Hi there, @jacques-pienaar-.
Thank you for posting here in the Community. I can share some information about the receipt capture feature in QuickBooks Online.
Yes, it's an additional feature to the Simple Start, Essentials, Plus, and Advanced version. As of now, the ability to capture receipts is available to US and UK customers only.
I appreciate your input on this feature. We continue to update the features, and this preference might be available in the future. As we assess this, you can visit our Resource Center for free tips in running your business.
Also, I've attached an article you can use to add or match bank data in QuickBooks: Categorise and match online bank transactions in QuickBooks Online.
Drop me a comment below if you have any other questions. I'll be more than happy to help. Wishing you a good one.