Why convert a statement to Xero?
- Balances that tie out. A balance-reconciliation check verifies opening + transactions against the closing balance and every running balance, and flags any row that doesn't add up — you review it before it reaches Xero.
- No feed, or a closed account. Get transactions into Xero when the only record is a PDF and there's no live bank feed to pull from.
- Right dates, right signs. The Date column is formatted to your region and money-in/money-out signs match Xero, so the import doesn't scramble your ledger.
How it works
- Open the converter. No registration is required.
- Upload the statement. Drag and drop your PDF, or browse from your device.
- Convert to Xero CSV. Choose Xero CSV as the target format and click Convert.
- Import into Xero. Preview the extracted rows, unlock the full CSV (one-time $15), review any flagged rows, then import it against the bank account in Xero.
What gets flagged
Before the CSV is handed back, a deterministic reconciliation check runs. It flags the statement for review when:
- A row's printed running balance doesn't equal the previous balance plus that row's amount.
- The opening balance plus the sum of every transaction doesn't equal the closing balance.
- The transaction dates run out of order — a later row dated before an earlier one.
- No transactions could be read from the statement at all.
Flagged rows are surfaced for you to review — never silently exported as correct. You import into Xero with the totals already tied to the statement, or with a clear list of which rows to check first.
Good for
- Bringing a feed-less or closed account into Xero.
- Catch-up bookkeeping across several months at once.
- Migrating historical transactions during onboarding.
The exact CSV you get
Xero's bank-statement import needs a Date and an Amount and will map the rest. The file this converter writes has:
Date, Amount, Payee, Description, Reference— the standard import.- A pre-coded variant that appends
Account code, Tax Rate, for when you already know the coding and want Xero to accept it in one pass.
Money in is positive and money out is negative, which is the sign convention Xero reads. Reference is intentionally left empty rather than filled with a guess — Xero treats it as a matching key, and a fabricated reference is worse than a blank one.
Dates follow your organisation's country. Xero parses the Date column according to the region set on the organisation, so the converter writes MM/DD/YYYY for the US and DD/MM/YYYY for the UK, Australia, and New Zealand. This is the single most common cause of a statement importing with days and months swapped — the 3rd of April silently becoming the 4th of March.
FAQ
What CSV columns does Xero need? At least a Date and an Amount column; we also include Payee, Description, and Reference. Money in is positive and money out is negative, matching Xero.
Which date format is used? Xero reads dates by your organisation's country — MM/DD/YYYY for the US, DD/MM/YYYY for the UK, Australia, and New Zealand. The Date column is formatted to match.
Do you check the totals? Yes — a reconciliation check verifies opening plus transactions equals closing and that running balances tie out, flagging anything that doesn't before import.
Is my data private? Files are deleted after 1 hour, never used to train any AI model, and we never connect to your bank. All transfers are encrypted. This is a conversion utility, not financial or accounting advice.
What happens to rows that don't reconcile? They're flagged, not dropped. The row still appears in the CSV, but the statement is marked as needing review with the specific checks that failed, so you can verify against the original before importing into Xero. Nothing that fails the balance check is passed off as verified.
Does it handle multi-currency statements? Amounts are converted exactly as printed, in the statement's own currency. The converter does not perform any foreign-exchange conversion, so if a statement mixes currencies, import each currency against the matching Xero bank account.
Related
- Bank statement → QuickBooks → for QuickBooks instead
- Bank statement → CSV → a plain spreadsheet
- PDF → QBO (Web Connect) → import as a .qbo file
- All supported formats →