# Bank account ledger entries

What 365 business Banking adds to bank account ledger entries: message to recipient, end-to-end reference and the bank transaction FactBox.

A **bank account ledger entry** is created whenever you post to a bank account in Microsoft Dynamics 365 Business Central, for example a payment from the payment journal or a line of the payment reconciliation journal. 365 business Banking stores the payment details on the entry: the payment reference, the reference for the bank and the bank transaction the entry came from.

## Standard functionality in Business Central

In the standard product, the **Bank Account Ledger Entries** page lists every posting to a bank account with date, document, amount and open status. Bank account reconciliation closes the entries. See [Reconcile bank accounts](https://learn.microsoft.com/en-us/dynamics365/business-central/bank-how-reconcile-bank-accounts-separately) on Microsoft Learn.

## What 365 business Banking adds

### Additional fields

| Field | Meaning | Shown |
|---|---|---|
| **Message to Recipient** | The payment reference as it was sent to the bank. | column after **Description** |
| **Transit Account No.** | The transit account this entry was posted to instead of the bank G/L account. | hidden |
| **Transit Account Cleared** | Whether the amount has already been transferred from the transit account to the bank G/L account. | hidden |
| **In Transit** | Whether the amount is still on the transit account. These entries are excluded from **Balance excl. Transit** on the bank account card. | hidden |

Show the hidden columns via **Personalize**. For the transit account, see [Transit account](../transit-account.mdx).

365 business Banking also stores further fields on the entry without showing them on the page:

| Field | Purpose |
|---|---|
| **End-to-End Reference** | The reference under which the payment was sent to the bank. When the payment appears on the statement, application uses it to recognize your own payment. See [Recognise own payments](../bank-reconciliation/own-payments.mdx). |
| **Transaction ID** | The identifier of the bank transaction the entry came from. The **Bank Transaction** FactBox uses this identifier to find its details. |
| **Standing Order No.** | The standing order the entry belongs to. See [Standing order](../payment-types/standing-order.md). |
| **Remittance Advice No.** | The number of the remittance advice the payment was announced with. See [Remittance advice](../bank-payment/remittance-advice.mdx). |

### Bank transaction FactBox

If a bank account ledger entry comes from a retrieved bank transaction, the **Bank Transaction** FactBox shows its details as read-only:

- **Purpose**, split into sections,
- **Sender** or **Recipient** (depending on the sign) with **Name**, **IBAN**, **Account No.** and **Bank Name**,
- the transaction's **Classification**, **SEPA Purpose Code** and **ZKA Code**.

The FactBox only appears when a bank transaction exists for the entry. It is the same FactBox as in the payment reconciliation journal, which is described in [Payment reconciliation journal](../bank-reconciliation/journal.mdx).

#### Where the details come from

The details are stored in the **Bank Transaction Detail** table when the payment reconciliation journal is posted. If they are missing, for example because a retention policy deleted them, Business Central tries once per session to retrieve them again when the entry is opened:

| Bank connection | Can be retrieved again |
|---|---|
| PSD2/XS2A via finAPI | yes, as long as finAPI still knows the transaction |
| EBICS, camt file, payment service providers, Universal | no; the FactBox is then not shown |

You define how long the details are kept in [Retention policies for banking data](../setup/retention-policies.mdx).

## Other kinds of entries

The same **Bank Transaction** FactBox also appears in **Customer Ledger Entries**, **Vendor Ledger Entries**, **Employee Ledger Entries** and **General Ledger Entries** when the entry comes from a bank transaction (field **Bank Transaction ID**). This shows where the payment came from, even on an applied invoice.

From Business Central 27, 365 business Banking also adds the **Remaining Amount** column in **General Ledger Entries**. For G/L accounts whose entries are reviewed, it shows the amount not yet reconciled; choosing it opens the reviewed G/L entries. For more information, see [G/L entry matching](../bank-reconciliation/gl-entry-matching.mdx).

## See also

- [Bank account card](bank-account-card.mdx)
- [Transit account](../transit-account.mdx)
- [Recognise own payments](../bank-reconciliation/own-payments.mdx)