Bank feed and bank reconciliation for small trade businesses
Connect your business bank account once and Hubber reads what came in and what went out. Customer transfers are matched to their invoices, payments out are matched to bills, costs, expenses and wages, and you get one short list of what is left for a person to decide.
Connect once, with read-only access
The account owner connects the bank from Payment settings. You sign in on your bank's own secure page and approve read-only access, then pick the account. Hubber never sees your bank password and can never make, change or cancel a payment. It works with most UK business bank accounts. UK rules mean access has to be confirmed again about every 90 days, so Hubber reminds the owner a week before it runs out. Confirming takes a moment, and you can disconnect whenever you like.
- Read-only: Hubber can see transactions and the balance, and nothing more
- Only the account owner can connect, confirm or disconnect the bank
- A reminder a week before access needs confirming
Customer transfers matched to their invoices
Your invoices can carry your bank details, with the invoice number as the payment reference. When a transfer arrives with exactly one of your invoice numbers in its reference, and the amount equals what is owed to the penny, Hubber marks that invoice paid on the date the bank received it. Anything less certain waits on a For review list with Hubber's best guess beside it. Nothing is paid from a guess. A person presses Confirm, or picks the right invoice. A customer who paid in two or three parts can be confirmed in one go when the parts add up exactly.
- Exact matches can be marked paid automatically, or you can switch that off
- Wrong reference or a different amount always waits for a person
- Card payouts from Mollie are filed separately so they are never counted twice
Crews can check for a transfer on the doorstep
When a customer says they have just sent the money, the crew do not need to ring the office. On the job payment step of job sign-off they press Check bank. Hubber looks at the account and tells them whether a transfer for that job has arrived, with the time it was seen. They never see the customer's bank details or anyone else's payments. Banking rules limit how often an account can be read in a day, so each company has a small daily allowance of crew checks, and Hubber keeps one check of its own for every evening.
Money going out, matched to its paperwork
Card payments, direct debits, standing orders and transfers out are listed as they leave the account. Hubber suggests the record each one belongs to: a supplier bill, a business cost, a van maintenance record, an expense claim or a pay statement. You press Confirm. If the cost was typed in at one figure and the bank paid another, the bank amount wins and Hubber asks before it changes the record. Linking an unpaid bill marks it paid on the bank's date. Wage transfers are only shown to people who are allowed to see pay.
- One transfer can pay several bills when they add up exactly
- No record yet: create the bill, cost or expense straight from the payment
- Bank charges and tax payments can be set aside as needing no paperwork
Confirm a payee once and Hubber records it next time
The first time a new payee appears, Hubber suggests a category and supplier from the name and reference, and records nothing until you press Yes. After that, payments to the same payee are recorded by themselves at each bank check and carry a Recorded automatically badge with an Undo button. Hubber holds back whenever something else could explain the payment, and it never records a transfer to someone on your staff list. It also spots payments that repeat, such as rent or a van lease, and offers to track them as regular costs. If one goes missing or changes amount, you are told.
One Needs you list and the real bank balance
Everything still waiting for a decision sits in one Needs you list on the Costs page, largest amount first: payments with no record, bills due or overdue, and regular costs the bank has not shown. Clear the list and the books are up to date. The Cash Ledger in Accounting then shows every payment in and out of the account with a running balance, and Hubber reads the actual balance from your bank each evening to check against it. A Month check view shows how many of the month's payments are accounted for before you send figures to your accountant.
- A running balance built from the bank's own transactions
- Cash and petty cash kept in a separate section
- An Accountant role gives your accountant their own login to check the figures
Questions about bank feed
Can Hubber move money or make payments from my bank account?
No. The connection is read-only. Hubber can read transactions and the balance on the account you choose. It cannot send, change or cancel a payment, and it never sees your online banking password, because you sign in on your bank's own page.
Which banks does the bank feed work with?
Most UK business bank accounts. When you press Connect bank you choose your bank from a list and sign in with it directly. If your bank is not on the list, everything else in Hubber still works, and you can confirm payments by hand as you do now.
How often does Hubber check the bank?
Hubber checks every evening at 7pm. The account owner can press Check now at any time, and crews share a small daily allowance of Check bank presses during job sign-off. UK banking rules limit how many times an account can be read in a day without you present, which is why the checks are rationed.
What happens if a customer uses the wrong reference or pays the wrong amount?
The transfer is not matched automatically. It waits on the For review list with Hubber's best suggestion, for example an invoice for the same amount under the same surname. A manager confirms it or picks a different invoice. Part payments are only accepted when the transfers add up exactly to what is owed.
Why do I have to confirm access every 90 days?
That is a UK open banking rule, not a Hubber one. Banks only allow read access for a set period, usually around 90 days. Hubber reminds the account owner a week before it ends. Confirming is one button in most cases, and nothing already imported is lost if it lapses.
Can I undo something Hubber recorded automatically?
Yes. Any payment with a Recorded automatically or Matched automatically badge has an Undo button. Undo removes the link and the cost Hubber made, puts the payment back on your list, and stops Hubber recording that payment again by itself. You can still link it by hand.
Works with the rest of Hubber
Often used by: Removals House clearance Plumbers and heating
- AccountingProfit and loss, costs, VAT and a cash ledger without a spreadsheet.
- Invoicing and paymentsDeposits, final invoices and card payments by link.
- Crew app and job sign-offCrews follow the checklist, take photos and get the customer's signature.
- Customer storageTrack stored goods and invoice each period automatically.
Run your next job in Hubber
Start a 14-day free trial. Set up your services, send a quote and book a job today.
A card is needed to start the trial. You are not charged until day 15, and you can cancel before then.