Convert PDF Bank Statement to Xero CSV

Free PDF to Xero CSV converter. The output uses Xero's exact manual bank-statement-import schema: *Date, *Amount, Payee, Description, Reference. Drop straight into Xero → Bank Accounts → Manage Account → Import a Statement.

See How It Works
Free first conversion 1,000+ banks supported Files deleted in 24h

How to convert a PDF bank statement to Xero CSV

  1. Download your bank statement as a PDF from your online banking portal.
  2. Drop the PDF into the upload box above (or click to browse). Files up to 25 MB are supported.
  3. Wait 10–30 seconds while our OCR + AI engine reads the layout and extracts every transaction.
  4. Download the CSV file. The first conversion every 24 hours is free.

Why Xero CSV?

Xero's manual statement import is unforgiving about column names and date formats. Generic CSVs need column mapping every time, and the wrong date format makes Xero misread your transactions. Our Xero CSV export uses the exact column headers Xero expects, so the import is one click.

  • Exact Xero schema: *Date, *Amount, Payee, Description, Reference — required columns prefixed with asterisk
  • Single signed Amount column (positive = money in, negative = money out) as Xero requires
  • Date in DD/MM/YYYY — matches Xero's default region setting; no auto-formatting surprises
  • Payee column auto-extracted from the transaction narrative for cleaner reconciliation matching
  • RFC 4180 quoting — descriptions with commas or quotes never break the parse

What gets extracted from your statement

  • Transaction date (normalised to YYYY-MM-DD)
  • Description, payee, and reference where available
  • Debit and credit amounts in separate, signed columns
  • Running balance, where the statement shows one
  • Statement period, opening balance, and closing balance
  • Account holder name and account number (header only)

Convert Xero CSV for any bank

Our parser is bank-agnostic — it reads the layout of your statement directly rather than relying on a hand-written template per bank. That's how we support 1,000+ banks worldwide. Common ones below:

ChaseBank of AmericaWells FargoCitibankCapital OneU.S. BankPNC BankTruistAmerican ExpressDiscoverHSBCBarclaysView all 1,000+ →

Xero CSV conversion FAQ

How do I import this CSV into Xero?

Xero → Accounting → Bank Accounts → Manage Account → Import a Statement → upload the CSV. Xero auto-maps columns because the headers match its schema. Click Save and the transactions appear ready for reconciliation.

Does Xero need a different date format for my region?

Xero defaults to DD/MM/YYYY for AU/UK/NZ/IE accounts and MM/DD/YYYY for US accounts. Our default is DD/MM/YYYY. If your Xero is set to US format, ask in support and we'll add a region toggle.

Why use the Xero CSV instead of the generic CSV?

Generic CSVs need column mapping on every import and use separate Debit/Credit columns Xero doesn't recognise. The Xero CSV uses the exact schema Xero auto-detects — no mapping, no errors.

Need a different format?

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