Import bank statement transactions into Xero

Start with a native CSV, OFX, QBO, QFX, or other statement export from your bank when Xero supports it. Convert a PDF only when the native export is unavailable, then review every proposed transaction before import.

Last updated: August 29, 2026 · Import steps vary by product version

Need to convert a PDF first?

Document quality affects extraction. Digital PDFs are usually easier to process than scans, and password-protected files must be unlocked before upload.

Open the CSV or OFX converter

A review-first workflow

1. Check your bank first. Download a native statement export that Xero accepts if one is available.
2. Convert only when necessary. If the bank provides only a PDF, extract dates, descriptions, debits, credits, and balances into a supported format.
3. Validate the output. Compare the date range, row count, signed amounts, and opening or closing totals with the source statement. Spot-check several rows.
4. Import into the correct account. Confirm the account, currency, column mapping, and date range in Xero before completing the import.
5. Reconcile and check duplicates. Look for overlap with feeds or earlier uploads before accepting the imported transactions.

Current Xero statement-import workflow

Prefer an OFX export downloaded directly from your bank when it is available. Otherwise, Xero accepts CSV bank statement files. In Xero, open Accounting, select Bank accounts, open the menu for the destination account, and choose Import a Statement. For CSV, map the transaction date, description, and amount columns, confirm the date format, review the proposed statement lines, then complete the import. Check the account, currency, and date range before reconciling; Xero can exclude duplicates it recognises, but the reviewed statement should still be compared with the source.

Read the official source: Xero Central: About manually importing bank statements

What to verify before import

Dates

Confirm the date format and the first and last transaction dates.

Amounts

Check debit, credit, and signed-amount conventions.

Account and currency

Import into the matching account and currency.

Overlap

Compare the date range with bank feeds and previous uploads.

Statement converters by bank

These retained bank pages use the same review-first workflow and link to the global export formats.

Chase Wells Fargo Bank of America PNC Bank Capital One Navy Federal TD Bank Citibank USAA US Bank RBC TD Canada Trust

Frequently asked questions

Should I convert a PDF if my bank offers OFX or CSV?

Use the native bank export when it is accepted by Xero. It avoids an extra extraction step and usually contains structured transaction fields already.

What should I review after PDF conversion?

Compare the row count, date range, signed amounts, and available opening or closing totals with the source PDF. Spot-check descriptions and amounts before import.

Can an import create duplicates?

Overlapping bank feeds or statement date ranges can create or expose duplicate transactions. Review the proposed import and reconcile it against the source statement.