01
Cash & tills
Track cash collected by branch, till, cashier or shift.
Make sense of the money your business collects
BankMate gives businesses a clear mobile view of cash, card payments, transfers, bank drops, bank accounts and cashbook records so you can see what’s pending, what’s confirmed and what needs review.
Collections happen everywhere. Clarity usually doesn’t
Cash is counted before it reaches the bank. Card payments succeed before settlement lands. Transfers arrive with unclear narration. Bank drops are logged before confirmation. BankMate helps your team see the state of money without chasing screenshots, statements and spreadsheets.
02
Card settlements
See card collections that are still pending, delayed or confirmed.
03
Bank drops
Log deposits and follow them until they appear in the bank.
04
Needs review
Turn unclear money into a task that can be matched, handled or allocated.
A mobile money dashboard for businesses that collect money across many channels
BankMate starts with visibility, then helps teams reconcile, handle and optionally organize transactions into cleaner business records.
See all money positions without opening five apps
Balances, latest activity and subtle attention indicators keep the home screen clean while still showing what matters across cash, cards, banks and collections.
- Cash, bank, card and collection records in one place
- Latest activity as a reassurance signal
- Account details open in a slide-up sheet
Turn statement checking into exception handling
BankMate separates auto-matched items from manual review so teams do not have to scan every transaction line by line.
- Bank statement vs cashbook
- Automatic, manual and needs-review modes
- Running balance and book balance clarity
Every inflow gets a clear owner, meaning and next step
Handling is an inbox for money that needs a decision: who is connected to it, what it represents and what should happen next.
- Who paid or collected it?
- What does the payment represent?
- What happens next?
Optional accounts and ledgers for cleaner internal records
BankMate can hold lightweight business accounts and manual ledgers when a business wants to organize transactions inside Qbicles. It can also sit alongside a preferred external accounting system.
- Allocate transactions to simple business accounts
- Manual ledgers for extra records
- Trader can update BankMate or an external accounting system
Match what the bank shows with what the business expected
Compare bank statements with your cashbook, card settlements, bank drops, Trader activity, POS records, invoices and manual entries. Auto-match the obvious items. Review the exceptions.
Auto-matched
High-confidence matches are resolved quietly.
Resolved manually
Team members can explain unclear items without using spreadsheets.
Needs review
Exceptions become visible tasks, not hidden anxiety.
Every transaction should have a clear story
For unclear money, BankMate helps answer the simple questions that matter: who is it for, what does it mean and what needs to happen next?
Who
Who is connected to this money?
Customer, student, meter number, branch, till, staff, supplier, driver or account.
What
What does this transaction mean?
Sale, fee, deposit, settlement, invoice, bill, tax, fuel, transfer or voucher.
Action
What should happen next?
Confirm deposit, update account, mark invoice paid, generate token, allocate, hold or review.
Built to work inside Qbicles, without locking accounting choices
BankMate can receive useful records from Qbicles Retail POS, Trader, Stocknerd and manual entries. Businesses can organize records inside BankMate when helpful, or keep using a preferred accounting system outside Qbicles.
Qbicles Retail POS
Sales, tills, shifts, cashbook records and branch collections
Trader
Purchases, invoices, supplier payments and approvals
BankMate
Money view, statements, reconciliation, allocations and optional ledgers
Preferred accounting
Use BankMate records, external accounting, or both depending on setup
Accounts and ledgers are available when businesses need them
BankMate includes a lightweight chart of accounts and manual ledgers so businesses can allocate transactions and keep cleaner internal records. It stays optional: the main product remains money visibility, reconciliation and clarity.
Business accounts
Allocate money into simple accounts such as sales, rent, fuel, salaries, taxes and transfers.
Manual ledgers
Keep additional records for flows that do not come directly from POS, Trader or bank statements.
Trader posting
Trader can update BankMate records where configured, while still supporting external accounting workflows.
Accounting friendly
Businesses that already use another accounting system can keep it as their formal reporting destination.
supplier payments
VAT
transfers
electricity
card fees
rent
taxes
fuelsalaries
WHTsalesOwner withdrawalssupplier paymentsVATtransferselectricitycard feesrenttaxesfuelsalariesWHTsalesOwner withdrawals
Start with manual records, imports and connected systems
BankMate does not wait for perfect bank feeds. It works with cashbook entries, imported statements, settlement reports, manual ledgers and available connected records. As patterns become clear, it can suggest matches, actions and allocations.
01
Record
Log cash drops, bills, bank deposits and expected collections.
02
Import
Bring in bank statements, settlement reports and cashbook records.
03
Match
Review suggested matches between statements and business records.
04
Organize
Allocate transactions to accounts or export to another accounting system.
Use cases
Built for collection-heavy businesses
Retail stores
Tills, cash drops, card settlements, transfers and bank balances.
Restaurants
Branch cash, terminal settlements, supplier payments and delivery proceeds.
Petrol stations
Cash, POS, transfer collections, pump attendants, shifts and bank deposits.
Schools
School fees, student accounts, receipts and manual bank transfers.
Pharmacies & supermarkets
High-volume retail collections, cashbook checks and branch reconciliation.
Dues, levies & invoices
Association dues, permits, invoices, receipts and settlement records.
Ready to see your collections more clearly?
BankMate is live and rolling out gradually through Qbicles ecosystem users and selected collection-heavy businesses. Tell us how your business collects money and we’ll review the best activation path.