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Sie gleichen den Kontoauszug Zeile für Zeile mit offenen Posten und Buchungen ab. Bei einer Überweisung fehlt der Verwendungszweck, eine Sammelüberweisung deckt mehrere Rechnungen gleichzeitig ab und die Gebühren von PayPal oder Stripe passen nicht zum eingegangenen Betrag. Dann kommt ein Skonto-Abzug hinzu, der die Zahlung zusätzlich verändert.",[162],{"type":163,"attrs":164},"textStyle",{"color":165},"#000000",{"type":111,"attrs":167,"content":169},{"textAlign":25,"key":168},"p-1",[170],{"text":171,"type":117,"marks":172},"Jeder einzelne Fall kostet nur wenige Minuten. Bei mehreren Hundert oder Tausend Buchungen pro Monat summiert sich der Aufwand jedoch schnell zu mehreren Arbeitstagen.",[173],{"type":163,"attrs":174},{"color":165},{"type":111,"attrs":176,"content":178},{"textAlign":25,"key":177},"p-2",[179],{"text":180,"type":117,"marks":181},"Eine Bankabgleich-Software übernimmt die Zuordnung von Kontoumsätzen zu offenen Posten, Buchungen oder Belegen. Sie verarbeitet wiederkehrende Muster automatisch und legt unklare Fälle in einer Prüfliste vor. Dieser Artikel zeigt, was ein automatischer Kontoabgleich tatsächlich leisten kann, wie Sie eine realistische Trefferquote bestimmen und wann eine klassische Abgleichssoftware, ein Buchhaltungsmodul oder eine Ausgabenmanagement-Plattform besser passt.",[182],{"type":163,"attrs":183},{"color":165},{"type":185,"attrs":186},"blok",{"id":187,"body":188},"90403bd1-272b-4d92-b540-7a27d0cde5e5",[189],{"_uid":190,"text":191,"color":192,"title":193,"component":194},"i-de57c20a-2edc-4b63-9223-d6f8d400b34a","- Automatischer Bankabgleich ordnet Kontoumsätze anhand von Betrag, Datum, IBAN, Referenzen und hinterlegten Regeln zu.\n- Eine hohe Automatisierungsrate gilt nur für geeignete Transaktionen. 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Nicht eindeutige Fälle landen in einer Ausnahmeliste. Das Finanzteam prüft dann nur noch die Transaktionen, bei denen Informationen fehlen oder mehrere Zuordnungen möglich sind.",[324],{"type":163,"attrs":325},{"color":165},{"type":111,"attrs":327,"content":329},{"textAlign":25,"key":328},"p-14",[330,335,344,354],{"text":331,"type":117,"marks":332},"Für die elektronische Übertragung von Kontoumsätzen wird in Deutschland zunehmend das",[333],{"type":163,"attrs":334},{"color":165},{"text":336,"type":117,"marks":337}," ",[338,342],{"type":339,"attrs":340},"link",{"href":341,"uuid":25,"anchor":25,"target":25,"linktype":99},"https://www.datev.de/hilfe/1047946",{"type":163,"attrs":343},{"color":165},{"text":345,"type":117,"marks":346},"CAMT-Format",[347,349,352],{"type":339,"attrs":348},{"href":341,"uuid":25,"anchor":25,"target":25,"linktype":99},{"type":163,"attrs":350},{"color":351},"#1155CC",{"type":353},"underline",{"text":355,"type":117,"marks":356}," verwendet. CAMT.053 enthält Kontoauszüge beziehungsweise Tagesumsätze in einem strukturierten XML-Format. Die Deutsche Kreditwirtschaft hat MT940 im November 2025 aus ihrem Regelwerk entfernt.",[357],{"type":163,"attrs":358},{"color":165},{"type":111,"attrs":360,"content":362},{"textAlign":25,"key":361},"p-15",[363],{"text":364,"type":117,"marks":365},"CAMT.053 ist allerdings nicht die einzige technische Voraussetzung für einen guten Abgleich. Auch CAMT.052, CAMT.054, EBICS, Bank-APIs und Dateiimporte können je nach Bank, System und Prozess eine Rolle spielen. Entscheidend ist, welche Daten Ihre Bank bereitstellt und wie vollständig die Referenzen sind.",[366],{"type":163,"attrs":367},{"color":165},{"type":196,"attrs":369,"content":370},{"level":198,"textAlign":25},[371],{"text":372,"type":117,"marks":373},"Wo der manuelle Kontoabgleich besonders viel Aufwand verursacht",[374],{"type":163,"attrs":375},{"color":165},{"type":111,"attrs":377,"content":379},{"textAlign":25,"key":378},"p-16",[380],{"text":381,"type":117,"marks":382},"Die schwierigsten Fälle sind nicht unbedingt die größten Zahlungen. Problematisch sind vor allem Transaktionen, bei denen die Verbindung zwischen Zahlung und Buchung nicht eindeutig ist.",[383],{"type":163,"attrs":384},{"color":165},{"type":196,"attrs":386,"content":388},{"level":387,"textAlign":25},3,[389],{"text":390,"type":117,"marks":391},"Fehlende oder unvollständige Verwendungszwecke",[392],{"type":163,"attrs":393},{"color":165},{"type":111,"attrs":395,"content":397},{"textAlign":25,"key":396},"p-17",[398],{"text":399,"type":117,"marks":400},"Wenn eine Zahlung keine Rechnungsnummer oder Kundennummer enthält, muss die Software andere Merkmale heranziehen. Bei mehreren offenen Posten mit ähnlichem Betrag bleibt häufig eine manuelle Prüfung erforderlich.",[401],{"type":163,"attrs":402},{"color":165},{"type":196,"attrs":404,"content":405},{"level":387,"textAlign":25},[406],{"text":407,"type":117,"marks":408},"Teilzahlungen",[409],{"type":163,"attrs":410},{"color":165},{"type":111,"attrs":412,"content":414},{"textAlign":25,"key":413},"p-18",[415],{"text":416,"type":117,"marks":417},"Eine Zahlung über 1.000 Euro kann zu einer Rechnung über 2.500 Euro gehören. Der offene Posten bleibt teilweise bestehen und muss korrekt mit der Teilzahlung verknüpft werden.",[418],{"type":163,"attrs":419},{"color":165},{"type":196,"attrs":421,"content":422},{"level":387,"textAlign":25},[423],{"text":424,"type":117,"marks":425},"Sammelüberweisungen",[426],{"type":163,"attrs":427},{"color":165},{"type":111,"attrs":429,"content":431},{"textAlign":25,"key":430},"p-19",[432],{"text":433,"type":117,"marks":434},"Eine Sammelüberweisung kann mehrere Rechnungen gleichzeitig begleichen. Die Software muss entweder die enthaltenen Referenzen auslesen oder eine Aufteilung anhand von Betrag, Zahlungspartner und offenen Posten vorschlagen.",[435],{"type":163,"attrs":436},{"color":165},{"type":196,"attrs":438,"content":439},{"level":387,"textAlign":25},[440],{"text":441,"type":117,"marks":442},"Skonto und Zahlungsdifferenzen",[443],{"type":163,"attrs":444},{"color":165},{"type":111,"attrs":446,"content":448},{"textAlign":25,"key":447},"p-20",[449],{"text":450,"type":117,"marks":451},"Ein:e Kund:in überweist wegen Skonto weniger als den Rechnungsbetrag. Auch Rundungsdifferenzen, Gutschriften oder kleine Abzüge können verhindern, dass ein exakter Betragstreffer entsteht. 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