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Bank statement to Xero CSV

A Xero-ready CSV — Date, Amount, Payee, Description, one signed amount column — shaped for Xero’s manual bank-statement import and generated from your reviewed transactions.

Choose a bank-statement PDFDownload a sample Xero CSV

The sample is a synthetic statement — no real bank, person, or account — and the excerpt shown is taken from that exact file, byte for byte.

Sample Xero CSVstatementstudio-sample-xero.csv · synthetic data
Date,Amount,Payee,Description01/05/2026,3250.00,BACS SALARY ACME LTD MAY PAY,BACS SALARY ACME LTD MAY PAY02/05/2026,-46.82,CARD PURCHASE TESCO STORES 4381,CARD PURCHASE TESCO STORES 438103/05/2026,-80.00,ATM WITHDRAWAL HIGH STREET CASH MACHINE REF 778221,ATM WITHDRAWAL HIGH STREET CASH MACHINE REF 778221

The first lines of the sample file — one signed Amount column, with the reviewed description carried in both Payee and Description.

What you download

Four columns, built for reconciliation.

Xero's CSV import needs Date and Amount at minimum. This export adds Payee and Description so statement lines arrive ready to match against contacts and invoices.

Date
Slash-separated dates — dd/mm/yyyy, or mm/dd/yyyy when the statement itself is US-formatted. Xero’s import preview shows how each date was read before you confirm.
Amount
One signed column: money in positive, money out negative — the convention Xero’s CSV import documentation describes.
Payee · Description
Both carry the reviewed description, flattened to one line and protected against spreadsheet-formula execution. Payee helps Xero suggest contact matches; Description stays on the statement line.
Deliberately absent
No currency column — the Xero CSV format doesn’t carry one, which is exactly why mixed-currency statements refuse to export. The generic CSV keeps currency, balance, and the full review trail.
Reviewed, then exported

Convert a bank statement for Xero — after you've seen every row.

Rows are extracted beside their source pages and checked against the statement's balances before anything is written. Here is one reviewed row, written the way Xero's import reads it:

DateDescriptionAmountSource page
4 May 2026DIRECT DEBIT CITY ENERGY(£124.40)1
04/05/2026,-124.40,DIRECT DEBIT CITY ENERGY,DIRECT DEBIT CITY ENERGY
Step through the review on sample dataHow the whole flow works
What this file is — and isn’t

A file you import yourself — not a live bank feed.

You download the CSV and import it from within Xero. There is no live feed and no link between StatementStudio and your Xero organisation — Xero shows its own import preview before any statement lines are created.

Importing into Xero

  1. Download your reviewed Xero CSV.
  2. In Xero, open the relevant bank account and choose to import a statement.
  3. Select the CSV file and assign the columns when asked — Date and Amount are the two Xero requires; Payee and Description carry through.
  4. Review Xero’s import preview before confirming.

Xero documents the format and flow in Import a bank statement in CSV format and About manually importing bank statements.

Stated limits

When this export refuses to generate.

Designed boundaries, not bugs — the export refuses rather than writing a file that would import wrongly.

More than one currency
The Xero CSV carries one signed amount with no currency field, so a mixed-currency statement can’t be represented — the export refuses rather than importing unlabelled amounts.
Missing dates or amounts
Every row needs a date and a signed amount. If a reviewed row lacks either, this export stays unavailable until the row is resolved in review.

Review your transactions before importing, and check the import preview in your accounting software.

Other formats

Xero also imports OFX and QIF.

OFX
A single statement file with the currency and closing balance stated inside — Xero’s manual import accepts it directly. Bank statement to OFX
QIF
The older text format Xero also accepts — no currency field, so check amounts after import. Bank statement to QIF
Everything else
The bank statement converter lists every output, and the Excel workbook keeps the full validation summary beside your books.
Questions

About the Xero CSV output

What columns does the Xero CSV have?

Date, Amount, Payee, Description — a single signed Amount column, with the reviewed description filling both Payee and Description.

Do I import this myself, or is there a live Xero feed?

You import the file yourself, using Xero’s manual bank-statement import. There is no live feed or connection between StatementStudio and Xero.

Can I use OFX or QIF instead?

Yes — Xero’s manual import also accepts OFX and QIF files, and we can generate both from the same reviewed rows.

Do you support mixed-currency statements?

No — the Xero CSV carries one signed amount with no currency field, so a mixed-currency statement can’t be exported this way.

Free during beta

Convert a bank statement to Xero CSV — and check it first.

Choose a bank-statement PDFSee a sample conversion