Your rental income books itself.
Connect your bank account, done. CIRO matches 98% of all rent payments automatically and sorts every expense into the right category – so your year-end utility billing almost takes care of itself.
Read-only access · No transfers ever · GDPR-compliant
bookings matched automatically
automatic bank reconciliation
duplicate bookings possible
Accounting in detail
From bank reconciliation to learning-based matching – everything runs automatically
Your bank account – reconciled daily. Every transaction lands automatically in the right place.
Rent receipts
Expenses & receipts
Learning & detection
Your bank account – reconciled daily. Every transaction lands automatically in the right place.
In CIRO's smart landlord software
Accounting and banking for private landlords
Checking rent receipts, categorising expenses, attaching receipts to the right booking – CIRO handles all of this automatically in the background. CIRO reads your transactions once a day via the banking interface (PSD2 standard). First, fixed rules – no AI model – strip out everything that has nothing to do with your rentals; only the rental-relevant bookings are then validated and matched by the AI. In line with GDPR, only the minimum needed for matching is stored – and your data is never used to train the AI.
98% of rent payments match themselves.
The same story every month: tenants transfer, the account records the payment – and normally you sit down afterwards and manually match everything. Not with CIRO.
As soon as a payment arrives, CIRO automatically recognises who paid, which unit it was for, and which month it covers – based on tenant, amount, and payment reference. 98% of all incoming payments are handled this way – with no input from you.
The few edge cases – unusual amount, missing reference, new tenant – land in the reconciliation tab. You match them with a single click. And CIRO remembers the pattern: next time, the same case runs through automatically.
If a payment is missing, it shows up in the daily briefing from the AI assistant – you get a heads-up before you even start looking.
Receipts land where they belong. Doubles are impossible.
Upload a tradesperson's invoice by photo, record an insurance booking directly from bank reconciliation, automatically assign service charges to the right property: CIRO categorises by tax-relevant cost positions and attaches every receipt to the matching booking.
Every document runs through the SmartBar – it analyses content and amount, automatically recognises the right property, and files the receipt there. Tedious manual bookkeeping is gone.
If someone uploads the same document twice, CIRO blocks the second booking. Duplicate amounts, duplicate receipts, duplicate corrections – technically impossible.
And because everything is correctly categorised, allocable costs flow directly into your utility billing without any extra work.
Your account. Securely connected.
Bank connections are a matter of trust. Here's how CIRO handles yours.
Read only. Never transfer.
The connection runs exclusively as an account information service under PSD2. CIRO can see incoming payments – but cannot initiate any transfer. This is technically and regulatorily impossible.
You authorise directly at your bank.
You never log in to CIRO with your online banking credentials. The connection is established on your bank's own secure interface – using Strong Customer Authentication (SCA). CIRO only receives time-limited read access.
Your IBAN stays private.
CIRO stores your account number encrypted (AES-256) and only displays the last four digits. Account history outside the reconciliation period is not stored – only what is needed for the booking.
You stay in control.
The connection has to be actively renewed at regular intervals – a PSD2 requirement to prevent anyone from holding permanent access to your account. CIRO will notify you in good time before renewal is due. You can disconnect at any moment with a single click – immediately, with no consequences for your data in CIRO.
Bank connection via finapi.io – BaFin-licensed account information service (AIS), TÜViT-certified, PSD2-compliant, Made in Germany since 2008.
Your path to automated accounting
From your first manual entry to a learning reconciliation – CIRO grows with your portfolio.
Manual & time-consuming
The current situation
Manually matching every rent payment, storing receipts somewhere, hunting everything down at month-end. It costs time you don't have.
3–5 hrs
effort per month
Monthly
recurring routine
What automatic reconciliation means
compared to manual bookkeeping
3
hrs
reclaimed
Daily reconciliation
Transactions are automatically fetched daily and booked in CIRO – without any action on your part.
Learns from every correction
Match an unusual payment manually once, and CIRO remembers the pattern. Next time, the same payment is recognised automatically – across all accounts and tenants.
What you no longer need
Excel spreadsheets
Manual matching
Year-end tax stress
Folders full of receipts
How CIRO saves you time
Bookings that handle themselves.
matched automatically
98% of rent payments matched automatically – from CIRO Smart
reclaimed per month
Learns from every correction – the same mistake doesn't happen twice
duplicate bookings possible
Duplicate bookings technically impossible
GDPR-compliant
§556 BGB · §2 BetrKV
Encrypted data storage
German company
Frequently asked questions
No – this is technically and regulatorily impossible. The bank connection runs exclusively as an account information service (AIS) under PSD2. CIRO reads account movements but cannot initiate any payments. This is not a matter of settings – it is a matter of architecture.
CIRO uses finAPI for bank connectivity. finAPI supports most German banks – including Sparkasse, Volksbank, Deutsche Bank, ING, DKB, Commerzbank, and many more. A full list is available at finapi.io. If your bank is not listed, you can still enter bookings manually.
Technically, CIRO initially receives every transaction returned through your bank's PSD2 interface – no finer filtering is possible at the bank level. Right after the fetch, a rule-based filter (no AI model, just hard-coded rules) discards every transaction unrelated to your rentals – e.g. groceries, streaming, salary, private transfers. Only the remaining rental-relevant bookings ever reach the AI. Your private expenses are never stored, analysed, or passed to any AI model.
The connection is established via finAPI – a BaFin-licensed, TÜViT-certified open banking provider under PSD2 standards. You authorise the connection directly on your bank's own secure interface. CIRO never sees your online banking credentials. Your IBAN is stored encrypted, and only the last four digits are displayed.
Transactions that CIRO cannot match unambiguously appear in the reconciliation tab for manual review – clearly labelled with amount, date, and sender. You can see at a glance what is still open and match it with a single click. Once confirmed, CIRO learns from it: the same payment will be recognised automatically next month.
Yes – at any time, immediately, with no consequences for your data in CIRO. You will find the option under Settings → Connectors. The connection also has to be actively renewed at regular intervals – a PSD2 requirement to prevent anyone from holding permanent access to your account. CIRO will notify you in good time before renewal is due.
The bank connection is included from CIRO Basic: connect your account and CIRO reconciles your bookings rule-based – semi-automatic, you confirm the suggestions with a click. From CIRO Smart, the AI additionally handles validation and matching – fully automatic. In CIRO Free you enter bookings manually and upload receipts.
Connect your account – and stop typing bookings.
Start for free and set up your first bank connection – in under 2 minutes, no credit card required.