Why convert a PDF 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.
- The columns Xero expects. Date, Amount, Payee, Description, and Reference in the layout Xero's statement importer reads, with money-in positive and money-out negative.
- Region-correct dates. The Date column follows your organisation's country order, so a UK statement's 03/04 doesn't import as the wrong month.
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. Download the CSV, 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 Xero onboarding.
FAQ
What CSV columns does Xero need? At least a Date and an Amount column; the file also includes Payee, Description, and Reference. Money in is positive and money out is negative, matching Xero.
Which date format is used? The Date column is formatted to your organisation's country — MM/DD/YYYY for the US, DD/MM/YYYY for the UK, Australia, and New Zealand — so Xero doesn't misread days as months.
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.
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.
Related
- Bank statement → Xero CSV → more on the Xero import
- Bank statement → QuickBooks → for QuickBooks instead
- Bank statement → CSV → a plain spreadsheet
- All supported formats →