AI Financial Reconciliation · UK · FCA-Aware · Fixed Price

AI Financial Reconciliation UK —
97%+ Auto-Match. FCA Audit Trail.

UK finance teams spend days every month manually reconciling bank statements, payment gateway settlements, and investment positions. XPndAI builds custom AI reconciliation that auto-matches 97%+ of transactions, routes exceptions to your team with suggested resolutions, and produces FCA-compliant audit trails — at fixed prices 60% below UK FinTech consultancies.

UK BANKS SUPPORTED:

BarclaysHSBCNatWest LloydsSantander UKMonzo Business StarlingMetro BankTSB
97%+ auto-match
FCA audit trail
CASS compliant
$15K starting
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💬 Response within 12 hours. Fixed-price proposal.

Reconciliation Types

Bank-to-Ledger Reconciliation

AI matches bank statement transactions (MT940, CAMT.053, CSV) against your accounting ledger (Sage UK, Xero, QuickBooks UK, IRIS, NetSuite, SAP). 97%+ auto-match. Exception queue with suggested GL coding for unmatched items.

Multi-Gateway Payment Recon

Reconciles settlement files from Stripe, Adyen, Worldpay, Braintree, PayPal, Checkout.com, and Klarna against your orders or invoices. Handles multi-currency, refunds, chargebacks, and gateway fees. Daily or real-time.

CASS Client Money Reconciliation

Daily internal and external reconciliation of client money accounts per CASS 7/CASS 7A requirements. AI produces the reconciliation statement in FCA-expected format with full audit trail. Flags any shortfall or excess for immediate action.

Investment Portfolio Reconciliation

Reconciles fund manager records against custodian statements (positions, NAV, corporate actions, income). Identifies breaks by position, value, and accrual. Designed for fund administrators, wealth managers, and family offices.

Intercompany Reconciliation

Reconciles intercompany balances across UK group entities. AI matches intercompany invoices, loans, and transfers, flags mismatches between entity books, and supports group consolidation in Sage Intacct or Xero HQ.

FCA Audit Trail & Reporting

Every reconciliation decision is logged: match rule used, confidence score, exception reason, and reviewer. Produces daily reconciliation summary reports in PDF. Immutable audit log meets SYSC 9 and CASS record-keeping requirements.

Pricing

Core Recon AI
$15K–$35K
One reconciliation type (bank-to-ledger or payment gateway) with exception queue. 4–7 weeks.
Full Recon Platform
$40K–$90K
Multi-type reconciliation + FCA audit trail + daily reporting + ERP write-back. 10–14 weeks.
Enterprise
$90K–$200K
CASS, investment portfolio, multi-entity, real-time recon, SOX/FCA controls. 4–6 months.

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