{"id":25082,"date":"2026-09-23T11:39:03","date_gmt":"2026-09-23T09:39:03","guid":{"rendered":"https:\/\/business-one-consulting.com\/?post_type=wissen&#038;p=25082"},"modified":"2026-09-23T16:26:42","modified_gmt":"2026-09-23T14:26:42","slug":"kontoauszugsverarbeitung-in-sap-business-one","status":"publish","type":"wissen","link":"https:\/\/business-one-consulting.com\/en\/wissen\/sap-business-one-bank-statement-processing\/","title":{"rendered":"Bank statement processing in SAP Business One \u2013 how to set it up and use it correctly"},"content":{"rendered":"<div id=\"gap-947610107\" class=\"gap-element clearfix\" style=\"display:block; height:auto;\">\n\t\t\n<style>\n#gap-947610107 {\n  padding-top: 30px;\n}\n<\/style>\n\t<\/div>\n\t\n\t<div class=\"img has-hover x md-x lg-x y md-y lg-y\" id=\"image_1702013771\">\n\t\t\t\t\t\t\t\t<div class=\"img-inner dark\" >\n\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1672\" height=\"941\" src=\"https:\/\/business-one-consulting.com\/wp-content\/uploads\/2026\/09\/kontoauszugsverarbeitung-sap-business-one-header.png\" class=\"attachment-original size-original\" alt=\"Bank statement processing in SAP Business One with digital bank statements\" srcset=\"https:\/\/business-one-consulting.com\/wp-content\/uploads\/2026\/09\/kontoauszugsverarbeitung-sap-business-one-header.png 1672w, https:\/\/business-one-consulting.com\/wp-content\/uploads\/2026\/09\/kontoauszugsverarbeitung-sap-business-one-header-900x507.png 900w, https:\/\/business-one-consulting.com\/wp-content\/uploads\/2026\/09\/kontoauszugsverarbeitung-sap-business-one-header-1300x732.png 1300w, https:\/\/business-one-consulting.com\/wp-content\/uploads\/2026\/09\/kontoauszugsverarbeitung-sap-business-one-header-600x338.png 600w, https:\/\/business-one-consulting.com\/wp-content\/uploads\/2026\/09\/kontoauszugsverarbeitung-sap-business-one-header-768x432.png 768w, https:\/\/business-one-consulting.com\/wp-content\/uploads\/2026\/09\/kontoauszugsverarbeitung-sap-business-one-header-1536x864.png 1536w, https:\/\/business-one-consulting.com\/wp-content\/uploads\/2026\/09\/kontoauszugsverarbeitung-sap-business-one-header-18x10.png 18w\" sizes=\"auto, (max-width: 1672px) 100vw, 1672px\" data-attachment-id=\"25085\" \/>\t\t\t\t\t\t\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\n<style>\n#image_1702013771 {\n  width: 100%;\n}\n<\/style>\n\t<\/div>\n\t\n\t<div id=\"gap-1151176310\" class=\"gap-element clearfix\" style=\"display:block; height:auto;\">\n\t\t\n<style>\n#gap-1151176310 {\n  padding-top: 30px;\n}\n<\/style>\n\t<\/div>\n\t\n<div class=\"wissen-compare\"><div class=\"wissen-compare__col\"><ul class=\"wissen-checklist\"><li>Bank files can be imported electronically and used as a basis for incoming and outgoing payments.<\/li><li>The function is activated once under Administration \u2192 System Initialization \u2192 Company Details \u2192 Accounting Basics.<\/li><li>Main bank accounts, general ledger accounts, internal and external bank codes, and reconciliation criteria must be set up in advance.<\/li><li>Imported bank statement lines initially appear as parked documents and are checked before posting.<\/li><li>Up to three search rounds can assign open items based on criteria such as invoice number, amount, or customer number.<\/li><li>Bank statements must be imported and processed in chronological order.<\/li><li>camt.053 is the current ISO 20022 standard; the continued availability of MT940 depends on the individual bank.<\/li><\/ul><\/div><\/div>\n\t<div id=\"gap-1697091158\" class=\"gap-element clearfix\" style=\"display:block; height:auto;\">\n\t\t\n<style>\n#gap-1697091158 {\n  padding-top: 30px;\n}\n<\/style>\n\t<\/div>\n\t\n<p>The <strong>Bank statement processing in SAP Business One<\/strong> It reduces manual effort in banking: bank files are imported electronically, transactions are recognized based on predefined rules and compared with open items.<\/p>\n<p>This guide shows, <strong>how to set up the function and use it in daily business<\/strong>. You will learn which formats are supported, how booking suggestions are generated, and how to avoid typical errors.<\/p>\n\t<div id=\"gap-1780703798\" class=\"gap-element clearfix\" style=\"display:block; height:auto;\">\n\t\t\n<style>\n#gap-1780703798 {\n  padding-top: 30px;\n}\n<\/style>\n\t<\/div>\n\t\n<h2>What does bank statement processing accomplish?<\/h2>\n<p>Without bank statement processing, incoming and outgoing payments must be entered manually and individually reconciled with invoices. This is time-consuming and increases the risk of errors when dealing with a large number of transactions.<\/p>\n<p>With bank statement processing, the bank file is read directly into SAP Business One. The system evaluates the transactions based on defined bank codes and matching criteria and generates a report. <strong>System-supported booking suggestions<\/strong>.<\/p>\n\n<div style=\"border-radius: 12px; overflow: hidden; border: 1px solid #ddd;\">\n<table style=\"width: 100%; border-collapse: separate; border-spacing: 0; font-family: Arial,sans-serif; font-size: 15px;\">\n<thead>\n<tr style=\"background: #0A5395; color: #fff; text-align: left;\">\n<th style=\"padding: 12px 15px;\">Without bank statement processing<\/th>\n<th style=\"padding: 12px 15px;\">With bank statement processing<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td style=\"padding: 12px 15px;\">Manual reconciliation of each payment<\/td>\n<td style=\"padding: 12px 15px;\"><strong>Automatic detection<\/strong> based on defined criteria<\/td>\n<\/tr>\n<tr style=\"background: #f6f8fa;\">\n<td style=\"padding: 12px 15px;\">Error-prone manual booking<\/td>\n<td style=\"padding: 12px 15px;\">System-generated booking proposal<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 12px 15px;\">No consistent bank reconciliation<\/td>\n<td style=\"padding: 12px 15px;\">Internal and external voting integrated<\/td>\n<\/tr>\n<tr style=\"background: #eaf0f6;\">\n<td style=\"padding: 12px 15px;\">High workload with many receipts<\/td>\n<td style=\"padding: 12px 15px;\">Batch processing of entire bank statements<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n\n<div class=\"wissen-bildtext wissen-bildtext--left\"><div class=\"wissen-bildtext__media\"><img decoding=\"async\" width=\"1020\" height=\"584\" src=\"https:\/\/business-one-consulting.com\/wp-content\/uploads\/2026\/09\/sap-business-one-kontoauszugsverarbeitung-beratung-1300x744.png\" class=\"wissen-bildtext__img\" alt=\"Bank statement processing in SAP Business One with digital bank statements\" loading=\"lazy\" srcset=\"https:\/\/business-one-consulting.com\/wp-content\/uploads\/2026\/09\/sap-business-one-kontoauszugsverarbeitung-beratung-1300x744.png 1300w, https:\/\/business-one-consulting.com\/wp-content\/uploads\/2026\/09\/sap-business-one-kontoauszugsverarbeitung-beratung-900x515.png 900w, https:\/\/business-one-consulting.com\/wp-content\/uploads\/2026\/09\/sap-business-one-kontoauszugsverarbeitung-beratung-600x343.png 600w, https:\/\/business-one-consulting.com\/wp-content\/uploads\/2026\/09\/sap-business-one-kontoauszugsverarbeitung-beratung-768x440.png 768w, https:\/\/business-one-consulting.com\/wp-content\/uploads\/2026\/09\/sap-business-one-kontoauszugsverarbeitung-beratung-1536x879.png 1536w, https:\/\/business-one-consulting.com\/wp-content\/uploads\/2026\/09\/sap-business-one-kontoauszugsverarbeitung-beratung-18x10.png 18w, https:\/\/business-one-consulting.com\/wp-content\/uploads\/2026\/09\/sap-business-one-kontoauszugsverarbeitung-beratung.png 1658w\" sizes=\"auto, (max-width: 1020px) 100vw, 1020px\" data-attachment-id=\"25120\" \/><\/div><div class=\"wissen-bildtext__text\"><h3 class=\"wissen-bildtext__heading\">Setting up bank statement processing \u2013 but doing it right<\/h3>\n<p>We configure house bank accounts, bank codes and matching criteria so that bank statements can be processed reliably.<\/p>\n<a class=\"wissen-bildtext__link\" href=\"https:\/\/business-one-consulting.com\/en\/contact\/#kontakt\">Request a free initial consultation<svg class=\"wissen-link__arrow\" viewbox=\"0 0 8 14\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M1 1l6 6-6 6\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/a><\/div><\/div>\n\t<div id=\"gap-1398724653\" class=\"gap-element clearfix\" style=\"display:block; height:auto;\">\n\t\t\n<style>\n#gap-1398724653 {\n  padding-top: 30px;\n}\n<\/style>\n\t<\/div>\n\t\n<h2>Supported formats: MT940, camt.053 and Multicash<\/h2>\n<p>The bank statement format used depends on the individual bank and its connection. For new institutions, this should generally be the case today. <strong>camt.053 based on ISO 20022<\/strong> to be given preference.<\/p>\n\n<div style=\"border-radius: 12px; overflow: hidden; border: 1px solid #ddd;\">\n<table style=\"width: 100%; border-collapse: separate; border-spacing: 0; font-family: Arial,sans-serif; font-size: 15px;\">\n<thead>\n<tr style=\"background: #0A5395; color: #fff; text-align: left;\">\n<th style=\"padding: 12px 15px;\">format<\/th>\n<th style=\"padding: 12px 15px;\">standard<\/th>\n<th style=\"padding: 12px 15px;\">Classification<\/th>\n<th style=\"padding: 12px 15px;\">Recommendation<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td style=\"padding: 12px 15px;\"><strong>MT940<\/strong><\/td>\n<td style=\"padding: 12px 15px;\">SWIFT<\/td>\n<td style=\"padding: 12px 15px;\">Older format, still available depending on the bank<\/td>\n<td style=\"padding: 12px 15px;\">Clarify existing usage and switching with your bank.<\/td>\n<\/tr>\n<tr style=\"background: #f6f8fa;\">\n<td style=\"padding: 12px 15px;\"><strong>camt.053<\/strong><\/td>\n<td style=\"padding: 12px 15px;\">ISO 20022 (XML)<\/td>\n<td style=\"padding: 12px 15px;\">Current standard with structured transaction data<\/td>\n<td style=\"padding: 12px 15px;\">For new and reconfigured connections, prefer<\/td>\n<\/tr>\n<tr style=\"background: #eaf0f6;\">\n<td style=\"padding: 12px 15px;\"><strong>Multicash<\/strong><\/td>\n<td style=\"padding: 12px 15px;\">Proprietary, SWIFT-based<\/td>\n<td style=\"padding: 12px 15px;\">Especially used with older bank connections<\/td>\n<td style=\"padding: 12px 15px;\">Only use if the existing connection requires it.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n\n<div class=\"wissen-infobox wissen-infobox--orange\"><span class=\"wissen-infobox__icon\" aria-hidden=\"true\"><\/span><p class=\"wissen-infobox__title\">MT940 will be gradually replaced<\/p><div class=\"wissen-infobox__body\">\n<p>The ISO 20022 coexistence phase ended in November 2025. However, it is unclear whether and for how long MT940 will continue to be provided. <strong>depends on the respective bank<\/strong>. Clarify the available formats directly with your bank and plan the switch to camt.053 in good time.<\/p>\n<\/div><\/div>\n<p>camt.053 provides structured information such as intended use, reference numbers, and counterparty data. This information can be used by <strong>automatic assignment to open items<\/strong> improve.<\/p>\n\t<div id=\"gap-1569423787\" class=\"gap-element clearfix\" style=\"display:block; height:auto;\">\n\t\t\n<style>\n#gap-1569423787 {\n  padding-top: 30px;\n}\n<\/style>\n\t<\/div>\n\t\n<h2>Setting up bank statement processing \u2013 step by step<\/h2>\n<p>The setup is a one-time process. If individual points are omitted or entered incorrectly, the import may fail or generate unsuitable booking suggestions.<\/p>\n\n<div style=\"border-radius: 12px; overflow: hidden; border: 1px solid #ddd;\">\n<table style=\"width: 100%; border-collapse: separate; border-spacing: 0; font-family: Arial,sans-serif; font-size: 15px;\">\n<thead>\n<tr style=\"background: #0A5395; color: #fff; text-align: left;\">\n<th style=\"padding: 12px 15px;\">Step<\/th>\n<th style=\"padding: 12px 15px;\">Proceed<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td style=\"padding: 12px 15px;\"><strong>1. Activate function<\/strong><\/td>\n<td style=\"padding: 12px 15px;\">Under Administration \u2192 System Initialization \u2192 Company Details \u2192 Accounting Basics, activate bank statement processing.<\/td>\n<\/tr>\n<tr style=\"background: #f6f8fa;\">\n<td style=\"padding: 12px 15px;\"><strong>2. Configure your main bank account<\/strong><\/td>\n<td style=\"padding: 12px 15px;\">Under Administration \u2192 Setup \u2192 Banking \u2192 Main Bank Accounts, enter the bank account, import format, general ledger account and interim general ledger account.<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 12px 15px;\"><strong>3. Define internal bank codes<\/strong><\/td>\n<td style=\"padding: 12px 15px;\">Create transaction types such as customer payment, supplier payment, fee or direct debit with the desired booking logic.<\/td>\n<\/tr>\n<tr style=\"background: #f6f8fa;\">\n<td style=\"padding: 12px 15px;\"><strong>4. Assign external bank codes<\/strong><\/td>\n<td style=\"padding: 12px 15px;\">Assign the codes from the bank file to the internal bank codes. Missing assignments will prevent automatic recognition.<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 12px 15px;\"><strong>5. Define matching criteria<\/strong><\/td>\n<td style=\"padding: 12px 15px;\">Define up to three search rounds, for example first invoice number, then amount, and then customer number.<\/td>\n<\/tr>\n<tr style=\"background: #f6f8fa;\">\n<td style=\"padding: 12px 15px;\"><strong>6. Book opening balance<\/strong><\/td>\n<td style=\"padding: 12px 15px;\">Record the current account balance when using the device for the first time, so that subsequent balance comparisons are correct.<\/td>\n<\/tr>\n<tr style=\"background: #eaf0f6;\">\n<td style=\"padding: 12px 15px;\"><strong>7. Reconcile the account assignment<\/strong><\/td>\n<td style=\"padding: 12px 15px;\">Clarify the allocation of general ledger and interim accounts for fees, interest and unassignable items with your tax advisor before going live.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n\n\t<div class=\"img has-hover x md-x lg-x y md-y lg-y\" id=\"image_1629310597\">\n\t\t\t\t\t\t\t\t<div class=\"img-inner dark\" >\n\t\t\t<img decoding=\"async\" src=\"http:\/\/SCREENSHOT_HAUSBANKKONTEN_ID\" alt=\"\"\/>\t\t\t\t\t\t\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\n<style>\n#image_1629310597 {\n  width: 100%;\n}\n<\/style>\n\t<\/div>\n\t\n\t<div class=\"img has-hover x md-x lg-x y md-y lg-y\" id=\"image_971389347\">\n\t\t\t\t\t\t\t\t<div class=\"img-inner dark\" >\n\t\t\t<img decoding=\"async\" src=\"http:\/\/SCREENSHOT_BANKCODES_ID\" alt=\"\"\/>\t\t\t\t\t\t\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\n<style>\n#image_971389347 {\n  width: 100%;\n}\n<\/style>\n\t<\/div>\n\t\n\t<div id=\"gap-1977489380\" class=\"gap-element clearfix\" style=\"display:block; height:auto;\">\n\t\t\n<style>\n#gap-1977489380 {\n  padding-top: 30px;\n}\n<\/style>\n\t<\/div>\n\t\n<h2>Import bank statement and edit booking proposal<\/h2>\n<p>The daily process starts under Banking \u2192 Bank Statements and External Reconciliations \u2192 Bank Statement Processing. The processing then proceeds as follows: <strong>five consecutive steps<\/strong>.<\/p>\n\n<div style=\"border-radius: 12px; overflow: hidden; border: 1px solid #ddd;\">\n<table style=\"width: 100%; border-collapse: separate; border-spacing: 0; font-family: Arial,sans-serif; font-size: 15px;\">\n<thead>\n<tr style=\"background: #0A5395; color: #fff; text-align: left;\">\n<th style=\"padding: 12px 15px;\">Step<\/th>\n<th style=\"padding: 12px 15px;\">Proceed<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td style=\"padding: 12px 15px;\"><strong>1. Select your main bank account<\/strong><\/td>\n<td style=\"padding: 12px 15px;\">Select the desired bank account from the list.<\/td>\n<\/tr>\n<tr style=\"background: #f6f8fa;\">\n<td style=\"padding: 12px 15px;\"><strong>2. Import bank file<\/strong><\/td>\n<td style=\"padding: 12px 15px;\">Read the MT940 or camt.053 file. The lines will initially appear as parked documents.<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 12px 15px;\"><strong>3. Show booking suggestion<\/strong><\/td>\n<td style=\"padding: 12px 15px;\">Open a bank statement line by double-clicking. SAP Business One displays the suggestion based on the defined rules.<\/td>\n<\/tr>\n<tr style=\"background: #f6f8fa;\">\n<td style=\"padding: 12px 15px;\"><strong>4. Review proposal<\/strong><\/td>\n<td style=\"padding: 12px 15px;\">Check business partner, document, and amount. Manually add any missing allocations or post to a clearing account.<\/td>\n<\/tr>\n<tr style=\"background: #eaf0f6;\">\n<td style=\"padding: 12px 15px;\"><strong>5. Book and vote<\/strong><\/td>\n<td style=\"padding: 12px 15px;\">The booking process executes the journal entry and reconciliation; the associated open item is cleared.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n\n<div class=\"wissen-infobox wissen-infobox--orange\"><span class=\"wissen-infobox__icon\" aria-hidden=\"true\"><\/span><p class=\"wissen-infobox__title\">Maintain chronological order<\/p><div class=\"wissen-infobox__body\">\n<p>Bank statements must <strong>in the correct chronological order<\/strong> They are imported and processed. This prevents conflicting balances in SAP Business One.<\/p>\n<\/div><\/div>\n\t<div class=\"img has-hover x md-x lg-x y md-y lg-y\" id=\"image_349117174\">\n\t\t\t\t\t\t\t\t<div class=\"img-inner dark\" >\n\t\t\t<img decoding=\"async\" src=\"http:\/\/SCREENSHOT_GEPARKTE_BELEGE_ID\" alt=\"\"\/>\t\t\t\t\t\t\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\n<style>\n#image_349117174 {\n  width: 100%;\n}\n<\/style>\n\t<\/div>\n\t\n\t<div class=\"img has-hover x md-x lg-x y md-y lg-y\" id=\"image_1191641132\">\n\t\t\t\t\t\t\t\t<div class=\"img-inner dark\" >\n\t\t\t<img decoding=\"async\" src=\"http:\/\/SCREENSHOT_BUCHUNGSVORSCHLAG_ID\" alt=\"\"\/>\t\t\t\t\t\t\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\n<style>\n#image_1191641132 {\n  width: 100%;\n}\n<\/style>\n\t<\/div>\n\t\n\t<div id=\"gap-1238203092\" class=\"gap-element clearfix\" style=\"display:block; height:auto;\">\n\t\t\n<style>\n#gap-1238203092 {\n  padding-top: 30px;\n}\n<\/style>\n\t<\/div>\n\t\n<h2>Internal and external coordination<\/h2>\n<p>When posting from bank statement processing, two levels of reconciliation are taken into account. <strong>Internal voting<\/strong> connects transactions within SAP Business One. <strong>external voting<\/strong> reconciles system entries with actual bank statements.<\/p>\n\n<div style=\"border-radius: 12px; overflow: hidden; border: 1px solid #ddd;\">\n<table style=\"width: 100%; border-collapse: separate; border-spacing: 0; font-family: Arial,sans-serif; font-size: 15px;\">\n<thead>\n<tr style=\"background: #0A5395; color: #fff; text-align: left;\">\n<th style=\"padding: 12px 15px;\">Voting method<\/th>\n<th style=\"padding: 12px 15px;\">What is being compared?<\/th>\n<th style=\"padding: 12px 15px;\">Example<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td style=\"padding: 12px 15px;\"><strong>Internal vote<\/strong><\/td>\n<td style=\"padding: 12px 15px;\">Business partner accounts and general ledger accounts within the system<\/td>\n<td style=\"padding: 12px 15px;\">An incoming payment settles an outstanding outgoing invoice.<\/td>\n<\/tr>\n<tr style=\"background: #eaf0f6;\">\n<td style=\"padding: 12px 15px;\"><strong>External voting<\/strong><\/td>\n<td style=\"padding: 12px 15px;\">System transactions and actual bank statement lines<\/td>\n<td style=\"padding: 12px 15px;\">A booked payment is linked to the corresponding bank line.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n\n<div class=\"wissen-infobox wissen-infobox--orange\"><span class=\"wissen-infobox__icon\" aria-hidden=\"true\"><\/span><p class=\"wissen-infobox__title\">Reset vote<\/p><div class=\"wissen-infobox__body\">\n<p>An incorrect vote can be reset via Banking \u2192 Internal Voting or External Voting. <strong>The original booking remains valid.<\/strong>; only the link is broken and the open item becomes visible again.<\/p>\n<\/div><\/div>\n\t<div id=\"gap-1926832456\" class=\"gap-element clearfix\" style=\"display:block; height:auto;\">\n\t\t\n<style>\n#gap-1926832456 {\n  padding-top: 30px;\n}\n<\/style>\n\t<\/div>\n\t\n<h2>Typical transaction scenarios<\/h2>\n<p>The internal bank codes determine which booking logic is applied. SAP Business One can therefore handle different payment situations.<\/p>\n\n<div style=\"border-radius: 12px; overflow: hidden; border: 1px solid #ddd;\">\n<table style=\"width: 100%; border-collapse: separate; border-spacing: 0; font-family: Arial,sans-serif; font-size: 15px;\">\n<thead>\n<tr style=\"background: #0A5395; color: #fff; text-align: left;\">\n<th style=\"padding: 12px 15px;\">scenario<\/th>\n<th style=\"padding: 12px 15px;\">Booking logic<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td style=\"padding: 12px 15px;\"><strong>Customer payment<\/strong><\/td>\n<td style=\"padding: 12px 15px;\">Book incoming payment, settle outstanding outgoing invoice and reconcile internally.<\/td>\n<\/tr>\n<tr style=\"background: #f6f8fa;\">\n<td style=\"padding: 12px 15px;\"><strong>Supplier payment<\/strong><\/td>\n<td style=\"padding: 12px 15px;\">Book the outgoing payment and balance the creditor account.<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 12px 15px;\"><strong>Bank fees or interest<\/strong><\/td>\n<td style=\"padding: 12px 15px;\">Direct posting to a general ledger account without business partner assignment<\/td>\n<\/tr>\n<tr style=\"background: #f6f8fa;\">\n<td style=\"padding: 12px 15px;\"><strong>collective payment<\/strong><\/td>\n<td style=\"padding: 12px 15px;\">Assigning one payment to multiple open invoices<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 12px 15px;\"><strong>Advance payment<\/strong><\/td>\n<td style=\"padding: 12px 15px;\">Book to a down payment account and reconcile manually later.<\/td>\n<\/tr>\n<tr style=\"background: #f6f8fa;\">\n<td style=\"padding: 12px 15px;\"><strong>Unattributable payment<\/strong><\/td>\n<td style=\"padding: 12px 15px;\">Book to a transit or interim account and allocate later.<\/td>\n<\/tr>\n<tr style=\"background: #eaf0f6;\">\n<td style=\"padding: 12px 15px;\"><strong>chargeback<\/strong><\/td>\n<td style=\"padding: 12px 15px;\">Cancel payment and restore the original open item.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n\n<div class=\"wissen-bildtext wissen-bildtext--left\"><div class=\"wissen-bildtext__media\"><img decoding=\"async\" width=\"1020\" height=\"583\" src=\"https:\/\/business-one-consulting.com\/wp-content\/uploads\/2026\/09\/e-rechnung-sap-business-one-cta-1300x743.png\" class=\"wissen-bildtext__img\" alt=\"Process e-invoices in XML format with SAP Business One\" loading=\"lazy\" srcset=\"https:\/\/business-one-consulting.com\/wp-content\/uploads\/2026\/09\/e-rechnung-sap-business-one-cta-1300x743.png 1300w, https:\/\/business-one-consulting.com\/wp-content\/uploads\/2026\/09\/e-rechnung-sap-business-one-cta-900x514.png 900w, https:\/\/business-one-consulting.com\/wp-content\/uploads\/2026\/09\/e-rechnung-sap-business-one-cta-600x343.png 600w, https:\/\/business-one-consulting.com\/wp-content\/uploads\/2026\/09\/e-rechnung-sap-business-one-cta-768x439.png 768w, https:\/\/business-one-consulting.com\/wp-content\/uploads\/2026\/09\/e-rechnung-sap-business-one-cta-1536x878.png 1536w, https:\/\/business-one-consulting.com\/wp-content\/uploads\/2026\/09\/e-rechnung-sap-business-one-cta-18x10.png 18w, https:\/\/business-one-consulting.com\/wp-content\/uploads\/2026\/09\/e-rechnung-sap-business-one-cta.png 1659w\" sizes=\"auto, (max-width: 1020px) 100vw, 1020px\" data-attachment-id=\"25123\" \/><\/div><div class=\"wissen-bildtext__text\"><h3 class=\"wissen-bildtext__heading\">Process e-invoices directly in SAP Business One<\/h3>\n<p data-pm-slice=\"1 1 []\">From structured incoming invoices to subsequent payments: Learn how SAP Business One processes XRechnungen and ZUGFeRD files and integrates them into end-to-end accounting processes.<\/p>\n<a class=\"wissen-bildtext__link\" href=\"https:\/\/business-one-consulting.com\/en\/sap-business-one\/e-invoice\/\">More about e-invoicing<svg class=\"wissen-link__arrow\" viewbox=\"0 0 8 14\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M1 1l6 6-6 6\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/a><\/div><\/div>\n\t<div id=\"gap-769270508\" class=\"gap-element clearfix\" style=\"display:block; height:auto;\">\n\t\t\n<style>\n#gap-769270508 {\n  padding-top: 30px;\n}\n<\/style>\n\t<\/div>\n\t\n<h2>Common mistakes and how to avoid them<\/h2>\n\n<div style=\"border-radius: 12px; overflow: hidden; border: 1px solid #ddd;\">\n<table style=\"width: 100%; border-collapse: separate; border-spacing: 0; font-family: Arial,sans-serif; font-size: 15px;\">\n<thead>\n<tr style=\"background: #0A5395; color: #fff; text-align: left;\">\n<th style=\"padding: 12px 15px;\">Error pattern<\/th>\n<th style=\"padding: 12px 15px;\">Caused<\/th>\n<th style=\"padding: 12px 15px;\">Solution<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td style=\"padding: 12px 15px;\"><strong>File is not recognized<\/strong><\/td>\n<td style=\"padding: 12px 15px;\">Incorrect import format or non-compliant bank file<\/td>\n<td style=\"padding: 12px 15px;\">Check the format in your bank account and the bank&#039;s file.<\/td>\n<\/tr>\n<tr style=\"background: #f6f8fa;\">\n<td style=\"padding: 12px 15px;\"><strong>Rows are not assigned<\/strong><\/td>\n<td style=\"padding: 12px 15px;\">External bank codes are missing or incorrectly linked<\/td>\n<td style=\"padding: 12px 15px;\">Add assignments under External Bank Codes<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 12px 15px;\"><strong>False business partner<\/strong><\/td>\n<td style=\"padding: 12px 15px;\">The matching criteria are too unspecific.<\/td>\n<td style=\"padding: 12px 15px;\">Refine search rounds and use unambiguous references<\/td>\n<\/tr>\n<tr style=\"background: #f6f8fa;\">\n<td style=\"padding: 12px 15px;\"><strong>Chronology error<\/strong><\/td>\n<td style=\"padding: 12px 15px;\">Extracts were imported in the wrong order.<\/td>\n<td style=\"padding: 12px 15px;\">Correct the import and import the extracts chronologically.<\/td>\n<\/tr>\n<tr style=\"background: #eaf0f6;\">\n<td style=\"padding: 12px 15px;\"><strong>The balance is incorrect.<\/strong><\/td>\n<td style=\"padding: 12px 15px;\">Opening balance is missing or incorrect<\/td>\n<td style=\"padding: 12px 15px;\">Check the balance and coordinate the correction with your tax advisor.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n\n\t<div id=\"gap-68654331\" class=\"gap-element clearfix\" style=\"display:block; height:auto;\">\n\t\t\n<style>\n#gap-68654331 {\n  padding-top: 30px;\n}\n<\/style>\n\t<\/div>\n\t\n<h2>Frequently Asked Questions<\/h2>\n<h3>Does bank statement processing need to be activated in SAP Business One first?<\/h3>\n<p>Yes. The function is activated under Administration \u2192 System Initialization \u2192 Company Details \u2192 Accounting Basics. Only then will the corresponding menu item be available in the banking section.<\/p>\n<h3>Which format should be used today \u2013 MT940 or camt.053?<\/h3>\n<p><strong>camt.053 is the current ISO 20022 standard.<\/strong> and should be preferred for new connections. Whether MT940 will continue to be offered depends on the bank. camt.053 provides more structured data for automatic matching.<\/p>\n<h3>What happens to payments that cannot be allocated?<\/h3>\n<p>The transaction can initially be posted to a transit or interim account. Once the correct document is identified, the allocation is carried out via internal reconciliation.<\/p>\n<h3>Can a faulty vote be reversed?<\/h3>\n<p>Yes. Internal and external votes can be reset in the respective voting modules. The original booking remains; the open item becomes visible again.<\/p>\n\t<div id=\"gap-16510143\" class=\"gap-element clearfix\" style=\"display:block; height:auto;\">\n\t\t\n<style>\n#gap-16510143 {\n  padding-top: 30px;\n}\n<\/style>\n\t<\/div>\n\t\n<div class=\"wissen-bildtext wissen-bildtext--left\"><div class=\"wissen-bildtext__media\"><img decoding=\"async\" width=\"1020\" height=\"584\" src=\"https:\/\/business-one-consulting.com\/wp-content\/uploads\/2026\/09\/sap-business-one-kontoauszugsverarbeitung-beratung-1300x744.png\" class=\"wissen-bildtext__img\" alt=\"Bank statement processing in SAP Business One with digital bank statements\" loading=\"lazy\" srcset=\"https:\/\/business-one-consulting.com\/wp-content\/uploads\/2026\/09\/sap-business-one-kontoauszugsverarbeitung-beratung-1300x744.png 1300w, https:\/\/business-one-consulting.com\/wp-content\/uploads\/2026\/09\/sap-business-one-kontoauszugsverarbeitung-beratung-900x515.png 900w, https:\/\/business-one-consulting.com\/wp-content\/uploads\/2026\/09\/sap-business-one-kontoauszugsverarbeitung-beratung-600x343.png 600w, https:\/\/business-one-consulting.com\/wp-content\/uploads\/2026\/09\/sap-business-one-kontoauszugsverarbeitung-beratung-768x440.png 768w, https:\/\/business-one-consulting.com\/wp-content\/uploads\/2026\/09\/sap-business-one-kontoauszugsverarbeitung-beratung-1536x879.png 1536w, https:\/\/business-one-consulting.com\/wp-content\/uploads\/2026\/09\/sap-business-one-kontoauszugsverarbeitung-beratung-18x10.png 18w, https:\/\/business-one-consulting.com\/wp-content\/uploads\/2026\/09\/sap-business-one-kontoauszugsverarbeitung-beratung.png 1658w\" sizes=\"auto, (max-width: 1020px) 100vw, 1020px\" data-attachment-id=\"25120\" \/><\/div><div class=\"wissen-bildtext__text\"><h3 class=\"wissen-bildtext__heading\">Any remaining questions regarding bank statement processing?<\/h3>\n<p>Whether it&#039;s bank code assignment, matching criteria or switching to camt.053: We help you to set up bank statement processing cleanly and to fix errors in a targeted manner.<\/p>\n<a class=\"wissen-bildtext__link\" href=\"https:\/\/business-one-consulting.com\/en\/contact\/#kontakt\">Request a free initial consultation<svg class=\"wissen-link__arrow\" viewbox=\"0 0 8 14\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M1 1l6 6-6 6\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/a><\/div><\/div>\n\t<div id=\"gap-1829669008\" class=\"gap-element clearfix\" style=\"display:block; height:auto;\">\n\t\t\n<style>\n#gap-1829669008 {\n  padding-top: 30px;\n}\n<\/style>\n\t<\/div>\n\t\n\t<div id=\"gap-1650947370\" class=\"gap-element clearfix\" style=\"display:block; height:auto;\">\n\t\t\n<style>\n#gap-1650947370 {\n  padding-top: 30px;\n}\n<\/style>\n\t<\/div>","protected":false},"featured_media":25121,"template":"","meta":{"inline_featured_image":false,"_links_to":"","_links_to_target":""},"categories":[165],"class_list":["post-25082","wissen","type-wissen","status-publish","has-post-thumbnail","hentry","category-wissen"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Kontoauszugsverarbeitung in SAP Business One<\/title>\n<meta name=\"description\" content=\"Wie die Kontoauszugsverarbeitung in SAP Business One funktioniert \u2013 Einrichtung, Formate, t\u00e4glicher Import undautomatische Abstimmung.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/business-one-consulting.com\/en\/wissen\/sap-business-one-bank-statement-processing\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Kontoauszugsverarbeitung in SAP Business One\" \/>\n<meta property=\"og:description\" content=\"Wie die Kontoauszugsverarbeitung in SAP Business One funktioniert \u2013 Einrichtung, Formate, t\u00e4glicher Import undautomatische Abstimmung.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/business-one-consulting.com\/en\/wissen\/sap-business-one-bank-statement-processing\/\" \/>\n<meta property=\"og:site_name\" content=\"SAP Business One Consulting\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/conesprit.gmbh\" \/>\n<meta property=\"article:modified_time\" content=\"2026-09-23T14:26:42+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/business-one-consulting.com\/wp-content\/uploads\/2026\/09\/sap-business-one-kontoauszugsverarbeitung-teaser.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1448\" \/>\n\t<meta property=\"og:image:height\" content=\"1086\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"7 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/business-one-consulting.com\\\/wissen\\\/kontoauszugsverarbeitung-in-sap-business-one\\\/\",\"url\":\"https:\\\/\\\/business-one-consulting.com\\\/wissen\\\/kontoauszugsverarbeitung-in-sap-business-one\\\/\",\"name\":\"Kontoauszugsverarbeitung in SAP Business One\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/business-one-consulting.com\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/business-one-consulting.com\\\/wissen\\\/kontoauszugsverarbeitung-in-sap-business-one\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/business-one-consulting.com\\\/wissen\\\/kontoauszugsverarbeitung-in-sap-business-one\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/business-one-consulting.com\\\/wp-content\\\/uploads\\\/2026\\\/09\\\/sap-business-one-kontoauszugsverarbeitung-teaser.png\",\"datePublished\":\"2026-09-23T09:39:03+00:00\",\"dateModified\":\"2026-09-23T14:26:42+00:00\",\"description\":\"Wie die Kontoauszugsverarbeitung in SAP Business One funktioniert \u2013 Einrichtung, Formate, t\u00e4glicher Import undautomatische Abstimmung.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/business-one-consulting.com\\\/wissen\\\/kontoauszugsverarbeitung-in-sap-business-one\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/business-one-consulting.com\\\/wissen\\\/kontoauszugsverarbeitung-in-sap-business-one\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/business-one-consulting.com\\\/wissen\\\/kontoauszugsverarbeitung-in-sap-business-one\\\/#primaryimage\",\"url\":\"https:\\\/\\\/business-one-consulting.com\\\/wp-content\\\/uploads\\\/2026\\\/09\\\/sap-business-one-kontoauszugsverarbeitung-teaser.png\",\"contentUrl\":\"https:\\\/\\\/business-one-consulting.com\\\/wp-content\\\/uploads\\\/2026\\\/09\\\/sap-business-one-kontoauszugsverarbeitung-teaser.png\",\"width\":1448,\"height\":1086,\"caption\":\"Kontoauszugsverarbeitung in SAP Business One mit digitalem Bankauszug\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/business-one-consulting.com\\\/wissen\\\/kontoauszugsverarbeitung-in-sap-business-one\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/business-one-consulting.com\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Kontoauszugsverarbeitung in SAP Business One \u2013 so richtet man sie ein und nutzt sie richtig\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/business-one-consulting.com\\\/#website\",\"url\":\"https:\\\/\\\/business-one-consulting.com\\\/\",\"name\":\"SAP Business One Consulting\",\"description\":\"\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/business-one-consulting.com\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Bank statement processing in SAP Business One","description":"How bank statement processing works in SAP Business One \u2013 setup, formats, daily import and automatic reconciliation.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/business-one-consulting.com\/en\/wissen\/sap-business-one-bank-statement-processing\/","og_locale":"en_US","og_type":"article","og_title":"Kontoauszugsverarbeitung in SAP Business One","og_description":"Wie die Kontoauszugsverarbeitung in SAP Business One funktioniert \u2013 Einrichtung, Formate, t\u00e4glicher Import undautomatische Abstimmung.","og_url":"https:\/\/business-one-consulting.com\/en\/wissen\/sap-business-one-bank-statement-processing\/","og_site_name":"SAP Business One Consulting","article_publisher":"https:\/\/www.facebook.com\/conesprit.gmbh","article_modified_time":"2026-09-23T14:26:42+00:00","og_image":[{"width":1448,"height":1086,"url":"https:\/\/business-one-consulting.com\/wp-content\/uploads\/2026\/09\/sap-business-one-kontoauszugsverarbeitung-teaser.png","type":"image\/png"}],"twitter_card":"summary_large_image","twitter_misc":{"Est. reading time":"7 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/business-one-consulting.com\/wissen\/kontoauszugsverarbeitung-in-sap-business-one\/","url":"https:\/\/business-one-consulting.com\/wissen\/kontoauszugsverarbeitung-in-sap-business-one\/","name":"Bank statement processing in SAP Business One","isPartOf":{"@id":"https:\/\/business-one-consulting.com\/#website"},"primaryImageOfPage":{"@id":"https:\/\/business-one-consulting.com\/wissen\/kontoauszugsverarbeitung-in-sap-business-one\/#primaryimage"},"image":{"@id":"https:\/\/business-one-consulting.com\/wissen\/kontoauszugsverarbeitung-in-sap-business-one\/#primaryimage"},"thumbnailUrl":"https:\/\/business-one-consulting.com\/wp-content\/uploads\/2026\/09\/sap-business-one-kontoauszugsverarbeitung-teaser.png","datePublished":"2026-09-23T09:39:03+00:00","dateModified":"2026-09-23T14:26:42+00:00","description":"How bank statement processing works in SAP Business One \u2013 setup, formats, daily import and automatic reconciliation.","breadcrumb":{"@id":"https:\/\/business-one-consulting.com\/wissen\/kontoauszugsverarbeitung-in-sap-business-one\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/business-one-consulting.com\/wissen\/kontoauszugsverarbeitung-in-sap-business-one\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/business-one-consulting.com\/wissen\/kontoauszugsverarbeitung-in-sap-business-one\/#primaryimage","url":"https:\/\/business-one-consulting.com\/wp-content\/uploads\/2026\/09\/sap-business-one-kontoauszugsverarbeitung-teaser.png","contentUrl":"https:\/\/business-one-consulting.com\/wp-content\/uploads\/2026\/09\/sap-business-one-kontoauszugsverarbeitung-teaser.png","width":1448,"height":1086,"caption":"Kontoauszugsverarbeitung in SAP Business One mit digitalem Bankauszug"},{"@type":"BreadcrumbList","@id":"https:\/\/business-one-consulting.com\/wissen\/kontoauszugsverarbeitung-in-sap-business-one\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/business-one-consulting.com\/"},{"@type":"ListItem","position":2,"name":"Kontoauszugsverarbeitung in SAP Business One \u2013 so richtet man sie ein und nutzt sie richtig"}]},{"@type":"WebSite","@id":"https:\/\/business-one-consulting.com\/#website","url":"https:\/\/business-one-consulting.com\/","name":"SAP Business One Consulting","description":"","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/business-one-consulting.com\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"}]}},"meta_box":{"ansprechpartner_wissen_to":["24688"]},"_links":{"self":[{"href":"https:\/\/business-one-consulting.com\/en\/wp-json\/wp\/v2\/wissen\/25082","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/business-one-consulting.com\/en\/wp-json\/wp\/v2\/wissen"}],"about":[{"href":"https:\/\/business-one-consulting.com\/en\/wp-json\/wp\/v2\/types\/wissen"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/business-one-consulting.com\/en\/wp-json\/wp\/v2\/media\/25121"}],"wp:attachment":[{"href":"https:\/\/business-one-consulting.com\/en\/wp-json\/wp\/v2\/media?parent=25082"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/business-one-consulting.com\/en\/wp-json\/wp\/v2\/categories?post=25082"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}