Free converter
Bank statement converter for Xero
Manual statement imports into Xero that reconcile like feed transactions.
Choose a statement file (PDF, OFX/QFX, CSV, XLSX, TXT — up to 5 MB)
Why Xero users end up here
Xero's bank feeds are excellent when they work — and manual import exists for when they don't: missing history before the feed started, banks without feeds, feed outages that leave gaps, and conversion balances at setup. Xero's manual import accepts OFX and CSV, and OFX is the better citizen: it's typed, unambiguous, and Xero treats imported OFX lines exactly like feed lines for reconciliation. Our OFX carries the identified merchant as the transaction name, so Xero's bank-rule matching and 'find & match' suggestions work on real names instead of descriptor soup.
Importing into Xero, step by step
- Convert your statement above and download the OFX (CSV also imports if you prefer).
- In Xero: Accounting → Bank accounts → select the account → Import a Statement (or 'Manually import a statement').
- Upload the file. For CSV, map date/amount/payee columns when prompted; OFX needs no mapping.
- Reconcile as normal — imported lines join the reconcile queue like feed transactions.
The gotchas Xero users actually hit
Import to the matching bank account only
Xero attaches statement lines to a specific bank account; importing into the wrong one poisons reconciliation. Check the account name in the header before uploading.
Gap-filling: mind the edges
When patching a feed gap, import only the missing date range. Overlapping the feed creates duplicate statement lines that must be deleted manually — Xero doesn't merge them.
Bank rules love clean payees
Xero bank rules key on payee text. Raw descriptors defeat them; identified merchant names make one rule cover every future occurrence of that merchant.
Free converter
Convert your statement — and understand it too
A free account converts a statement page every day to CSV, Excel, QIF or OFX — with every transaction matched to a real merchant name, not a cryptic descriptor. No card required; files deleted after 24 hours.
No bank logins · card numbers redacted before storage · everything deleted after 24 hours
Frequently asked questions
Does Xero import PDF statements?
Not directly — Xero takes OFX and CSV. Convert the PDF here first; the OFX output imports without any column mapping.
Why prefer OFX over CSV in Xero?
OFX is typed (no date-format questions), needs no mapping, and its transaction IDs help avoid duplicates on re-import. CSV works but adds a mapping step and format risk.
Can I fix a feed gap this way?
Yes — that's the canonical use. Export or convert statements covering exactly the gap, import, reconcile. Keep the date range tight to avoid overlapping the feed.