Import Multi-Account Bank Statements Into Sage
Upload PDFs containing checking, savings, and credit card accounts. Zera AI automatically detects and separates every account, then exports Sage-ready CSVs — no manual splitting, no import errors.
Quick Answer
Sage requires one CSV file per bank account. When your PDF contains multiple accounts, you must split them first. Zera Books does this automatically using AI that recognizes account boundaries, then exports each account as a separate Sage-ready CSV with the correct column format (Date, Reference, Details, Amount). This eliminates the manual work of extracting, formatting, and splitting files for each account.
The Multi-Account Import Problem in Sage
Most accountants and bookkeepers use Sage to manage their clients' finances. The challenge arises when a client sends a single PDF that contains transactions from multiple bank accounts — checking, savings, a business credit card, and perhaps a line of credit.
Sage can only import transactions into one bank account at a time. If you upload a multi-account PDF or CSV, Sage will either reject the file outright or silently import only the first account's transactions while ignoring the rest. This forces bookkeepers into a tedious manual workflow:
- Download the PDF from the client's bank
- Manually identify where each account's transactions begin and end
- Copy each account's data into separate spreadsheets
- Reformat dates and amounts to match Sage's expected CSV structure
- Save each account as an individual CSV file
- Import each CSV into the correct Sage bank account — one at a time
For a single client with four accounts, this process can take 45 minutes to an hour. Multiply that across a firm with 30 clients, and the manual import work alone consumes entire working days. This is exactly the problem Zera Books multi-account support was built to eliminate.
How Zera Books Handles Multi-Account Sage Imports
Zera AI is trained on millions of financial documents. When you upload a multi-account PDF, it scans the entire document and identifies each account by recognizing account numbers, institution headers, and statement formatting patterns — even when the PDF uses inconsistent layouts or mixes account types.
Once the accounts are detected, Zera AI extracts every transaction with 99.6% field-level accuracy. It then generates a separate CSV file for each account, pre-formatted to match Sage's expected column structure — Date, Reference, Details, and Amount with the correct sign conventions for payments and receipts.
If you use AI transaction categorization, Zera Books can also auto-categorize each transaction before export, mapping them to your Sage nominal codes so you skip the manual categorization step entirely.
Step-by-Step: Multi-Account Import to Sage
Upload Your Multi-Account PDF
Drop your PDF — whether it contains one account or ten — onto the Zera Books upload screen. The platform accepts any bank format worldwide, including scanned documents and image-based statements.
Zera AI Detects All Accounts
The AI scans the document and automatically identifies each bank account present. It separates checking from savings, business accounts from personal, and credit cards from lines of credit — all without manual intervention.
Extract and Categorize Transactions
Every transaction across all detected accounts is extracted with 99.6% accuracy. If you have categorization rules set up, transactions are auto-mapped to your Sage nominal codes based on vendor names and transaction patterns.
Download Sage-Ready CSV Files
Each account is exported as its own CSV file, formatted exactly the way Sage expects. Date formats, column headers, and amount signs are all pre-configured for your Sage version — 50, Business Cloud, or Intacct.
Import Each CSV Into Sage
In Sage, navigate to Banking and select Import Statement for each account. Select the corresponding CSV, confirm the date format, and complete the import. With pre-formatted files, each import takes under 30 seconds.
Manual Sage Import vs Zera Books
See how the workflows compare when importing bank statements from multiple accounts into Sage
| Workflow Step | Zera Books | Manual Process |
|---|---|---|
| Account Detection | Automatic | Manual review required |
| Account Splitting | AI-powered | Copy/paste per account |
| CSV Formatting | Pre-formatted | Manual column mapping |
| Transaction Categorization | AI auto-categorized | Manual per transaction |
| Time for 4 Accounts | Under 2 minutes | 45–60 minutes |
| Error Rate | 99.6% accuracy | Human error prone |
| Scanned PDF Support | Not supported | |
| Pricing | $79/mo unlimited | Labor costs scale with volume |
Key Benefits of Automated Multi-Account Import
Eliminate Per-Account Manual Work
Stop copying and pasting transactions account by account. Zera AI detects and separates every account in seconds.
One Price, Unlimited Accounts
Whether you manage 3 accounts or 300, one flat subscription covers every Sage import across all your clients.
Sage-Ready on First Export
Every CSV is pre-formatted to match Sage column requirements — no manual mapping, no import errors, no re-exports.
Who Benefits Most From Multi-Account Sage Import
Accountancy Practices
Batch-process multi-account statements for dozens of Sage clients without manual splitting
Virtual Bookkeepers
Handle checking, savings, and credit cards for remote clients — all exported to Sage in minutes
Multi-Location Retail
Consolidate bank feeds from every store location into separate Sage-ready CSVs automatically
Property Management
Import statements for multiple trust accounts and operating accounts without mixing funds
Construction & Trades
Keep project bank accounts separate while importing all activity into Sage job costing
Professional Services Firms
Process partner and client operating accounts side by side for accurate Sage ledger entries
Frequently Asked Questions
Table of Contents
Real Results From Real Accountants
"My clients send me all kinds of messy PDFs from different banks. This tool handles them all and saves me probably 10 hours a week."
Ashish Josan
Manager, CPA at Manning Elliott
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