If your bank provides a transaction download that Xero accepts, start with that file. For a historical statement available only as PDF, convert it, review the extracted rows, and then prepare a Xero CSV.
Understand the required fields
Xero's CSV statement import requires Date and Amount. A single Amount column holds incoming and outgoing values with the appropriate signs. Payee, Description, and other details can help you identify transactions during reconciliation.
Use Xero's CSV import instructions for the current template, mapping steps, and date settings.
What our Xero export produces
The Xero CSV export contains *Date, *Amount, Payee, Description, and Reference headings. It writes dates as DD/MM/YYYY. Credits become positive amounts and debits become negative amounts.
Payee is estimated from the start of the extracted description and may need correction. Reference is currently left blank. The converter does not provide a date-locale dropdown, so check the date interpretation during import or edit a working copy if needed.
Import a reviewed file
- Compare the Excel output with the original PDF before downloading the Xero format.
- Open the intended bank account in Xero and choose the statement import option.
- Select the CSV and check the field mapping and date format.
- Review incoming and outgoing amounts against known transactions.
- Complete the import and reconcile the statement lines.
Avoid duplicate periods
Compare the date range with existing bank feeds and previous uploads. Do not assume every overlapping row will be identified automatically. Resolve suspected duplicates by checking the original statement and the imported account activity.
Keep each account and currency separate. If a converted file appears to mix them, correct the source or the reviewed working copy before importing. See the main conversion checklist for checks that apply to every export.