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

1. 1Sign in to Halifax Online Banking and select the current account from the account overview.
2. 2On the account page choose "Statement options", then the download option, and pick the statement period from the drop-down.
3. 3Choose PDF and save the file; each statement period saves as its own document.
4. 4Credit card statements cannot be downloaded from Halifax Online Banking at all; Halifax tells you to ask for a PDF through online chat or to use the app instead.
5. 5In the Halifax app: open the account, tap the three-dot menu, then "Download or print statement", choose the month and year, and save. The app reaches back at least ten years against seven in Online Banking, and it is the only self-service route to card statement PDFs.

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

Halifax statements saved from Online Banking or the app open without a password. Card statement PDFs sent after a chat request have also arrived unprotected on the ones we have handled; if a file does ask for one it was added after it left Halifax.

The Halifax CSV already carries a balance per row, so for a few recent months Xero can usually take it after a tidy-up. For periods past the export window, or when one PDF covers two or three months, converting the statement gives Xero a single CSV checked from the first Balance on line to the last.

Under "Statement options" there is an export choice that produces CSV or QIF for a date range you pick. The range is short: the Lloyds Banking Group platform generally offers a few months per file, though the picker on Bank of Scotland allows a tax year, so on Halifax check what the date boxes accept for your account rather than assuming. The CSV has Transaction Date, Transaction Type, Sort Code, Account Number, Transaction Description, Debit Amount, Credit Amount and Balance, so unlike many bank exports it does carry a balance per row. What it lacks is the statement framing: no "Balance on" opening line, no Money In and Money Out totals, and the type code sits in its own column rather than in the description your bank rules were written against. Halifax quotes seven years of statements in Online Banking and at least ten in the app, so for anything past the export window the PDF is the only complete record and it is the one that ties out.

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.

• Money In is printed before Money Out, the opposite of Lloyds and most other UK banks; columns are read by heading, so the sign follows the label rather than the position.
• Statement periods do not always run a calendar month, and on quieter accounts one PDF can cover two or three months; the running balance on every row still ties from the first Balance on line to the last.
• Reward payments and the monthly account fee arrive as their own lines and are easy to mistake for interest; in the check they are ordinary credits and debits.
• 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 Halifax file.