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Module · Accounting & Finance

Every bank account
reconciled before breakfast.

Official PSD2 connection via Enable Banking. Nightly sync, AI auto-reconcile, automatic duplicate detection and counterparty identification. Every Spanish, Catalan and EEA bank covered.

Enable Banking · PSD2 AI reconcile Cron bank-sync
Screen This is what it looks like in Hexio

Auto-reconcile, live.

The statement comes in via PSD2 and the AI matches it against issued invoices. You only look at exceptions.

BBVA reconciliation · 2168
Reconciled today · 23/30 movements
PSD2 active
Bank statement
Restaurant #14+ 1,960.20
Productora #07 SL+ 4,235.00
SEPA transfer · 2046+ 320.00
Issued invoices
INV-2026-0421,960.20
INV-2026-0394,235.00
No invoice?
Cron bank-sync · 03:42 CET 7 accounts · 4 banks
BBVA · 2168 · ES21…+ 30 mov · 23 auto-rec
CaixaBank · 0140 · ES77…+ 18 mov · 17 auto-rec
Sabadell · 0081 · ES09…+ 12 mov · 11 auto-rec
BCC · 3025 · ES43…2 duplicates discarded
Total60 / 64 reconciled · AI quality 0.94
Capabilities What it does, exactly

Six things that do the work for you.
Not promises — crons that already run.

Auth + connections via Enable Banking

Official PSD2 onboarding. The client authorises once at the bank and Hexio refreshes consents before they expire.

  • Multi-account and multi-bank from a single session
  • Automatic consent renewal (90 days / unlimited depending on bank)
  • Full coverage across Spain, Catalonia and the EEA

Nightly cron bank-sync

Every night, new movements arrive on their own. If a bank misbehaves, it retries and warns you on Telegram.

  • Scheduled execution (default 03:00 CET)
  • Exponential retry per bank
  • Proactive alerts when a consent is about to expire

AI auto-reconcile

The reconcile sub-module matches bank movements to issued invoices, expenses and SEPA batches — with a confidence score.

  • Match by amount, date, description and counterparty
  • Configurable threshold for auto-acceptance
  • Exception queue for human review

Duplicate detection

The duplicates sub-module: movements that appear twice (re-imports, bank errors) are detected and set aside before any accounting entry is made.

  • Deterministic hash per movement (account + date + amount + counterparty)
  • Automatic flagging as "ignore" or "merge"
  • Traceability: the evidence for every discard is kept

Counterparty identification

The counterparties sub-module: the AI learns to recognise "BBVA-MAS GROS REST." and links it to the right client, so the next movement arrives already labelled.

  • Persistent memory per company
  • Manual aliases when needed
  • Works with recurring suppliers too

Internal patterns + AI quality

The internal-patterns and ai-quality sub-modules: detects internal transfers between own accounts and scores the quality of imported data.

  • Intra-group movements never get booked twice
  • Quality score for every sync cycle
  • Alerts when a bank returns incomplete fields
Integrations used
Enable Banking (PSD2) BBVA CaixaBank Sabadell Santander BCC Caixa Enginyers Telegram (alerts) Cron bank-sync Invoices module
Use case An anonymised story

Industrial group · 7 accounts across 4 banks.

Finance director · group with 3 companies

"We used to spend two days a month reconciling bank-statement spreadsheets. Now, every morning, all 7 accounts are reconciled: the AI matches 92% of movements with invoices and expenses, discards the duplicates one bank kept sending, and I only have to review the exceptions on a single panel. I've got two days a month back — and the confidence that everything is in its place."

Finance director · industrial group

Connect your bank in 5 minutes.

15-minute demo. We'll set up an instance with a test PSD2 consent.

Book 15 min
Book a demo · 15 min