Smart-matching. Supercharge your reconciliation

AI predictive learning to make balancing your books faster, smarter and more accurate.

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You’ve got early access to smarter transaction matching. You’ll reconcile with confidence with our AI predictive learning model that adapts to past matches - making balancing your books faster, smarter, and more accurate.

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More matches, less admin

The heavy lifting has been done for you. With smart-matching and quick-action buttons, you can approve transactions in seconds. No digging through records, no second-guessing — just review, approve, reconcile. 

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Know exactly where your money is

Get the full picture of your finances — see what’s been paid, what’s still owing and what needs chasing — all in one place. With clear insights into your cash position, you can make smarter decisions today and plan better for tomorrow. 

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Always audit and tax-ready

No more digging through spreadsheets the night before tax is due. With reconciled records, everything you (or your accountant) need is ready to go. They are accurate, up-to-date, and easy to report on.

How it works

We’ve incorporated predictive learning into suggested matches based on past behaviour. We use more fields from bank transactions to compare against MYOB transactions to get more accurate results. 

The new design guides you through matching with minimal effort.  You’ll be offered best match suggestions, instantly see the details of the suggested match, and where relevant, a quick list of multiple matches. Look out for the star, which marks smart-matched transactions — then just review and approve with a single click.

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When you first start using smart-matching, the suggestions might not always be the perfect match — and that’s expected. It uses predictive learning, so the more you approve correct matches and edit incorrect matches, the smarter and more accurate it gets over time, tailored to how you run your business.

Category suggestions

You’ll now see category suggestions based on the last category you used for a similar transaction. If it’s correct, hit the tick to accept. If you need to make a change, click inside the box to search or select from the list of categories.

Accept suggestions with just one click

If there’s only one suggested match, you can accept the suggestion with one tick. Or switch on auto-matching and we’ll match the transactions for you.

 

Quickly choose from a list of suggestions

You can see a list of suggestions with just one click. Pick the correct matches and hit save.

For more details, you can expand the bank transaction row and search all existing transaction records.

 

“Categorised” is now “matched”

We’ve changed the way we talk about matching transactions. Now, you can match bank transactions to an existing record or match to a category.

The “not matched” tab is your to-do list with all bank transactions waiting to be matched.

Using quick filters

Now you can filter transaction types with quick filters, making it easier to find transactions you need.

 

 

How to get the update

These updates are available to select users as part of an Early Access Program (EAP) from 29 May 2025. Participants have been told by email or in product message with details on how to access the EAP and which files are included.

Head to the bank transactions page to get started. Smart-matching will be switched on and ready to go.

 

Let us know what you think

Your feedback will help us shape what’s next. Look out for the survey link in in the banking screen. 

 For full information on early access, read our T&C’s. 

 

Your questions answered

 

Why are you making these changes?

Our goal is to make bank reconciliation faster, clearer, and more reliable — so you can work with confidence and spend less time on admin. These changes are designed to improve usability, reduce errors and give you a better, more intuitive experience every time you log in. 

How long is the Early Access Program?

The EAP will run for a limited time from Thursday 29 May 2025 and continue for up to 90 days, or until the new features are made publicly or commercially available. 

I have multiple files. Why can't I see the changes?

For the EAP, these updates are only available on selected files. We’ve sent you an email or in product message with information on the files included in the smart-matching early access.  

How do I give feedback?

We’d love to know what you think! You can provide feedback by clicking the ‘Give us feedback’ link in the top-right corner of the bank transactions page and completing the survey. 

Where can I view the EAP T&Cs?

Read the terms and conditions for the Early Access Program here.

Can I turn on and off the smart-matching feature?

Smart-matching will always provide suggestions, but you can turn off auto-matching so that all suggestions need to be approved.  

From the Bank rules page, toggle the “Match transactions to invoices and bills” setting off if you don’t want MYOB to automatically match transactions for you.  

 Category suggestions will always need approval, they won’t be auto matched. 

Why are some matches not correct?

Predictive learning tools take time to learn your patterns. The matches may not be perfect immediately – the more you approve correct matches and edit incorrect matches, the smarter and more accurate it gets over time. 

Can I tell if a transaction has been matched automatically, or manually?

Yes, automatically matched transactions are indicated by a black star icon Picture 7, Picture. Manually matched transactions won’t have an icon. 

Can I unmatch a transaction that's been matched?

Yes, you can unmatch by clicking the ‘x' that appears when you hover over a matched record in the ‘match’ column. Or expand the row to see the details and select 'unmatch’.  

 If a transaction has been reconciled, you’ll need to undo the reconciliation before unmatching.

Can I change the category or record of a transaction that has been smart-matched?

Yes, select the ‘x' that appears when you hover over a matched record in the ‘match’ column to unmatch. Then select an alternative category or transaction record from the list. Alternatively, you can expand the transaction row, select 'unmatch’ and then select categories or other records from there. 

 

How can I manage split transactions?

If a transaction has multiple suggested records that are correct, you can select multiple from the quick-select dropdown.  

 To split a transaction across multiple categories, expand the transaction row and use the ‘select categories’ tab to split the transaction across multiple categories.  


 

Does smart-matching work with transactions manually imported?

Yes, smart-matching will work with imported transactions. 

I already have bank rules set up. What happens to my existing rules with smart-matching?

Your rules will take precedence over smart-matching.

If the rule is for a spend money or receive money. You won't see the suggested smart-matching category.  

If the rule is an invoice or bill rule, you may also see a suggested category in the list with the invoice/bill rule suggestions. 


 

Will smart-matching work for previous unreconciled transactions?

Yes, smart-matching will work with previous unreconciled transactions.