How to import a PDF bank statement into Xero

Xero cannot read a PDF statement directly, so the PDF has to become a CSV first. Here are the steps. No signup, and the first statement is free.

Steps

1. Upload the PDF on our converter. It must be a real PDF with posted transaction rows, not a photo.
2. Check the on-screen result: the running balance is tested row by row and the total is compared to the statement's opening and closing balances.
3. Download the Xero CSV. Columns follow Xero's documented template: date, amount, payee, description, reference.
4. In Xero, open your bank account, choose Import a Statement, and upload the file.
5. Map the columns if Xero asks, then review the rows and reconcile as usual.

Example output (synthetic data, for illustration):

date,description,amount,balance
2026-01-03,Coffee shop,-3.20,996.80
2026-01-04,Salary,1500.00,2496.80
2026-01-06,Water bill,-28.00,2468.80

Before you reconcile

We have not yet tested a live import in every Xero setup, so import a small file first and check the rows. Dates in the Xero layout are DD/MM/YYYY. Amounts are signed, with money out as negative.

Other formats

You can also download plain CSV, an Excel file, or layouts for QuickBooks and FreeAgent.

Privacy

No account. The PDF is processed in memory and not stored by us. See the privacy policy.

Price

One statement free. After that, 5 statements for 9 pounds, no subscription, no expiry. If a conversion fails and we cannot fix it, we refund it.

Questions

• Is the first statement really free?Yes. One statement is free with no signup. After that, 5 statements cost 9 pounds, with no subscription and no expiry.
• Is my PDF stored?No. The PDF is processed in memory and not stored by us.
• What if the conversion fails?If a conversion fails and we cannot fix it, we refund it.
• Does it work on scanned photos?No. It needs a real PDF with posted transaction rows, not a photo.

Convert a statement

Guides: PDF to CSV · PDF to Excel · Import into Xero