务一个账户

如果一个以上的科目被分组在单一账户内，但是用户需要为每个科目分离业务，那么此单元格必须被激活; 然后程序会为每个科目创建发生业务。当增值税码被使用的时候，发生业务不仅会被科目所创建，也会为在同一科目中的每个不同的增值税码所创建。

请注意

当用户在使用含增值税的会计文件时，增值税的计算可能会略有不同。如果发生业务金额作为净金额被插入，现金账户的余额也可能会因为四舍五入而不同。

会计文件随零用现金的数据更新。

在PayPal的业务发生过滤器网页，可以看到关于介绍新功能的信息，该新功能可以将所有的PayPal发生业务直接导入到 Banana财务会计软件中，并对如何操作做了说明 (如下)。

我们已经为复式记和多币种记账准备了特定的预定义模板，用户可以将其作为示例查看，或将其作为仅由PayPal发生的会计业务而使用的独立会计文件。

更多的关于导入过滤器所有类型的信息，请参阅导入过滤器页面。

• BananaApp (应用程序) 用于导入PayPal发生业务 - 如何操作 (英文)
• 复式记账会计示例 (英文)
• 多币种记账会计示例 (英文)

了解更多

• 复式记账
• 多币种记账
• 导入过滤器 - 完整列表

The following explains the procedure for how Rules work and how they are applied.
The process can be summarized in three steps:

1. Import bank transactions into the Transactions table.
2. Create the rules.
3. Apply the rules for the automatic completion of transactions.

1. Import bank transactions

When bank transactions are imported, the program inserts a temporary counteraccount [CA]. Typically, the completion of contra accounts must be done manually for each entry.

In the example figure, in the Transactions table, it can be seen that:

• (1) - The cells have the same temporary contra account, related to sales via Twint.
• (2) - The cell has a temporary contra account related to monthly expenses for May.
• (3) - The cell has a temporary contra account related to Swisscom telephone expenses.
• (4) - The cell has a temporary contra account related to insurance costs, policy number 892-948.
• (5) - The cell has a temporary contra account related to insurance costs, policy number 987-650.

2. Creating the Rules

The Rules are used to automatically complete all temporary contra accounts of imported transactions, adding VAT codes, cost centers, links, and more. 

The rules are template transactions that are already complete, found in the Recurring transactions table, where:

• The Description column contains the text (one or more keywords) that the imported transaction must include.
• The Debit Account and Credit Account columns contain the Contra account that will replace the temporary one.

We have created a system that provides different methods for creating the Rules:

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

Regardless of the method used, the created Rules are saved in the Recurring Transactions table.

In the example, in the Recurring Transactions table, a Rule has been created for the following transactions:

• (1) - For the "Twint" transactions, the rule replaces the temporary contra account with the "Sales" account. The VAT code has also been added.
• (2) - For the "Interac Electronics" transaction, the rule replaces the temporary contra account with the "Goods" account. The VAT code has also been added.
• (3) - For the "Swisscom" transaction, the rule replaces the temporary contra account with the "Admin" account.
• (4) - For the "Best insurance" transaction with policy number "892-948", the rule replaces the temporary contra account with the "Insurance Health" account.
• (5) - For the "Best insurance" transaction with policy number "987-650", the rule replaces the temporary contra account with the "Insurance Car" account. 

Important: where there is a contract number, a policy number, a customer number, etc., it is recommended to add a "+" in front of the rule. The + allows the rule to search for individual words (or sequences of numbers) regardless of their position within the description of the imported transaction.

3. Applying the Rules for Automatic Completion (Result)

In the Transactions table, the program completes the imported transactions by adding the contra account, VAT code, etc., regardless of the method used for creating the Rules.

In the example, in the Transactions table, the imported transactions have been automatically completed:

• (1) - For the "Twint" transactions, the temporary contra account has been replaced with the "Sales" account and completed with the VAT code.
• (2) - For the "Interac Electronics" transaction, the temporary contra account has been replaced with the "Goods" account and completed with the VAT code.
• (3) - For the "Swisscom" transaction, the temporary contra account has been replaced with the "Admin" account.
• (4) - For the "Best insurance" transaction with policy number "892-948", the temporary contra account has been replaced with the "Insurance Health" account.
• (5) - For the "Best insurance" transaction with policy number "987-650", the temporary contra account has been replaced with the "Insurance Car" account.

Additionally, the program recognizes the transactions with the VAT code and completes all the columns related to VAT (VAT account and amounts).

One of the methods for creating Rules is from the Apply Rules dialog. The main advantages are as follows:

• You can see all imported transactions.
• The imported transactions are divided into incoming and outgoing transactions, with Rules and without Rules.
• For each group of identical transactions, the Rule being applied is shown in bold.
• Rules that are duplicated or in conflict are highlighted.
• You can add new rules and modify or delete existing ones.
• By changing the conditions of a Rule (description, amount, account), you can immediately see the list of transactions that comply with it.
• You can decide which rules to activate and which to deactivate.

Below is the complete procedure for creating Rules from the Apply Rules dialog.

1. Give the command Import into accounting

Before accessing the Apply Rules dialog, you must first import bank, postal, or other transactions as follows:

• Use the command from the Actions menu  > Import into accounting > Transactions
• Select the appropriate format and indicate the path where the file with your bank statement data is located
• In the dialog that opens:
  • Enter the account related to the statement from which you are importing the transactions (bank, postal service, etc.).
  • Specify the start and end dates for the period of the transactions to import.
  • Indicate the temporary contra account if you want it to be different from the default "[CA]".
    You can use any account, and if you write it in square brackets, it will not be accounted for.
  • Activate the Apply Rules option (available only with the Advanced plan of Banana Accounting Plus).
  • Confirm with OK.
     

 2. Dialogue Apply Rules

The program opens the Apply Rules dialog. 

In this dialog, you will find:

• The temporary contra account you entered previously or the default one "[CA]".
• The bank account entered, where all transactions imported from your bank or postal account are recorded.
• The imported transactions from the bank account, divided into:
  • Incoming transactions without rules (Money In without rules).
  • Outgoing transactions without rules (Money Out without rules).
  • Incoming transactions with rules (Money In with rules).
  • Outgoing transactions with rules (Money Out with rules).

3. Create new rules

To create new Rules: 

• Position yourself on one of the transactions for which you want to create a rule.
• Go to the right-hand side until you see  "...".
• Click on Add New Rule.

The Add Rule - Edit Rule dialogue appears.

In this dialog, you need to enter:

• In the Description, the text (keyword) that the program uses to find the matching Rule in the imported transactions.
  Example:
  • Best Insurance Contract 892-948
    applies to lines that contain exactly the specified text.
  • +Best Insurance Contract 892-948
    applies to lines that contain the words "Best Insurance" and "892-948" in any position.
• The contra account, used to replace the temporary contra account.
• Any other information (Cost centers, VAT codes, etc.).

Important: where there is a contract number, a policy number, a customer number, etc., it is recommended to add a "+" in front of the rule. The + allows the rule to search for individual words (or sequences of numbers) regardless of their position within the description of the imported transaction.

The program shows the transactions found based on the entered conditions to which the new rule will be applied. In the example, we have a single transaction.

• Confirm with OK.

4. Confirm Apply Rules

In the Apply Rules dialog, you will see:

• The row of the created Rule ("NEW") where the data of the temporary counteraccount [CA] and the other information entered in the rule are indicated.
• Below are the lines of the transactions to which the rule has been applied.

You can decide when to execute the Apply Rules command:

• You can apply the rules selectively and continue working on the others.
• You can exit the dialog and return later.
• You can cancel the operation of applying the rules and repeat it later.
• The Apply Rules command also saves any changes you made to the rules.

By clicking on the buttons:

• Apply Rules:
  • The program adds the new Rules to the Recurring transactions table.
  • The program completes the transactions in the Transactions table.
  • The dialog remains open so you can add the rules to the other transactions.
• OK
  • Confirms the applied rules and closes the dialog.
     

Undo changes made

Once the dialogue is closed, you will see the completed transactions in the Transactions table.
If you wish, you can undo the changes you have made:

• Menu Edit > Undo edit
• With the Cancel button (green arrow).

To also cancel the import of the data, you need to repeat the Cancel command a second time.

Complete other transactions with Temporary contra account

After importing bank transactions, the aim is to complete all transactions so that there are no more transactions with Temporary contra accounts [CA].

You can manually complete the remaining transactions. This is useful for special cases that do not tend to repeat.

You can create new rules by chosing one of the following methods:

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

Adding information to completed transactions with rules

It is possible to add supplementary information to the Rules through the Recurring Transactions table.

One of the methods provided for creating Rules is from the Transactions table. The main advantages are as follows:

• You work directly in the Transactions table that you already use regularly. You are already familiar with the table.
• You see all the columns.
• You create Rules simply by completing the imported transactions.
  You complete the transactions manually only the first time when creating the Rules. For subsequent imports, the program applies the already created Rules to the new imported transactions.
• Speed in creating Rules.
  Select the rows with completed transactions and, with a single click, create all the rules in the Recurring Transactions table. You only need to modify the description of each rule to ensure a precise match for future transactions.
• You do not need to insert Rules through additional dialogs.
• You do not need to manually enter all the Rule data in the Recurring Transactions table.

Below is the complete procedure for creating Rules from the Transactions table.

Import transactions

In the Transactions table, import transactions from bank, postal, or credit card statements.

Complete the imported transactions

For each imported transaction, enter the counterpart, VAT code, cost center, or other information.

When you import a transaction that needs to be recorded on multiple lines, the program inserts a single entry with the total amount and a temporary counterpart [CA].

Proceed as follows:

• Remove the temporary counterpart account [CA] from the transaction.
• Insert new rows following the transaction. For each row, enter the complete transaction with description, counterpart, amount, any VAT code, and cost center.
  
  

Create Rules

Starting from the completed transactions, you can create Rules:

• Select from the Transactions table the entries to which you want to apply Rules.
• Right-click on a transaction without rules > Create rules from selection.
  Alternatively, go to the Actions menu > Recurring Transactions > Create rules from selection.
  
  

All selected transactions are transferred to the Recurring Transactions table, exactly as they were completed in the Transactions table.

How to complete the Rules

In the Recurring Transactions table, you need to complete the Rules:

• Edit the Description column.
  Modify the text of the description to search for in the transactions from the imported bank statement. Initially, the program automatically uses the description found in the imported transaction.
  Replace this text with one or more keywords so that the program can find matches in the description of the imported transaction (e.g., +Best Insurance).
  See also Condition on Description
• Debit and Credit Account Columns
  The Debit and Credit columns show the counterpart and the imported bank account.
  • First, check whether the indicated counterpart is already the desired one; if not, update it accordingly.
  • The main import account, used to identify matching transactions, must not be marked as a commented account (account enclosed in square brackets).
    If the account matches the bank's main account from which the transactions are imported and is marked as a commented account, the brackets must be removed, otherwise the rule will not be applied correctly.
    This may happen with detailed transactions imported from the statement for which no specific rules exist yet.
  • Alternatively, you can remove the main import account and leave only the counterpart. In this case, the rule will be applied based on the Description column (match with the transaction description) and will be valid for all imported bank accounts.
• For multi-line transactions, edit the Doc column.
  In the first row of the transaction, enter empty square brackets [] in the counterpart column.
  In subsequent rows, enter !RuleSplit in the Doc column (see rows 7,8,9 in the image below).
  
  

The explained procedure only needs to be performed the first time to set up the Rules. For future imports, the Rules found are applied automatically. You only need to complete the new imported transactions without a rule using the same procedure.
To find all imported transactions in the Transactions table that do not have a rule, you can use the Row filter function, entering the text "[CA]".

The rules can be accessed via the command Actions > Recurring Transactions > Transactions table.

• Rule rows are those that contain !Rule or !RuleSplit in the Doc column.
• In rule rows, the columns have a different meaning:
  • Condition Columns
    Contain the values to be compared to determine whether the rule should be applied.
    The condition columns are: Doc, Date, Description, Account Debit/Credit, Amount.
  • Action / Substitution Columns
    Contain the values that will be applied and complete the imported transactions.
    All columns that are not used as condition columns are considered substitution columns.

Condition columns 

Condition columns (or search columns) contain the data used to search for matches in the imported transactions.

• Doc column (required)
  • Must contain !Rule or !RuleSplit
    • !Rule indicates it is a rule.
    • !RuleSplit indicates that the rule above must also create split transactions.
• Description column (required)
  • The Description column must contain the text to be searched in the description of imported transactions.
  • When a description begins with text in square brackets, it is used as the rule name. The rule name is optional and can be used to better identify rules.
• Account column (recommended)
  • In double-entry accounting: use the Debit column (to filter incoming transactions) or the Credit column (to filter outgoing transactions).
  • In income and expense accounting: use the Account column.
  • This is usually the bank account from which the transactions are imported.
• Date column (optional)
  • Limits the application of the rule to a specific period of the transactions.
• Amount column (optional)
  • Limits the application of the rule to a specific amount or range of amounts.
  • In income and expense accounting: use the Income (incoming transactions) or Expense (outgoing transactions) column.

Substitution Columns 

Substitution columns must be filled in with additional information.

• DocLink column
• Contra Account column
  Enter the contra account that replaces the temporary contra account [CA] or the temporary contra selected in the Apply Rules dialog.
  • In double-entry accounting: use the Credit column (for incoming transactions) or the Debit column (for outgoing transactions).
  • In income and expense accounting: use the Category column.
• VAT Code column
  Enter the VAT code to be applied to the imported transaction.
  The program automatically completes all VAT-related columns.
• Cost Centers (CC1, CC2, CC3) columns
  Specify the cost center to assign to the imported transaction.
• Notes column
  Enter any additional information to be included in the imported transaction.
• Other columns
  All columns that are not condition columns, except ExternalReference, are considered substitution columns.
  ExternalReference is a reserved column used by the bank import to identify each transaction and prevent duplicates.

The DocLink column

In this column, it is not possible to insert a specific link to a document because each transaction will have its own document. However, you can add an annotation in square brackets (e.g., "[Doc]") to distinguish the rows that need to be associated with a digital document.

Once the transactions are imported, it may be necessary to link them to accounting documents. To speed up this process, it is recommended to proceed as follows:

• In the DocLink column of the Recurring Transactions table, use text enclosed in square brackets [ ].
• Within the square brackets, enter the text that should be searched for in the name of the supporting document file.
  
  
   
• In the Transactions table, the transactions are imported with the text in square brackets in the Link column.
  
  
   
• In the Transactions table, use the Row Filter function and enter the text "!link![ ]". This will display all the rows in the Link column that contain square brackets where a link to the supporting document needs to be added.
• When editing the Link column in the Transactions table, the program will show, in the auto-completion, the files of supporting documents that have not yet been linked to a transaction and contain the text entered between the square brackets.
  For example, if you enter "[invoice]," the program will display all the unlinked files containing the text "invoice" in the cell.

Quick search and completion of transactions

It is possible that after importing transactions with the Rules, some transactions may need to be manually completed with additional information.

To quickly find the transactions that need to be completed, you can use one of the following methods:

• Using the Notes Column
  To quickly locate the transactions that need to be completed, we recommend adding temporary search texts that can be used to filter the transactions. For example:
  • In the Notes column of the Recurring Transactions table, or in any other column of the Rule row (except for those predefined for the Rule), enter a hashtag, such as #city.
  • In the Row Filter function of the Transactions table, enter the same hashtag. This will display the rows that you need to complete.
• Coloring Rule Rows
  You can color the Rule rows in the Recurring Transactions table. The row color will be transferred to the Transactions table and used to highlight the transactions to which the rule is applied.
  To identify only the colored rows, you can use the Row Filter function by entering the text "!_co!"

Split row transactions

Normally, when you import transactions from a bank statement with the Rule, a single counterpart account is recorded. If the total amount of the counterpart needs to be split across multiple counterpart accounts, you can create a multi-row Rule.

For example:

• You regularly receive a payment of 550 that must be recorded on three different accounts and therefore on three rows:
  • (550) rent collection (no contra-account, as this involves recording the global amount split over three rows)
  • (500) flat rent (contra account rent)
  • (50) extra expenses (contra-account for extra expenses) .

To create a multi-row Rule:

• The first row corresponds to the total amount collected.
  • In the Doc column, enter the text !Rule.
  • In the Description column, enter the text to search for in the imported transactions.
  • In the counterpart column, enter square brackets [].
• In the following rows:
  • In the Doc column, enter the text !RuleSplit.
  • In the Description column, enter the text to search for in the imported transactions.
  • In the counterpart column, enter the counterpart accounts.
  • In all other columns, input the values that should be included in the additional rows. In this example, we have added the tenant’s Cost Center.
    In the following example, you can see the tenant’s Cost Center.

In the example of a multi-row rent transaction, it is assumed that the collected amount is always 550. If the collected amount is different from 550, the transaction will need to be completed manually. 

Modifying rules in the Recurring Transactions Table

All completion Rules saved in the Recurring Transactions table, even if they were created from the Apply Rules dialog, can be modified, deleted, or new ones can be created in anticipation of a future import without a Rule.

Set a different description from the imported one

All imported transactions display the description from the bank statement in the Description column of the Transactions table. Typically, these descriptions are very detailed.

It is not possible to automatically change this description at the time of import.

If you wish to change the imported description, you can use the Notes column in the Recurring Transactions table.  
Note: if the Notes column is already used for your own annotations, it cannot be used to modify the description.

If the Notes column is not being used, proceed as follows:

• Display the Recurring Transactions table.
• Make the Notes column visible by going to the menu Data > Columns set up > check the Notes column.
• In the Notes column, enter the description text that you want to appear in the Transactions table (Description column).
  Repeat this step for each desired transaction.
  
  
   
• Import the transactions
• After importing into the Transactions table, make the Notes column visible (menu Data > Columns setup > check the Notes column)
  The Notes column will display the notes defined in the Recurring Transactions table.
  
  
   
  • For each transaction, copy the content from the Notes column and paste it into the Description column.
    
    

In the Recurring Transactions table, it is not possible to directly add custom columns. 

To use a custom column in the Recurring Transactions table, you need to add the custom column to the Transactions table.

Once the column is added to the Transactions table, it will also be visible in the Recurring Transactions table and can be used to set a different description from the imported one.

Therefore, the insertion procedure is the same as described in the section Set a Different Description from the Imported One - Notes Column.

Create a new year with rules

When you create a new year using the command Actions > Create New Year, the existing Rules in the Recurring Transactions table are automatically carried over to the new year's file.

Accounting with the same rules

If you manage several similar accounting files (for example for clients with similar characteristics), it can be useful to reuse rules that have already been created, avoiding rewriting them every time.

When the accounting files have the same chart of accounts, or at least a compatible structure, you can copy the Recurring transactions from one file to another.

How to copy the rules

• Open the source file (the one that contains the rules to be reused).
• Display the Recurring transactions table using the command
  Actions > Recurring transactions > Recurring transactions table.
• Select the rows you want to copy.
• Use the Copy rows command, Edit > Copy rows.
• Open the destination file and display the Recurring transactions table.
• Paste the rules using the command Edit > Insert copied rows in the Recurring transactions table.

You can also create a dedicated accounting file, used as a rule library.
In this way, when you create a new accounting file, you can easily copy the necessary set of rules and paste it into the destination file.

The rule conditions are criteria that define when a completion rule should be automatically applied to a transaction.

They are set during the creation or editing of a rule in the Apply Rules dialog, or directly in the Recurring Transactions table.

The conditions may refer to the Description, Account, Amount, and Date.

A rule is applied only if all the set conditions are met. If even a single condition is not fulfilled, the rule will not be executed. Empty conditions are ignored.


 

Condition on Description

Enter a word or short phrase as a keyword to identify transactions to be automated, based on the text shown in the Description column of the bank statement.

Banana Accounting automatically compares the description text of each transaction with the one specified in the rule and, if it finds a match, applies the associated rule.

To achieve more effective results, it is advisable to use only a few representative keywords (for example, the supplier or service name), so that the rule matches multiple similar transactions.

The search texts can be entered in several ways:

• Exact word or phrase
  • For example, if you enter "Best Insurance 982-948", the program searches imported transactions that contain exactly "Best Insurance 982-948".
  • If you only enter "Insurance", the program searches imported transactions that contain the word "Insurance".
• All words in any order (+ at the beginning)
  • If you enter "+Best Insurance 892-948", the program searches imported transactions that contain the words "Best", "Insurance", and the number "892-948" in any order.
  • All words must be present in the transaction description, but the order is not relevant.
  • The "+" symbol is not considered in the search.

Important: where there is a contract number, a policy number, a customer number, etc., it is recommended to add a "+" in front of the rule. The + allows the rule to search for individual words (or sequences of numbers) regardless of their position within the description of the imported transaction.

• List of words (using |)
  • If you enter "coffee|restaurant", the program searches imported transactions that contain the word "coffee" or "restaurant".
    This method is useful to identify multiple categories without creating separate searches.
• Uppercase and lowercase
  • The search does not distinguish between uppercase and lowercase letters. The entered text will be applied regardless of case.
    All text entered in the Description is displayed in the Description column of the Recurring Transactions table. 

Warning: Do NOT use the entire text from the bank statement as the description, because it is unique for that transaction.

Condition on Account

• Enter the account from which the transactions are imported (bank, post, etc.).
• The program records in Debit or Credit depending on the imported transaction.
• The program automatically posts to Debit or Credit based on the transaction type.
• If the Account field is left empty, the rule applies to all accounts that meet the description condition.

Condition on Amount (or Currency Amount)

• Allows applying a rule only when the transaction has a specific amount.
• Alternatively, if the exact amount is not known, you can define a range of amounts by specifying a minimum, maximum, or a specific interval in which to apply the rule.
  • Available from version 10.2.3 of Banana Accounting Plus (Dev Channel)
  • The condition must:
    • start with the symbol !
    • be enclosed in square brackets [ ]
    • use the unformatted amount, that is, without thousand separators and with a period as decimal separator
      (other formats are not recognized)
    • The operators that can be used are greater >, less <, greater or equal >=, less or equal <=, not equal <>
  • Example: to select transactions with amount greater or equal to CHF 1'000.00:
    [!>=1000.00]

The image shows the Apply Rules dialog where you can select the Amount field and define a number range (in this example, account 1510 Furniture and Fixtures is applied to transactions with the description equal to 'Office supply purchase' and amount greater or equal to CHF 1'000).
Using this filter is useful when assigning different counterpart accounts based on the transaction amount.

Examples of conditions applicable to the Amount column

Condition on Date

Starting from version 10.2.3 of Banana Accounting Plus (Dev Channel) you can apply a rule to transactions that fall within a specific period (for example, only transactions from January).

How to proceed:

• Add a new rule as explained on the page Apply Rules Dialog - Add Rule
• Select the Date field
• Enter the filter condition in the Comment field.
  The condition must:
  • start with the symbol !
  • be enclosed in square brackets [ ]
  • use the date in ISO format YYYY-MM-DD
    (other formats are not recognized)
• Example: to select transactions with dates equal or before April 1st, 2025:
  [!<2025-04-01]
   

The image shows the Apply Rules dialog where you can select the Date field and define a date range (in this example, it is applied to transactions before April 1st, 2025).
Using this filter is helpful when differentiating processes by month, quarter or year — for example, if a specific VAT code applies until a certain date and a different one after that, such as when switching to a new VAT method.

Examples of conditions applicable to the Date column

How to define conditions in the Recurring Transactions table

Conditions can be entered directly in the Recurring Transactions table using the same syntax explained in the previous sections.

Rule weight and conflict resolution

The weight of an autocomplete rule is determined by the number of conditions defined in the rule itself. The greater the number of specified conditions, the greater the weight assigned to the rule.

When multiple rules apply to the same transaction, Banana Accounting selects the rule with the highest weight, considering it more specific. This makes it possible to define generic rules and more detailed rules; in the event of a conflict, the more specific rule is always applied.

For example, the Recurring transactions table may contain the following rules:

If a transaction with the description "Credit Fratelli Bernasconi" is imported into account 1030, both rules apply. However, the second rule has a higher weight because it contains an additional condition on the DebitAcc field. Since it is more specific, it is applied with priority over the first rule.