Your BankOne reconciliation.
Done in 15 minutes.
ReconFlow auto-matches your NIP credits, POS settlements, and backlog transactions against your BankOne GL — surfacing exceptions before they become CBN penalties.
Tested on real Nigerian MFB data · 97.4% match rate on Main Account · 95.2% on full-year backlog
Proven on Real Nigerian MFB Data
These results were achieved using real BankOne GL exports and Stanbic IBTC settlement statements — not synthetic data.
Three steps. No IT setup required.
Export your files
Export your BankOne GL and settlement bank statement exactly as you do today. No format changes. No new reports.
Upload to ReconFlow
Drop your files into ReconFlow. The engine detects BankOne, Stanbic IBTC, GTBank, Zenith, UBA, Access, First Bank, and Fidelity formats automatically.
Get your results
ReconFlow matches transactions, identifies exceptions, generates your BankOne C203 journal file, and produces a CBN-compliant reconciliation report — all in under 15 minutes.
Everything your Finance Officer needs. Nothing they don't.
BankOne-Native Engine
Understands BankOne entry codes (C268, D265, D812), narration formats, and fee structures out of the box. No configuration required.
BankOne Journal Generator
Generates a ready-to-import C203 journal CSV for every exception — formatted exactly to BankOne bulk upload specification with validated DR/CR balance.
Switch-Dropped NIP Detection
Identifies NIP credits that arrived in your settlement account but never posted to BankOne. Shows the exact NIBSS Session ID and generates the correction journal automatically.
CBN Returns Pre-fill
Automatically calculates NIP_OUTWARD, NIP_INWARD, and POS_MERCHANT values for your monthly CBN OFIS regulatory returns.
Maker-Checker Controls
Built-in dual-control framework. No single officer can approve their own exception. Every action logged with timestamp and user ID.
Backlog Clearance
Reconcile months or years of historical exceptions with CBN-compliant ageing brackets: 0–30 days, 31–90 days, and 91+ days.
Works with your existing systems
Built for CBN examination
- Maker-Checker dual control — no single officer can approve their own exception
- Immutable audit log — every action timestamped and permanently locked
- Exception ageing — daily and monthly CBN brackets for all transaction types
- CBN Returns pre-fill — monthly OFIS submission values calculated automatically
- Draft watermark on all unapproved exports
- Bank Reconciliation Statement format — structured exactly as CBN examiners request
Validated by a Nigerian MFB Finance Officer
“I have now completed the testing of the software, and I am pleased to confirm that it is working in line with our expectations and preferred reporting format. The output is satisfactory, and the enhancements requested have been properly addressed.”
Ready to automate your daily reconciliation?
Request a demo using your own BankOne files. See your actual match rate in 24 hours.