Basics·DE
Connecting bank accounts and paying invoices
Connect FinTS bank accounts, fetch transactions, match incoming payments automatically, and pay supplier invoices straight from Accountix.
What the bank connection does
Accountix talks to your bank directly over the German FinTS interface - no third-party aggregator in between. That enables three things:
- Fetching transactions: account movements arrive in Accountix regularly and are matched to invoices automatically (paid detection).
- Seeing the balance: on the Bank page and right inside the transfer dialog - where it is re-fetched live from the bank before you confirm.
- Transferring money: supplier invoices can be paid with one click; the bank asks for its usual approval (for example an app confirmation).
Connecting an account
Under Bank accounts → Connect account, your IBAN and online-banking credentials are all that is needed. The bank code and the FinTS endpoint are derived from the IBAN - Accountix ships a directory of more than 1,700 institutions for this. During setup you pick the TAN method (for example the SecureGo app); the bank confirms the connection once.
Every account belongs to a company. The Bank page, the transfer dialog, and the reports always show the active company's accounts.
Matching incoming payments
Incoming credits are compared against open invoices (amount, payment reference, invoice number). On a clear match the invoice is marked paid; on a near match the Bank page proposes the assignment and you confirm with one click.
Paying supplier invoices
An incoming invoice with a supplier IBAN on file shows "Pay now":
- Choose the account - the current balance is fetched live; if it does not cover the amount, the dialog warns you.
- Accountix submits the SEPA transfer to your bank.
- The bank requests a TAN or app approval if required; once confirmed, the invoice is marked paid.
Several invoices at once (collective transfer)
On the incoming-invoices page you can mark several open invoices and pay them in a single bank order via "Pay now (FinTS)": Accountix builds the SEPA collective transfer (the same pain.001 file you can alternatively download and upload to your online banking), submits it to the bank, and asks for the usual approval (TAN or app confirmation). Crucially, the order is submitted with single booking - the bank books every contained payment as its own account movement instead of one lump sum, so each payment can be matched to its invoice automatically.
Account types: operating, escrow, credit card
Every account has a type (Bank accounts → Edit → Account type). An escrow account (Anderkonto) holds third-party money - client funds, for example. Its transactions are therefore never matched to invoices (no suggestions, no automatic linking) and stay out of the cashflow report. The balance remains visible.
Transfers between accounts of the same company - say, the credit-card settlement or a sweep to the escrow account - are recognized automatically by the counterpart IBAN and flagged as internal transfer: they appear in no matching queue and distort no report. Payments between different companies of the same Accountix account (one company settling the other's invoice) are real payments, though, and are matched to invoices on both sides as usual.
The third type is the credit card: debits on the card account are real supplier payments and are matched to incoming invoices as usual. The monthly settlement between card and checking account is recognized as an internal transfer via the counterpart IBAN. When paying supplier invoices, the card is never preselected - the dialog always proposes the operating (checking) account.
One exception is deliberate: the disbursement from the escrow to the operating account is the moment client money becomes company money - that credit counts as a real incoming payment and is matched against open outgoing invoices as usual (with the invoice number in the payment reference, automatically).
Security
Banking credentials are stored encrypted and used exclusively for the FinTS connection to your bank. Every transfer requires approval through your bank's TAN method - without that approval, Accountix cannot move money.