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ISO 20022 import
Import CAMT.053 and CAMT.054 (ISO 20022) bank statements from major Swiss banks with automatic structured reference extraction.
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Bank Reconciliation
Import CAMT bank statements, match transactions automatically and let AI classify the rest for you.
Everything You Need
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QRR and SCOR matching
Automatic payment matching via QRR reference (27 digits, QR-IBAN) or SCOR (ISO 11649) with 100% confidence.
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AI Classification
For transactions without matching invoices, AI analyzes amount, counterparty and description to automatically suggest the correct ledger account — like having an expert accountant for your country.
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Import rules
Create rules to automatically classify recurring transactions like rent and utilities.
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Direct posting
Record expenses and bank fees directly to the ledger with one click.
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Audit trail
Complete log of all reconciliation operations with rollback capability.
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- check_circle Save hours of manual work every month
- check_circle Automatic matching with invoices via Swiss QRR
- check_circle AI classifies expenses to the right account — just one click to confirm
- check_circle Full support for Swiss ISO 20022 bank formats
- check_circle Customizable rules for recurring transactions
- check_circle Direct integration with accounting and general ledger
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Which formats and standards are supported? expand_more
Lema supports ISO 20022 CAMT.053 (account statement) and CAMT.054 (credit notification) from Swiss banks. For structured references it supports QRR (27-digit with MOD10 check digit, Swiss standard) and SCOR (ISO 11649 with RF prefix, international standard).
How does automatic matching work? expand_more
Lema extracts structured references (QRR or SCOR) from bank statements and matches them against the references generated on invoices. If the reference matches, the reconciliation is automatic with 100% confidence. Without a reference, the system uses amount, IBAN and other heuristics.
How does AI classification work? expand_more
When a bank transaction doesn't match any invoice (for example a capital contribution, tax payment or subscription), the AI analyzes amount, counterparty and payment description to automatically suggest the most appropriate ledger account. The AI reasons like a certified accountant for your country, using the correct local terminology and standards. In most cases, you just need one click to confirm.
Can I create rules for recurring expenses? expand_more
Yes, you can define rules based on description, amount or counterparty to automatically classify transactions like rent, subscriptions, bank fees.
Do reconciled transactions go to accounting? expand_more
Yes, when you reconcile a transaction you can automatically generate the corresponding accounting entry with appropriate accounts.
What happens if I make a reconciliation error? expand_more
Every operation is tracked and reversible. You can undo an incorrect reconciliation and the system restores the previous state of invoices and entries.