Share your reflections and ideas for automatic bank reconciliation

Turning off auto-reconcile prompts in bank reconciliation can be helpful if you prefer more control over how transactions are matched, especially when dealing with complex or irregular entries. It reduces interruptions and lets you review everything manually, which can improve accuracy in certain accounting workflows. However, it also means you’ll need to be more disciplined with regular reconciliation to avoid missing discrepancies. In a way, it’s similar to how kukasoittii emphasizes giving users control over their experience—balancing automation with flexibility so nothing feels forced or confusing. Are you trying to reduce errors, or just make the reconciliation process faster and less distracting? https://kukasoittie.fi/

I've tried auto-reconcile on our Stripe credit card feed and had to turn to off and reverse all its work. I won't trust it again.
I'm not sure if this is the best place to comment but here goes anyway....
For those who don't know, a Stripe feed is about the easiest to reconcile as Stripe gives us a record with the customer name, invoice/order number and (I think) email. I can't ever remember struggling with their incoming feed vs our records fed from WooCommerce orders.
However, autoreconcile happily matched items without regard to any of those identifiers, seeming only to care about the amount. As we have many transactions of the same standard amount that is almost useless to us.
I had a blissful few days when I thought "This is easy" before I discovered that we were marking the wrong invoices as paid and risking fulfilment to people who hadn't in fact paid.
As a result I had to turn off auto-reconcile and rework all of them. Which due to the quality of Stripe's feed was fortunately not a long task. There is no way I would turn it loose again, and certainly not on our main bank account.

Just because Xero thinks it is a good idea, doesn't mean I want it!

I totally agree, get really p*ssd off at the constant prompts, telling me how I should be running my business.
I want to be able to turn them off once, & not have these things shoved in my face all the time.

Auto rec is a good example, here is another- telling me to include payment links on emails.
If I thought it was a good idea I would be doing it by now!
Instead am told by my IT guy NEVER EVER to click on links in emails.
Every time I dismiss this reminder, it keeps coming back.
Bung

I'm really tired of the auto thingies suggesting payroll payable as the account for everything except payroll payable, where it usually suggests a cost of sales account or occasionally office supplies.

Agree this is bloated up-selling. Awful and annoying. Minus points Xero.

I do not want it.

I will never want it.

It is just wasted space on my screen.

Yes, I also find these things irritating and intrusive. Also, when reconciling several bills against a single payment, the only option on the Description is 'Payment: Multiple Items' with blank Reference, instead of 'Payment: name of Payee' with Reference the invoice number. I need to be able to add the name of the Payee for clarity in the record, either in the Description or in the Reference area.

I also hate this idea. Like a lot of businesses which receive batch card payments this will never be relevant. Likewise the 'get paid online' prompt which is not a fit for many users, including my client.
There should be a 'Dismiss permanently' or "Read, do not show again' option please. For anyone suggesting I get a larger monitor, I'm doing this on a 27" iMac and still find it intrusive!

Same as the comments below e.g. Ability to deactivate "Turn Auto-Reconcile On" suggestion in all bank account screens in the main Xero settings to remove clients temptation to turn this on for bank accounts that it is not suitable for.

It's a pointless feature if you have to check the auto-reconciled transactions and without the authority to:

a) turn it off selected bank feeds
b) option in bank rules to opt-out a contact
c) option in contact account details to opt out

Agreed.

Having switched it off/opted out it should not be cluttering up my screen.

Helpfully, when I logged this as a support issue I was advised I could just get a bigger monitor ...

Yeah this banner gets in the way and needs to go. Tired of apps trying to inject AI into everything. The reason I prefer Xero over other products like Intuit is the lack of bloat and clutter, but that's starting to change as AI gets sprinkled all over everything.

I really want the ability to turn this off to prevent my clients from misclassifying bank transactions.

I would love to be able to turn this feature off. When the system "calculates" the number of auto-reconciled items, it takes time, which over the course of the day, leaves me staring at my screen waiting for the page to load, grumbling about Xero. I like Xero as a product. I would love the ability to turn this feature off so I can get back to business, instead of waiting for the Xero page to load.

Ability to deactivate "Turn Auto-Reconcile On" suggestion in all bank account screens in the main Xero settings to remove clients temptation to turn this on for bank accounts that it is not suitable for.