Macrobank

A pre-configured, structured chart of accounts designed for payment and e-money institutions, covering assets, liabilities, equity, income, expenses, and off-balance-sheet items.

• Financial accounting and bookkeeping in one system — no separate accounting tool required alongside the core banking platform.
• Full General Ledger (GL) with statement of accounts, extended balance sheet, and trial balance reporting available directly from the back office.
• Multi-currency accounting with configurable currency rates, including central bank rate feeds and currency rate prioritisation.
• GL entries linked directly to transactions, giving a complete, traceable record from the accounting entry back to the originating payment event.

Every transaction is recorded as a balanced debit and credit entry — the universal accounting standard required of any regulated financial institution.

• GL entries are created automatically from payment and transaction events, eliminating manual input and the bookkeeping errors that manual processes introduce.
• Complete GL history with full audit trail: every entry can be viewed, traced, and reconciled back to its originating transaction.
• Profit and Loss reporting generated directly from the GL, giving accurate financial statements at any point in time without data exports or manual consolidation.

Full nostro and vostro account management, giving firms real-time visibility of positions across their correspondent banking relationships.

• Tracks balances across all correspondent accounts in real time, supporting accurate liquidity management and position monitoring across multiple banking relationships.
• Supports nostro transfers and nostro currency exchange directly within the platform, with corresponding account balance reports and grouping.
• Enables clear separation of own funds and client funds at the account level — a core requirement for all FCA-authorised payment and e-money firms under PSR 2017, EMR 2011, and CASS 15.
• Correspondent account balances feed directly into the reconciliation engine, ensuring accounting positions and safeguarding positions are always consistent.

Automated, continuous reconciliation engine designed to meet the FCA’s safeguarding requirements under CASS 15, effective 7 May 2026. Daily internal and external safeguarding reconciliations are mandatory for all authorised PIs and EMIs — Macrobank automates this process and produces the evidence firms need to satisfy their statutory auditor.

• Runs automated daily reconciliations to the D+1 standard required under CASS 15, covering both internal safeguarding reconciliations and external account reconciliations.
• Real-time visibility of safeguarding positions: firms identify shortfalls, breaks, and exceptions as they arise rather than discovering them during periodic review or audit.
• Dedicated reconciliation report built into the platform — a structured, audit-ready output that meets FRC assurance guidance expectations and can be provided directly to statutory auditors.
• Replaces spreadsheet-based reconciliation entirely, eliminating the manual error risk that the FCA has identified as one of the primary drivers of safeguarding failures across the market.