Bank statement to Xero.
Reconciled before you import.
Convert a PDF statement into the CSV layout Xero's bank statement import expects (Date, Amount, Payee, Description, Reference), reconciled against the printed balance first so what you import is what the bank says.
Drop your bank statements here
One file or a whole year. PDF, scanned image, CSV, QIF or OFX. Up to 12 files at a time; long PDFs are split for you.
Not ready to upload your own? See a sample result
5 pages free, no account. The Xero download appears on the results page.
Step by step: PDF statement to Xero
- Drop the statement on the home page and confirm the balance check is green.
- Click Xero.
- In Xero: Accounting → Bank accounts → the account → Manage Account → Import a Statement.
- Upload the CSV. Xero recognises the columns; confirm and import.
- Reconcile as usual. The statement balance in Xero should match the printed closing balance.
What usually goes wrong, and how this avoids it
- Xero's importer is strict about date format and stops on the first bad row; ours uses the format Xero documents.
- Positive/negative convention: Xero wants money out negative. Bank PDFs print it positive in a "Withdrawals" column. We convert.
- Missing statements create reconciliation gaps for years. Convert a whole year at once and the batch Summary shows which months balanced.
Xero questions
Why CSV and not OFX for Xero?
Xero imports CSV and OFX. CSV lets you see and fix descriptions before import, and it is the format Xero recommends for statements that did not come from a feed.
Can I import several months at once?
Yes. Convert up to 12 statements together and download the merged CSV, or one CSV per statement.
Does it handle the Payee and Reference columns?
The bank description goes to both Payee (first 100 characters) and Description, so Xero's bank rules match on either. Reference is left blank for you to fill during reconciliation.