Comparison
Zettl, or matching documents by hand in a spreadsheet?
With a handful of payments a month a spreadsheet will do. The more payments and documents, the more time copying statements and chasing receipts takes. Zettl does that work for you, but only for a Fio banka account and without doing the bookkeeping.
How it works
By hand: download the statement
Every month a bank statement, imported or retyped into a spreadsheet. With Zettl, Fio payments arrive on their own every morning.
By hand: collect documents
Save invoices from e-mails into a folder. With Zettl, forward them to your company address and AI reads them.
By hand: match
Row by row, work out what each payment belongs to. Zettl matches on its own and you review.
By hand: send to the accountant
Bundle the documents and the sheet. Zettl downloads the month's documents as one PDF with a summary.
By hand, or with Zettl
Bank payments
- By hand in a spreadsheet
- Download the statement and paste or retype it
- Zettl
- Every morning from the Fio API; older periods as GPC/ABO
Details from a document
- By hand in a spreadsheet
- Copy vendor, date and amount
- Zettl
- AI reads them from PDFs and photos
Matching
- By hand in a spreadsheet
- By hand, row by row
- Zettl
- Automatic, with a score; undo in one click
One payment, several invoices
- By hand in a spreadsheet
- Add them up on a calculator
- Zettl
- Finds the exact sum of up to 6 documents
What's missing
- By hand in a spreadsheet
- A filter or colours in the sheet
- Zettl
- Unmatched payments in the month view
Files for the accountant
- By hand in a spreadsheet
- A folder of documents and the sheet
- Zettl
- One PDF a month with a summary, the Fio statement, a payments CSV
Price
- By hand in a spreadsheet
- Your time
- Zettl
- From 150 Kč a month, first 14 days free
Good to know
- A spreadsheet will do if you have only a few payments a month, or an account at a bank other than Fio: Zettl does not support other banks.
- Zettl does not do the bookkeeping or file tax returns. It prepares matched payments and documents for your accountant.
- Automatic matching can get it wrong. That is why every match has a score and can be undone; the final check is yours.
- Your data doesn't stay locked in: export payments as CSV and documents as PDF.
Frequently asked questions
Short answers on this topic.
When is Zettl not worth it?
When you have only a few payments a month that you match in minutes, or when you don't bank with Fio banka. Zettl can only download payments from Fio.
Can I get my data back into Excel?
Yes. Export a year of payments as CSV and issued invoices as XLSX. Download a month's documents as one PDF.
Can I try Zettl without commitment?
Yes. The first 14 days are free and you enter no card. After that Start costs 150 Kč and Firma 350 Kč a month; we are not VAT registered, so the price is final.
Read next
- Matching payments with documentsZettl looks for the receipt or invoice for each Fio banka payment by amount, date and vendor. Whatever is left unmatched, you see at once.
- Monthly files for your accountantZettl shows which payments still lack a document and downloads the month's receipts as one PDF with a summary. The Fio statement as PDF, payments as CSV.
- Fio API for bookkeepingHow to connect Fio banka with an API token: Zettl downloads your account movements every day and matches them with documents. Read-only, no right to send payments.