How do I import a bank statement into Xero?

Upload your PDF bank statement on this page. Our AI extracts every transaction and generates a CSV file formatted for Xero. Then in Xero, go to Accounting → Bank Accounts → Import a Statement → select the CSV file. Map the Date, Description, and Amount columns when prompted.

What CSV format does Xero accept?

Xero accepts CSV files with at least three columns: Date, Description (or Payee), and Amount. Our export uses this exact structure with a signed Amount column (negative for debits, positive for credits) and an optional Description field with the merchant name.

Can I import a PDF bank statement directly into Xero?

Xero cannot read PDF files directly. You need to convert the PDF to CSV format first — which is what this tool does. Upload your PDF here, download the CSV, then import it into Xero using the manual statement import.

Does Xero detect duplicate transactions from my import?

Xero compares imported transactions against existing bank feed entries by date and amount. If your bank feed is already connected and covers the same period, Xero may flag duplicates. Review the reconciliation screen carefully after importing.

Can I use this alongside Xero's bank feed?

Yes. If your bank isn't supported by Xero's automatic feed, manual CSV import is the standard workflow. You can also use it to backfill historical transactions that predate your bank feed connection.

Which banks are supported?

Any bank worldwide that provides PDF statements — Chase, Barclays, HSBC, Lloyds, NatWest, Deutsche Bank, BNP Paribas, ANZ, Westpac, Commonwealth Bank, and thousands more. Scanned paper statements also work.

Is my bank statement data kept private?

Your PDF is processed in memory and immediately discarded — never stored on disk, never shared. Only the structured transaction data is saved temporarily to generate your CSV file.

Import PDF Bank Statement to Xero CSV (2026)

Bank statement to Xero

Upload a PDF — get a Xero-ready CSV with every transaction extracted and formatted for import .

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Choose The Right Tool

Need all export formats?

Use the converter owner page when you want CSV, Excel, QIF, OFX, QBO, and other export options from one workflow.

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Need a generic CSV export?

Use the CSV page when the destination is a spreadsheet, script, or another system beyond Xero.

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Need QuickBooks instead?

Use the QuickBooks or QBO path if the destination is QuickBooks Online rather than Xero.

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How it works

Three steps to import into Xero

Upload your bank statement PDF

Drop your PDF — digital or scanned. JPG and PNG images also work. Any bank worldwide.

AI extracts every transaction

Our AI reads every transaction — date, description, amount — and formats it into a Xero-compatible CSV with signed amounts.

Import into Xero

Download your CSV. In Xero: Accounting → Bank Accounts → Import a Statement. Map columns and import — done in seconds.

PDF bank statement being converted to Xero-compatible CSV file

statement.pdf→ xero-import.csv

Xero-ready format

CSV that maps correctly on the first try

The converter handles the details that trip up manual CSV creation: dates are formatted consistently, debit and credit columns are merged into a single signed amount, and merchant names are preserved as the Description field.

When you import via Accounting → Bank Accounts → Import a Statement, the columns map correctly without reformatting. No more wrestling with date formats or flipped debit/credit signs.

What you get

CSV formatted for Xero

Every column structured exactly how Xero expects it — no reformatting needed.

Consistent dates

Dates normalized to DD/MM/YYYY or your preferred format — no mixed date styles from different banks.

Signed amounts

Debits as negative, credits as positive in a single Amount column — exactly how Xero reads it.

Clean descriptions

Merchant names extracted and cleaned — no truncated codes or garbled abbreviations.

Who needs bank statement to Xero

Anyone importing transactions from PDF statements into Xero.

Bookkeepers

Import client bank statements into Xero without manual data entry.

Accountants

Batch-import statements for reconciliation, BAS lodgement, and year-end.

Small business owners

Get your bank transactions into Xero yourself — no bookkeeper needed.

Historical backfill

Import old statements that predate your Xero bank feed connection.

Import any bank statement into Xero

Xero does not accept PDF bank statements directly — it requires a structured file for manual imports. The most reliable method is aCSV filewith Date, Description, and Amount columns — exactly what this tool produces. Upload your bank statement PDF, and AI extracts every transaction into a CSV that matches Xero's expected column structure.

This workflow is essential when your bank isn't supported by Xero's automaticbank feed, when you need to import historical statements that predate your feed connection, or when you're onboarding a new client whose books need backfilling. Rather than typing transactions by hand, you get a clean import file in seconds.

It works with statements from any bank worldwide — Barclays, HSBC, Lloyds, NatWest, ANZ, Westpac, Commonwealth Bank, Chase, Deutsche Bank, and thousands more. Whether the PDF was downloaded digitally orscanned from paper, the AI extraction handles both. Bookkeepers, accountants, and small business owners use this to cut hours of data entry down to a 30-second upload.

Secure

Your PDF is processed in memory and never saved to disk. All data is encrypted in transit.

Private

We never sell or share your financial data. Anonymous uploads are auto-deleted after 7 days.

Transparent

No hidden fees, no account required. Try it without an account, or create a free account for 1 analysis per month.

Pricing

See where your money goes

Upload a statement and get answers in seconds. No card required.

Free

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1 analysis / month
50 transactions per document
Auto-categorized transactions
Money flow visualization
Export to CSV, Excel, QIF, OFX & QBO

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Bank statement to Xero — FAQ

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