Convert Wise statement to QBO — accurate & reconciled

How Wise statements are structured

Wise statements are multi-currency documents: the account holds balances in several currencies at once, and the statement lists activity currency by currency, each with its own opening balance, transaction list, and closing balance. Every currency section behaves like a small standalone statement, and conversions between currencies appear as a pair of entries — money out of one currency and money into the other. Balances in a given currency can even be negative, and the sign is kept exactly as printed. Descriptions are long by bank standards: international transfers carry sender, recipient, and reference text that regularly wraps across lines. Our engine treats each currency section as its own account block, merges the wrapped transfer descriptions before export, and keeps the currency attached to every row so EUR activity never mixes with USD activity. Each currency is then reconciled independently: the opening balance plus that currency's transactions must equal the closing balance printed for that currency, with no netting across currencies. If one currency fails to tie out, the results page names the currency and the exact difference — nothing is silently forced to balance.