Bank Accounts
Attaching your banking details to neoo is what makes Swiss QR-bills, payment files, and reconciliation work. Go to System → Bank Accounts (requires the bank accounts permission) to set them up.
Where bank accounts come from
A bank account in neoo is simply a ledger account from your Chart of Accounts that is marked as a payment account (a Payment tick under Include in drop-down menus). The Bank Accounts page lists exactly those accounts and lets you attach the real-world banking details — IBAN, QR-IBAN, BIC — to each one.
That’s also why there is no add button here: to add a bank account, create (or edit) the ledger account in the Chart of Accounts and give it a Payment assignment. It then appears in this list automatically.
The list shows each account with its details at a glance — account number, description, bank name, IBAN, QR IBAN, BIC/SWIFT, the additional bank identifiers, the QR text fields, and whether the account is closed. Use Export XL to download the list as a spreadsheet and Export PDF to print it.
Editing bank details
Click an account number in the list to open the Edit Bank Account dialog.
Bank Name plus either the IBAN or the QR IBAN must be filled in — an account can’t be saved without them.
Bank Information
| Field | Description |
|---|---|
| Bank Name | Name of the bank (e.g. UBS, PostFinance). |
| IBAN | Your account’s IBAN. Used as the debit account on payment files and for matching imported bank statements. |
| QR IBAN | Your Swiss QR-IBAN. Required for generating Swiss QR-bills on invoices — see Swiss QR invoices below. |
| BIC/SWIFT | The bank’s BIC/SWIFT code. Needed mainly for payments outside Switzerland. |
| Member Number | Your member/participant number with the bank, if you have one. |
| Clearing Number | The Swiss bank clearing (BC) number. |
| DCN | Additional payment-slip identifier — fill it in only if your bank requires it. |
| RVC | Additional bank identifier — fill it in only if your bank requires it. |
| Invoice Description QR | The text your customer sees when scanning the QR-bill — see Swiss QR invoices below. |
| Structured Bank Info | The QR-bill’s machine-readable billing information (Swico S1) — see Swiss QR invoices below. Leave it empty unless your customers’ software imports it. |
| Payment Reference | A reference some banks want the payer to quote (e.g. your company name and country). It is printed together with the Bank Name, IBAN and BIC as the payment-details block on invoices and reminders; that block is switched on in the invoice layout editor. |
| Closed | Retires the account — see Retiring a bank account below. |
Address Information
You can record the bank’s address for your records — Street Name, Address 2, City, State/Province, ZIP/Postal Code and Country are kept. The Street Number and Postal Office boxes are shown in the dialog but are not stored at present, so put the house number in Street Name if you need it.
The ledger side of the account — its GL account number, currency, and description — is not edited here; change those in the Chart of Accounts.
Retiring a bank account
To retire a bank account, tick Closed in the Edit Bank Account dialog. This sets the same flag as the ledger account’s Closed status — closing it here or in the Chart of Accounts has the same effect. A closed account disappears from payment dropdowns and from the account list in Reconciliation; its transactions and report history remain intact.
Swiss QR invoices
neoo can create Swiss QR-bill payment slips automatically. The QR code encodes your payment details so customers can scan and pay without manual data entry — and, if you use the structured reference, so your incoming payments can be matched to invoices automatically.
To enable QR-bills, the bank account you use for customer payments needs these fields filled in on this page:
| Field | Required | What it enables |
|---|---|---|
| QR IBAN | Yes | Encoded in the QR code as the creditor account. Without it, no QR slip can be generated for this account. Must be a valid Swiss QR-IBAN — the bank identifier in positions 5–9 falls in the range 30000–31999; your bank issues it separately from your standard IBAN. |
| Invoice Description QR | Optional | The text shown in the Additional information section of the QR slip — what your customer reads when scanning. Leave it empty and the invoice description is used on its own; the placeholder <%invdescription%> inserts the invoice description into a longer text. Anything over 55 characters is shortened. |
| Structured Bank Info | Optional | The QR-bill’s billing information (Swico S1), encoded in the QR code for the payer’s accounting software — invisible on the printed slip. Enter it as a template: //S1/10/<%invnumber%>/11/<%invdate%>/30/<%uid%>/40/0:30 fills in the invoice number, the invoice date (as YYMMDD) and your UID digits per invoice. Available placeholders: <%invnumber%>, <%invdate%>, <%duedate%> (both YYMMDD), <%ordnumber%>, <%ponumber%>, <%customernumber%>, <%uid%> (digits of your UID), <%businessnumber%> (UID as entered), <%invdescription%>. Message and billing information share the QR-bill’s 140-character budget; when both are set the message is shortened, never the billing information. |
The creditor address on the QR-bill (your company name, street, postcode, city) is taken from System → Defaults → Company — make sure your company address is complete there, with the street number in its own field. The debtor address (your customer’s name and address) comes from the customer record on the invoice.
Once the bank account is configured, the only thing left is to point the invoice at it: the QR bill follows the first payment line’s account. See Swiss QR-bill on the Sales Invoice page.
Bank accounts in daily work
Once configured, your bank accounts are used across the app: as the payment account on invoices and transactions, as the debit account when you export or upload payment files from Bank Payments, and in General Ledger → Reports → Reconciliation to match your records against the bank statement.