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Zoho Books

Bank Account (Books)

A bank account in Zoho Books is a financial account record that mirrors your real-world bank or credit card account, used to…

A bank account in Zoho Books is a financial account record that mirrors your real-world bank or credit card account, used to record all cash inflows and outflows, import bank transactions automatically, and perform monthly bank reconciliation.

Setting Up Bank Accounts in Zoho Books

Go to Banking, then Add Account. You can add any current account, savings account, or credit card. Enter the account name, account number (the last four digits are used for display), the bank name, the currency, and the opening balance as of your Zoho Books start date. For most Indian banks including HDFC, ICICI, SBI, Axis, and Kotak, Zoho Books supports automatic bank feed connection, which imports all transactions from the bank directly into Zoho Books each day.

Bank Accounts and Payments

Every payment you receive from customers and every payment you make to vendors in Zoho Books requires you to specify which bank account the money moved through. This keeps your bank account balance in Zoho Books aligned with your real bank balance, provided all transactions are recorded and the account is reconciled regularly.

Multiple Bank Accounts

If your business operates multiple current accounts (for example, a collection account, a payroll account, and a petty cash account), add all of them in Zoho Books. You can transfer money between accounts using the Transfer Funds feature, which posts a debit to one bank account and a credit to another without creating income or expense entries.

Industry: E-commerce — A Pune online seller has three bank accounts in Zoho Books: an HDFC current account for operations, an Axis Bank account for payroll, and a virtual account for Razorpay settlements. All three are connected via bank feed. The accounts team categorises Razorpay settlements as income and transfers to the payroll account as internal transfers.
What is Bank Account in Zoho Books?

A bank account in Zoho Books is an account record that mirrors a real-world bank account or credit card, used to record all deposits and payments, connect to live bank feeds, and perform bank reconciliation.

How do I add a bank account in Zoho Books?

Go to Banking, click Add Account, select your bank, and enter the account number and opening balance. For supported Indian banks, Zoho Books can connect via bank feed to import transactions automatically.

Need help implementing this in Zoho?

Aaxonix is a certified Zoho implementation partner based in Pune. Architecture-first, no surprises.