diff --git a/beancount_import/reconcile.py b/beancount_import/reconcile.py
index df375ef5..78edd5d0 100644
--- a/beancount_import/reconcile.py
+++ b/beancount_import/reconcile.py
@@ -25,6 +25,8 @@
 
 from .matching import FIXME_ACCOUNT, is_unknown_account, CLEARED_KEY
 
+UNCONFIRMED_ACCOUNT_KEY = 'unconfirmed_account'
+NEW_ACCOUNT_KEY = 'new_account'
 display_prediction_explanation = False
 
 classifier_cache_version_number = 1
@@ -722,18 +724,53 @@ def _get_primary_transaction_amount_number(self, transaction: Transaction):
                 return -source_posting.units.number
         return None
 
+    def _get_unknown_account_names(self, transaction: Transaction):
+        return [posting.account for posting in transaction.postings if posting.meta is not None and NEW_ACCOUNT_KEY in posting.meta]
+
+    def _has_unconfirmed_account(self, transaction: Transaction) -> bool:
+        return any((posting.meta is not None and UNCONFIRMED_ACCOUNT_KEY in posting.meta)
+                for posting in transaction.postings)
+
+    def _group_predicted_accounts_by_name(self, transaction: Transaction):
+        '''
+            Takes a list of postings with candidate account names,
+            and groups them into groups that should share the same exact account.
+            Expects each predicted posting to have an UNCONFIRMED_ACCOUNT_KEY meta field.
+        '''
+        num_groups = 0
+        group_numbers = []
+        predicted_account_names = []
+        existing_groups = {}  # type: Dict[str, int]
+        new_accounts = []
+        for posting in transaction.postings:
+            if posting.meta is None or UNCONFIRMED_ACCOUNT_KEY not in posting.meta:
+                continue
+            group_number = existing_groups.setdefault(posting.account,
+                                                        num_groups)
+            predicted_account_names.append(posting.account)
+            if group_number == num_groups:
+                num_groups += 1
+            group_numbers.append(group_number)
+        return predicted_account_names, group_numbers
+
     def _get_unknown_account_predictions(self,
                                          transaction: Transaction) -> List[str]:
-        group_prediction_inputs = self._feature_extractor.extract_unknown_account_group_features(
-            transaction)
-        group_predictions = [
-            self.predict_account(prediction_input)
-            for prediction_input in group_prediction_inputs
-        ]
-        group_numbers = training.get_unknown_account_group_numbers(transaction)
-        return [
-            group_predictions[group_number] for group_number in group_numbers
-        ]
+        if self._has_unconfirmed_account(transaction): 
+            # if any of the postings have an unconfirmed account, then prediction was handled by smart_importer
+            predicted_account_names, _ = _group_predicted_accounts_by_name(transaction)
+            transaction.meta[UNCONFIRMED_ACCOUNT_KEY] = True
+            return predicted_account_names
+        else:
+            group_prediction_inputs = self._feature_extractor.extract_unknown_account_group_features(
+                transaction)
+            group_predictions = [
+                self.predict_account(prediction_input)
+                for prediction_input in group_prediction_inputs
+            ]
+            group_numbers = training.get_unknown_account_group_numbers(transaction)
+            return [
+                group_predictions[group_number] for group_number in group_numbers
+            ]
 
     def _make_candidate_with_substitutions(self,
                                            transaction: Transaction,
@@ -754,8 +791,12 @@ def _make_candidate_with_substitutions(self,
             unique_id: account
             for unique_id, account in zip(unique_ids, new_accounts)
         }
-        group_numbers = training.get_unknown_account_group_numbers(transaction)
-        unknown_names = training.get_unknown_account_names(transaction)
+        if transaction.meta is not None and UNCONFIRMED_ACCOUNT_KEY in transaction.meta:
+            _, group_numbers = self._group_predicted_accounts_by_name(transaction)
+            unknown_names = self._get_unknown_account_names(transaction)
+        else:
+            group_numbers = training.get_unknown_account_group_numbers(transaction)
+            unknown_names = training.get_unknown_account_names(transaction)
         substitutions = [
             AccountSubstitution(
                 unique_name=unique_id,