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is all we need to
sort your books.

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CATEGORIZING TRANSACTIONS

POS Settlement — MoniepointSales / money in
+₦186,400
TRF to Chuka Ventures LtdSupplier payments
-₦92,000
GIG Logistics — waybillLogistics
-₦14,500
SMS/Maintenance chargeBank charges
-₦1,250
TRF from personal acctPersonal / mixed
+₦50,000
DSTV subscriptionSubscriptions
-₦21,000

Sorting 214 transactions...

JUNE 2026 · CASH-BASED RECORD

12 items to confirm
Money in0
Expenses0
Estimated retained0
Needs review12 items
Cash-based recordUpdates after review
ExpensesRetained

!12 flagged items need confirmation

Confirm →
Business owner reviewing an order on her phone

Works with all kinds of statements - even POS and wallets

Trusted by small business owners across Nigeria

2404 Foods and LogisticsIle AdunDimosDe Pentagon Farms and Agro-Allied Services

Why your books aren't ready

Your money is in five places.Your records are in none.

Nothing here is unusual. It's just what running a Nigerian business through Instagram, a POS terminal and three apps actually looks like.

Not every credit is a sale

A customer payment, a refund, a loan from your brother, money moved between your own accounts, they all land looking identical in the statement.

Personal and business share a wallet

School fees, stock, fuel, a supplier transfer and a data subscription come out of the same balance. Nobody separated them at the time.

The money is spread across providers

Bank, POS, Opay, Moniepoint, PalmPay, transfers from a customer's cousin. No single provider ever sees the whole business.

How Rekoni works

Statement in. Books out in minutes.

Send it once. No forms, no data entry, no scrolling through alerts.

r.Rekonionline

Here is my bank statement for June

PDFJune_statement.pdf1.8 MB

Statement received. We’re organizing your transactions now.

Summary previewMoney in ₦3.84mExpenses ₦2.16mEstimated retained ₦1.69mUnclear items 12

Your cash-based summary is ready. 12 items need confirmation.

Message Rekoni
Small-business shop assistant standing in a produce store
1

Send your statement

Upload a PDF or CSV from your bank, POS provider or wallet—or send it to Rekoni on WhatsApp. No login, PIN, password or OTP.

2

Rekoni sorts every line

Money in, expenses by category, internal transfers pulled out, and anything it can't identify flagged rather than guessed.

3

See what you'd be filing

A clear summary of income, spending, what the business kept, and which records still need your input before anything goes to an accountant.

Your first financial clarity review is free.

Turn statements into a record you can file from

Sorted

Automatic transaction sorting

Rekoni separates money in, expenses and internal transfers, then groups spending into the categories a return is built from — without you reading a single line.

Sorted the way a return needs

Grouped

Clear spending breakdown

See where the money went across stock, suppliers, logistics, bank charges and subscriptions — the figures your accountant asks for, already grouped.

Grouped the way expenses get claimed

Flagged

Transactions that need attention

Rekoni flags unclear transfers and possible personal spending instead of guessing at them. A figure you can't explain is the one that causes problems later.

Nothing guessed on your behalf
TRF FROM PAYSTACK* OJA MART₦85,000
r.Online sale
Money in
Expenses
Transfers
?Needs review

Who Rekoni is for

Built for businesses without a finance team.

Solo entrepreneur working at a desk

Registered, selling online

You have a CAC certificate and no bookkeeper.

  • You registered to open a corporate account, and filing came with it
  • Sales arrive by transfer, POS and wallet, all at once
  • You need a record before you can file anything
Growing small-business team reviewing plans together

Growing past guesswork

Transactions grew faster than your records did.

  • Several accounts and providers to reconcile each month
  • An accountant who keeps asking for a clean breakdown
  • Reporting, lending or tax work coming up

The figures a return needs

See what you'd be filing

A month of transactions, turned into the figures a return is built from.
  • Money in, separated from transfers
  • Expenses grouped by category
  • What the business retained
  • What still needs your input
Upload statement
Small-business owner working beside her laptop and notebook
r.
June summaryCash-based record
Money in₦3,842,600
Expenses₦2,156,850
Estimated retained₦1,685,750
?
Unclear items12
Estimated retained₦1,685,750Cash-based. Confirm the 12 flagged items and this updates.
Sorted12 items left to confirm.
Small-business workshop owner checking materials and taking notes
Transaction categoryPersonal
Confirm

You can't file a guess

Rekoni doesn't guess

Statements don't say what a payment was for. Rekoni flags what it can't identify instead of inventing a category.

  • Sales, expenses and transfers separated
  • Personal spending highlighted, not absorbed
  • Unclear items flagged for you to confirm
  • Figures update as you confirm
  • A list of records you're still missing
Upload statement

Security

Secure by design. Private by default.

Rekoni only reads the statement you choose to send. Your bank credentials stay with you.
Nigeria Revenue Service, NDPR, ISO 27001, NITDA and Peppol

Start free. The rest is up to you.

Start with one free statement. Buy credits to use whenever you need them, or talk to us when your business runs several accounts.

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See what’s really in there

Free

One bank account, one statement · no sign-up

  • Every transaction sorted into money in, expenses and transfers
  • Every figure ties back to your closing balance — check it yourself
  • What your bank actually took — charges, fees, stamp duty
  • How much of your 'income' was really your own money moved in
  • Business money that went on personal things
  • A one-page summary you can download and keep

More than a few accounts

Books that stay current

Let’s talk

For businesses running several accounts every month

  • Everything in pay as you go, on every statement you send
  • Each new statement compared to the last
  • Books that stay current instead of rebuilt once a year
  • Records you can hand over the day anyone asks
  • A person to talk to when something doesn’t look right

Questions, answered

Frequently asked questions

Everything you need to know before sending your first statement.

Yes. Being exempt from paying is not the same as being exempt from filing. A registered company still submits a return after its accounting year-end even when nothing is owed — and even if it didn't trade at all that year.

Start here

See what you'd be filing.

Send one statement and get your books back in minutes. Then decide whether you want the full record.