# 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.

## 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 does not have a statement file format of its own — its bank import reads CSV. That is why this page produces CSV rather than a Xero-branded file.
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

1. **Upload your statement** — Drop in the PDF or CSV you downloaded from your bank.
2. **Choose CSV** — Leave the output format on CSV — it is preselected on this page.
3. **Import into Xero** — Bring the CSV in through Xero’s bank import and match the columns.

## 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 used only to produce your converted copy and is deleted right after.

### Do I need an account?

No. The converter works without signing up.

## Related

- [Bank statement to CSV](https://statementconverterai.com/bank-statement-to-csv)
- [Bank statement to QBO](https://statementconverterai.com/bank-statement-to-qbo)
- [All bank statement converters](https://statementconverterai.com/)