Bank statement to Xero
Xero brings transactions in from a CSV with a date, an amount, and a description per row. Upload your statement, keep CSV as the output, and the file lands in the shape that import expects.
Upload a file
What the CSV for Xero contains
- A header row, then one row per transaction
- Date, description, and amount in their own fields
- Debits and credits kept on the side the statement shows them
- No totals rows from the statement carried across as if they were transactions
What Xero expects
Xero has no statement format of its own: its Import a Statement option reads OFX, QFX, QIF, CSV and QuickBooks files. This page produces CSV, so you can see every row before importing; Xero itself recommends OFX, which you can pick in the format menu instead.
Columns are matched during the import, so the file is deliberately plain: a date, a description, and an amount, with nothing merged or recalculated.
How to convert
Upload your statement
Drop in the PDF you downloaded from your bank, or a scan of a paper statement.
Choose CSV
Leave the output format on CSV — it is preselected on this page.
Import into Xero
Bring the CSV in through Xero’s bank import and match the columns.
Statements it handles
Layouts differ from bank to bank, so nothing is matched against a fixed template. An unusual statement still produces a table you can check before exporting — which is what makes it usable for bookkeepers and accountants who receive statements from every client.
PDF statements and CSV exports
A statement downloaded from your bank, or the CSV your bank lets you export. Both arrive as the same clean table.
Multi-page statements, read as one table
A statement that runs over several pages — or several statements uploaded together — is read as one continuous table, not one file per page.
Amounts and dates kept as your bank prints them
Debit and credit signs, decimal places and date formats are left as printed, so the numbers still reconcile against the statement.
Scanned, image-only PDFs, read with OCR
A statement with no text layer is read with OCR and may need a quick review — the one case where a row can come out wrong.
- CSV
- Scan
Rows are read by what they are — a date, a description, an amount — not by where they sit on the page, so a wrapped description stays with its transaction and a closing balance never becomes one. Why OCR mangles bank statements
Frequently asked questions
How do I import a bank statement into Xero?
Download the statement from your bank, convert it here with CSV selected, then bring the CSV in through Xero’s bank import and match the columns.
Which file format does Xero need?
CSV. Xero has no statement format of its own; its bank import reads a CSV with a date, description, and amount per row.
Can I convert a PDF bank statement for Xero?
Yes — upload the PDF and the output is the same CSV.
Why are there no categories in the file?
Categories are a bookkeeping decision, not data printed on the statement. They are set in Xero during or after the import.
Is my statement kept after conversion?
No. The file is deleted when the conversion finishes; only the converted copy stays at your private link.
Do I need an account?
No. The converter works without signing up.