Xero CSV · nothing uploaded
Bank statement to Xero import file
Drop a PDF bank statement and download a CSV in the layout Xero’s bank statement import expects: Date, Amount, Payee, Description and Reference. Nothing is uploaded.
Exports to Excel · CSV · QBO · OFX · QFX · Xero · Tally
How it works
Three steps. No upload.
The whole conversion runs in your browser tab, so your statement never reaches a server.
- 01
Drop the PDF
The statement for the bank account you want to fill in Xero. Old statements from before the feed started work too.
- 02
Check the dates and the balance
Choose the same date style as your Xero organisation, and fix anything the review screen flags.
- 03
Download and import
In Xero, open the bank account and import the file as a statement, then reconcile as usual.
The balance check
Find the gap before you reconcile
In Xero a missing row shows up at reconciliation: the statement balance in Xero stops matching your bank’s. By then you’re hunting through a month of lines.
We run the check first. Every row is added up and compared with the opening and closing balances printed on the statement, so “Off by 12.40” appears on the review screen with the page to look at, not in Xero. The Xero file itself has no balance column, because Xero doesn’t take one.
example-bank_2026-09.pdf
- Opening balance
- 5,210.00
- + Credits
- 4,820.15
- − Debits
- 2,457.43
- = We calculated
- 7,572.72
- Statement says
- 7,572.72
If the last row had been missed:
Off by 12.40 possible missed line on page 2
The file
Five columns, one row per transaction
This is a real export of a made-up statement. The amount is signed, with money out negative, which is how Xero reads the Amount column.
| Date | Amount | Payee | Description | Reference |
|---|---|---|---|---|
| 09/02/2026 | 2400.00 | Payroll deposit | Payroll deposit | |
| 09/03/2026 | -1850.00 | Rent · Oak Street LLC | Rent · Oak Street LLC | |
| 09/05/2026 | -63.18 | Card 4821 · supplies | Card 4821 · supplies | |
| 09/09/2026 | 1320.15 | Client INV-1042 | Client INV-1042 | |
| 09/12/2026 | -142.60 | City Power | City Power |
- Amount
- One signed amount. Money out is negative and money in is positive, with a dot decimal and no thousands separators.
- Payee
- The statement description, cut to 255 characters. Xero uses the payee for bank rules.
- Description
- The full statement description.
- Reference
- Left empty. The converter doesn’t fill it.
- Date
- Pick the style that matches your Xero organisation’s date setting: DD/MM/YYYY, MM/DD/YYYY or YYYY-MM-DD.
Import
Import into Xero
Xero, CSV
- 1.Open Accounting, then Bank accounts.
- 2.On the right account, choose Manage account, then Import a statement.
- 3.Pick the CSV, check that the columns match, and import.
- 4.Reconcile as usual.
Xero, OFX instead
- 1.If you prefer, download an OFX file from the same review.
- 2.Import it the same way, from Manage account, then Import a statement.
FAQ