Your shop took £1,080 in card payments. A single £963 deposit lands in the business current account. Before you spend an afternoon looking for a missing £117, open the Stripe payout. In this example, £90 went back to a customer and £27 went on fees. The deposit is exactly right.
You can run the same check in Excel for each automatic GBP payout. Use Stripe’s itemised report for what made up the payout and a BankSync feed for what reached the bank. Keep both references so you can answer a bookkeeper’s question weeks later.
How three Stripe entries become one £963 deposit
| Illustrative payout items | Gross movement | Fees charged | Net included |
|---|---|---|---|
| Customer payment A | £600 | £15 | £585 |
| Customer payment B | £480 | £12 | £468 |
| Refund in the same payout | −£90 | £0 | −£90 |
| Total for this payout | £990 | £27 | £963 |
The fee figures are illustrative. The first two gross entries total £1,080. After the refund, gross movement is £990. The net values already include the fees, so adding the three net amounts is enough. Subtracting £27 again would make the workbook predict £936.
Put the bank deposits on their own worksheet
Save a workbook to OneDrive and add sheets named Bank, StripeItems and Review. In BankSync, connect the supported UK business current account that receives the payouts. Search for the business listing if your institution offers separate personal and business connections. UK bank connection guide
Under Integrations, connect Microsoft Excel with the account that holds the workbook. Create a Transactions feed, select the receiving bank account under Sources, then choose the OneDrive workbook and Bank worksheet under Destination. Map the date, description, account, credit amount and transaction ID. Check one known posted deposit against the bank and choose a sync schedule available on your plan. Excel connection guide · Transaction feed setup
Get the batch behind the payout
In Stripe’s Payout reconciliation report, pick a date range covering the payout’s estimated arrival date. Download the itemised CSV for the reconciliation section. Include automatic_payout_id, balance_transaction_id, currency and net. The first groups the entries, the second identifies each underlying movement. This walkthrough uses one Stripe account, one receiving account and GBP throughout. Stripe payout reconciliation report
Build the Excel check
Prepare the Stripe rows
Open the CSV and copy the relevant GBP rows into StripeItems. Put automatic_payout_id in column A and net in column B, with headers in row 1. Keep balance_transaction_id and currency in C and D. Check that the net cells contain numbers. If you import overlapping reports, keep each balance transaction ID only once.
Start one row per payout
On Review, put the Stripe payout ID in A2. Label columns B to E Expected net, Bank credit, Bank transaction ID and Difference. Use one review row per payout ID so the same payout appears only once.
Find the bank entry
In Bank, inspect posted credits around the expected arrival date. Compare receiving account, currency, amount, description and any payout reference shown by both sources. Once identified, enter the credit as a positive amount in C2 and the bank transaction ID in D2. Leave both empty while the match is uncertain.
In Review!B2, enter =IF(OR(A2="",COUNTIF(StripeItems!A:A,A2)=0),"",SUMIF(StripeItems!A:A,A2,StripeItems!B:B)). Excel sums the net rows for that payout ID. With an ID in A2 and no matching Stripe rows yet, the result stays blank. Microsoft’s SUMIF guide
In Review!E2, enter =IF(OR(B2="",C2="",D2=""),"",ROUND(C2-B2,2)). Copy both formulas down for the other populated payout IDs. Format B, C and E as GBP with two decimal places. The difference is the bank credit less the expected net. Zero means the amounts agree. You still need the supporting references to show that you matched the right records.
Read the Review row
| Stripe net | Bank credit | Difference | Action |
|---|---|---|---|
| £963.00 | £963.00 | £0.00 | Keep the confirmed bank transaction ID with this payout. |
| £963.00 | £960.00 | −£3.00 | Recheck the candidate deposit and the full batch. Keep the difference open. |
| £963.00 | No match yet | Blank | Check the receiving account, payout status and the date of the last bank sync. |
Resolve exceptions before closing the week
If a month-end payout has no deposit on the same day, compare the estimated arrival date in Stripe with the posting date on the bank statement. A later bank date can put the same transfer in the next month. If the bank entry is already visible but the batch export is missing, widen the report range and check whether the reconciliation data is available. Stripe’s report can lag the arrival of funds. Report timing
Two payouts can have identical net amounts. Before accepting either match, inspect any reference the bank supplies, confirm the destination account and check whether you have already used that bank ID on another review row. If the evidence still fits both, leave them open. On a cash forecast, use the date the deposit posted for actual cash received. Treat the underlying card sales as the detail behind that receipt.
Finish by filtering Review for blank differences and non-zero differences. For each open payout, record a next action, such as “check the October statement” or “verify the second £963 deposit”. You can then reconcile the rest of the current account separately. Stripe’s Balance report · Reconcile a UK current account in Excel
Product instructions and sources checked on 2 November 2026.