Convert DBS statements to Xero.
Checked against the printed balances first.

1. 1Log in to digibank Online. On the Home screen scroll down to eDocuments and click Show All.
2. 2Choose eStatement, then filter by statement type (for example Current & Savings or Credit Card) and by year.
3. 3Click the statement month and it opens as a PDF. Save it from the viewer. eStatements are monthly or quarterly only; ad hoc and weekly statements are still paper.
4. 4In the digibank mobile app: tap More in the bottom bar, then eDocuments under Quick Access or Other Services, then eStatement, then the download icon on the month you want.
5. 5DBS IDEAL (business): main menu, Accounts, select the account, then eStatements and the PDF icon. Or Reports > Account eStatements for the whole list.

Then drop the file above. Several months at once is fine; each statement comes back as its own .csv file.

eStatements downloaded from digibank or IDEAL open without a password. DBS emails a notification that a statement is ready rather than attaching the PDF, so the file you upload will be the one you saved from the portal.

IDEAL business users can export MT940 and CSV for an ongoing Xero feed; personal digibank users get a short download window with no running balance. For history, converting the DBS eStatement gives Xero a CSV with money out negative, one currency section at a time on a Multi-Currency Account.

On an account page in digibank you can set a period and click Download to get a file that opens in Excel, with Transaction Date, Reference, Debit Amount, Credit Amount and reference fields under a header showing the ledger and available balance. The window is short: 6 months for current and savings accounts and only the previous two months plus the current one for other account types, and there is no running balance per row. eStatements, by comparison, are kept for 7 years from the month you enrolled in eDocuments, and a printed copy of anything older costs from S$20 to S$50 per month. IDEAL business users can export MT940 and CSV, which is the better feed for ongoing bookkeeping; for history and for the official record, convert the eStatement PDF.

1. 1Drop the statement on the home page and confirm the balance check is green.
2. 2Click Xero.
3. 3In Xero: Accounting → Bank accounts → the account → Manage Account → Import a Statement.
4. 4Upload the CSV. Xero recognises the columns; confirm and import.
5. 5Reconcile as usual. The statement balance in Xero should match the printed closing balance.

• For multi-currency accounts, convert one currency section at a time so each is checked against its own balance.
• 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.

None of this is bank-specific configuration. The balance check catches these cases for every bank; this list just explains what you will see on a DBS file.