Image tooltip:Lien VerdicktLactation ConsultantCustomer since 2025
CODA+ by OkiOki: enriched CODA files for accountants
CODA files make your work as an accountant easier. Manual searching of statements is no longer necessary, nor manual entry of payments. The result: fewer errors and faster posting.
How do I get CODA files for all current accounts of all Belgian banks?
Many standard CODA files are not available for every bank. As a result, processing is less uniform and you can't rely on the same automation everywhere.
CODA+ helps to put an end to that problem. Via PSD2, OkiOki combines the familiar CODA format that works with all Belgian banks. Some foreign banks, such as N26 and Bunq, are also included.
How do I avoid waiting time and mandate fees?
Thanks to the way PSD2 works, no CODA mandate is required. This eliminates a lot of administration work, waiting time and mandate fees. Your client gives their own consent, accompanied by OkiOki.
How do I avoid bank fees for my client?
The extra bank fees associated with traditional CODA files are eliminated. There is also no need to open a more expensive business account.
Since CODA+ works via PSD2, a normal basic account is sufficient. And CODA is already activated on that account.
How can I process credit card payments more easily?
OkiOki collects the statements for Visa and Mastercard from all Belgian banks. The OCR technology - unique to OkiOki - converts it into individual payments.
The software then automatically searches for the corresponding receipts and converts these transactions into CODA files.
How can I easily add credit cards to my account documents?
OkiOki creates a unique IBAN for each credit card. This allows you to add a new account in accounting and import the monthly CODA files of the credit card. You can then easily process the payments.
How do I automate payments without structured recurring communication?
OkiOki links a payment without structured reference - such as restaurant receipts or invoices your client receives in-store - to the proof of payment. The app then translates this link into its own structured reference.
This is then added to both the proof of payment in the UBL and to the payment in CODA+. This allows your accounting software to process these transactions automatically.
How do I get more context regarding payments?
Another added value of CODA+ is the enrichment with information from OkiOki. Classic CODA files contain only the information available in the bank payment. However, you often need context to process a payment correctly. Was it a business lunch? Does the payment belong to a specific project? Did your client add a comment?
CODA+ adds this information to the payment in the CODA file so that you can process it correctly right away.
This is very useful, for example, when proof of payment is missing. The search for that elusive piece of paper can be quite a headache. But if your client indicates that the proof has been lost, you will see this immediately in the CODA file.
How do I get a complete CODA file right away?
Are you starting with CODA files for your client? You will then have access to the files from the activation. But you also need the payments from the previous weeks or months for the VAT declaration or quarterly closing. CODA+ fills those gaps.
OkiOki offers CODA files up to 90 days back in time. This means that you have access to the full range right from the start.
Is it time to renew the current account access permission? Then OkiOki will inform your clients. Did they forget to apply for the renewal? No problem, the 90-day retroactive effect also applies. You will therefore never have to deal with gaps in the CODA files.
How do I keep CODA automation affordable?
Mandate fees, bank fees, monthly fees - the price of standard CODA files can be very high.
But not with OkiOki’s CODA+. The price is set at only €1.60 per account per month. No mandate fees, no bank fees for your client and no hidden costs. In other words: OkiOki makes working easier, faster and more affordable.
Comparison between Codabox and OkiOki
Basic package
Codabox
OkiOki
Current accounts
Yes
Yes, for all Belgian banks and some foreign banks
Savings accounts
Yes
No
Credit cards
Yes, but only for BNPPF, Fintro, Crelan and AXA
Yes, for all Belgian banks
Basic data
Codabox
OkiOki
Tailored to the Belgian market
Yes
Yes
Available the next day
Yes
Yes
90 days retroactive
No
Yes
Numbering, date, opening and closing balance
Yes
Yes
Distinction between gross amount and commission for payments via payment terminals
Yes
Yes
Distinction between capital and interest for loans
No
Yes
Data enrichment
Codabox
OkiOki
Additional information provided by the entrepreneur, such as tags & comments
No
Yes
'Document lost' info
No
Yes
Structured references for all receipt transactions (from April 2023)
No
Yes
Cost
Codabox
OkiOki
Cost per account per month (euros, excluding VAT)
Yes, check your monthly statement
1.60
Mandate fee
Yes, once only
No
Bank fee for the entrepreneur
Yes, ranging from 5 to 9 euros per account per month
No
Problems?
CODA+ from OkiOki has the solution
CODA files are not available for all banks.
CODA+ is available for all Belgian banks via PSD2.
Classic CODA files require complex mandates.
CODA+ works without a CODA mandate.
Mandates result in waiting time and additional costs.
There are no mandate fees and no waiting time for CODA files.
Your client often pays bank fees for CODA.
Your client does not pay any bank fees.
Credit card payments require a lot of manual processing.
OkiOki converts Visa and Mastercard statements into monthly CODA files. In addition, the app creates a unique IBAN for each credit card.
Payments without structured reference require manual linking.
OkiOki adds its own structured reference to the UBL and CODA+.
CODA files contain little context, which is often required for correct processing.
CODA+ is enriched with tags, comments and additional information from OkiOki.
Is the proof of payment missing? Or perhaps not? Take a look.
OkiOki shows 'document lost' in the CODA file.
You only have access to the CODA files from the date of activation.
OkiOki also offers the CODA files up to 90 days before the start date.
Gaps may arise if consent is renewed too late.
The 90-day retroactive effect helps to avoid gaps.
CODA automation is often more expensive than expected.
You get access to CODA+ for €1.60 per account per month. No mandate fees, bank fees or hidden costs.
Schedule an OkiOki demo
CODA files for current accounts with all Belgian banks
Also Visa and Mastercard payments processed in CODA format
No CODA mandate, mandate fees or bank fees for your client
Payments without a structured reference are still processed automatically
As an accounting firm, we had been looking for a shared platform to collaborate online with our clients for a long time. A place where both our clients and our team could save time. OkiOki delivers everything we were looking for. During busy VAT periods, it saves us valuable time and makes collaborating with our clients much smoother.
Els VerhoevenDelta-Raad, uses OkiOki in combination with Adsolut
Thanks to the seamless integration with our other software, we always work with up-to-date figures at our firm. This improves the quality of our advice. OkiOki reduces stress for both entrepreneurs and accountants.
Thomas GoossensGoossens Accountancy, uses OkiOki in combination with Clearfacts & ExpertM
Frequently asked questions about CODA+ by OkiOki
Does OkiOki also offer SODA files?
Yes, OkiOki can also give you access to SODA files. Social secretariats are increasingly offering booking documents. That’s convenient, of course, provided that these documents are actually sent to you.
OkiOki helps with this. The app integrates with SD Worx’ Finbox and Liantis’ Digilinks. Are you entering the entrepreneur’s OkiOki e-mail address there? If so, the booking documents are then automatically sent via OkiOki to the correct file in the accounting software.
Acerta and Partena can now provide OkiOki with booking documents. This way, as an accountant, you’ll have an even more complete file, without having to chase after payroll entries. And all that at an affordable price: CODA files for current accounts and credit cards for €1.60 per account per month, with payroll accounting documents included free of charge.
Can OkiOki also provide CODA files for savings accounts?
Savings accounts are not available via PSD2. As a result, OkiOki cannot provide access to savings accounts and therefore cannot provide CODA files for these accounts.
Fortunately, that drawback is not a serious one. There are not usually that many transactions involving savings accounts. That’s why processing those accounts manually doesn't take that much time.
In a nutshell: for current accounts and credit cards, OkiOki takes a great deal of work off your hands. For savings accounts, the traditional, manual process applies for the time being.
As an accountant, am I obliged to use OkiOki’s CODA files?
No, not at all. The OkiOki CODA files are an optional service. You choose for each file whether you want to receive CODA files and for which accounts. For example, you can decide to only activate CODA files for Argenta current accounts. Or only for credit cards. Or simply anything that might be useful for that file.
In other words: you’re at the wheel and in control. OkiOki gives you extra options, but doesn't commit you to anything. This allows you to tailor the process to each file without disrupting your entire office workflow.
Can I receive CODA files from OkiOki without my clients using the OkiOki portal?
No. OkiOki can only offer CODA files to entrepreneurs who also use OkiOki.
There’s a good reason for that. During onboarding, the entrepreneur links their bank account to OkiOki. It is precisely thanks to this link that OkiOki can retrieve the account information and create CODA files.
For you as an accountant, this means above all certainty and clarity: as soon as a client works with OkiOki and links their account, the financial information can automatically be included in the file. Without separate intermediate steps or extra detours.
What are CODA files based on PSD2?
Perhaps you already work with CODA files. They replace traditional account statements and help you to enter financial transactions more easily.
Today, CODA files can come from two sources. On the one hand, there are the traditional bank statements which Febelfin used to convert into CODA files and which Codabox now markets. On the other hand, there is the account information that banks make available via PSD2.
PSD2 stands for Payment Services Directive. This is a European directive that regulates payment transactions and guarantees their security.
33reasons SA/NV, the public limited company behind OkiOki, is approved by the National Bank of Belgium as an Account Information Service Provider under PSD2. This enables OkiOki, with the entrepreneur’s consent, to retrieve account information from the bank. This consent is valid for 90 days. OkiOki then asks the entrepreneur for permission again. Based on this PSD2 account information, OkiOki creates CODA files and makes them available to the accountant. To you, in other words.
This gives you financial transactions in a form that makes it easy for you to work with. And your client? No more spending lots of time and effort on providing bank information.
Are there also CODA files for one-person businesses?
Yes. CODA files are also available for one-person businesses, at the same favourable rate.
This may be of interest to you as an accountant. Thanks to OkiOki, your client's finances are kept under control, they receive alerts when documents are missing and an alarm is triggered if there is a risk of invoices being paid twice.
The administrative workflows of one-person businesses is therefore also much more complete and more efficiently monitored. For you this means: less searching, fewer loose ends and better control of the file.
It’s just as attractive for your client. OkiOki gives them a better overview of their payments. So, they keep more money in their account.
Els Verhoeven Delta-Raad, uses OkiOki in combination with Adsolut
Thomas Goossens Goossens Accountancy, uses OkiOki in combination with Clearfacts & ExpertM