• MATCHED
  • MISMATCH
  • MISSING
  • HUMAN

How to reconcile bank transactions with your AI

Connect TrueLayer to your AI client to give your agent direct access to your live banking data. Once connected, your agent handles the heavy lifting of matching records and spotting errors.

Ask AI about this page

Short answer

How can I reconcile bank transactions with my AI?

Your AI agent uses TrueLayer to pull live balances and transaction lists to compare against your own records. This allows the agent to flag missing entries or amount mismatches immediately. You get a clear view of where your books don't match your actual bank activity.

Where every issue lands.

The outcomes of reconciliation

The AI processes the raw data and sorts the results into these categories.

MATCHED

Verified transactions

The AI confirms that your internal records and bank history align perfectly. These entries are marked as reconciled and cleared.

MISMATCH

Amount discrepancies

The agent identifies where the transaction exists in both places but the totals don't match. You get a specific list of these gaps.

MISSING

Unaccounted activity

The AI finds bank transactions that have no corresponding entry in your records. This highlights potential missed expenses or income.

HUMAN

Manual review needed

When the AI finds a conflict it can't resolve, it flags it for you. You decide how to fix these specific edge cases.

The workflow

What your AI does when the data arrives.

The agent follows a logical sequence to turn raw bank data into actionable insights.

  1. Check current standing

    The agent first looks at your current available funds to set the context for recent activity.

    get_data_account_balance

  2. Pull recent history

    The agent gathers a list of all recent movements in the account to begin the comparison.

    list_data_account_transactions

  3. Analyze merchant activity

    The agent looks specifically at merchant-side data to verify specific vendor payments.

    list_merchant_account_transactions

  4. Identify discrepancies

    The agent compares the gathered data against your provided spreadsheets or logs to find errors.

    list_data_account_transactions

Try it

Copy these to start.

Use these prompts to kick off the reconciliation process.

Starting points

These are opening lines. Swap out the bracketed text with your specific account names or dates.

TrueLayer Connector

You're all set. Choose your MCP client and follow the setup instructions.

Connector linkhttps://edge.vinkius.com/vk_preview_1YhJE4ahPsS7lpao5toWRZlTwf4P7zaYyBUvXpyJ/mcp

Claude Desktop

Follow the steps below to connect in seconds.

  1. 1In Claude Desktop, open Settings → Connectors.
  2. 2Click “Add custom connector” and paste the connector link above as the remote MCP server URL.
  3. 3Click Add and start a new chat — TrueLayer capabilities are ready to use.
Configuration · claude_desktop_config.jsonCopy
{
  "mcpServers": {
    "truelayer-mcp": {
      "url": "https://edge.vinkius.com/vk_preview_1YhJE4ahPsS7lpao5toWRZlTwf4P7zaYyBUvXpyJ/mcp"
    }
  }
}
Copy into chat04

  • Compare my recent transactions in [Account Name] with this CSV file.

  • Check the balance for [Account Name] and tell me if it matches my ledger.

  • List all transactions from [Merchant Name] from the last month and verify them.

  • Find any transactions in my [Account Name] that don't have a matching entry in my spreadsheet.

  • Claude
  • ChatGPT
  • Cursor
  • VS Code
  • Windsurf
  • Claude Code
  • JetBrains
  • Cline

Start here

Connect TrueLayer once, then ask.

Follow the link to authorize the connection. Your login credentials stay encrypted and secure on our end, and you can find the full technical details on the Connector page.

Connect TrueLayer to your AI

FAQ

How this task behaves

  • 01

    Can the AI move money between my accounts?

    No. The tools only allow the AI to read balances and transaction history. It cannot initiate transfers or move funds.

  • 02

    Does the AI change my bank records?

    No. The AI can only read data from TrueLayer. It has no capability to write to or modify your bank account.

  • 03

    How often does the AI see new transactions?

    The AI sees data in real time because it pulls directly from the live bank feed whenever you run a command.

  • 04

    Can the AI reconcile my accounts automatically?

    The AI does the comparison and identifies the errors, but you remain the final authority for confirming or fixing any mismatches.

  • 05

    What happens if a transaction is missing from the bank feed?

    If the data isn't in the bank feed, the AI won't see it. It can only work with the information provided by the TrueLayer connection.

  • More questions about TrueLayer? The Connector page answers them. See everything the TrueLayer Connector can do

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