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PDF bank statement to Xero: convert it to a Xero statement file, every row checked

Upload a PDF, scan or photo of a bank or credit card statement. Check every row beside the original page, then download a Xero CSV, in the layout of Xero's statement import template, or an OFX file, and add it with Import a Statement in Xero.

  • Bank and credit card statements from any bank, multi-page PDFs, scans and phone photos
  • Every row beside the original page, with a balance check, before you download
  • The same rows as Excel or CSV for your files, and QuickBooks files too

Try it on one of your statements

Get a file for Xero back, and check every row beside the original page first.

Page 1 free, no sign-up. Pay once from $9 a document, or $29 a month for 400 pages.

How it works

3 steps to Xero

  1. Upload and check

    Drop a PDF, scan or photo of the statement. The rows open beside the original page, so you can fix any cell, and a balance check shows when the opening balance plus credits minus debits equals the closing balance.

  2. Download the file

    Open Export and choose Xero CSV or OFX. Excel or CSV for your records come from the same rows.

  3. Import a Statement in Xero

    In the Accounting menu, select Bank accounts. For the account, click the menu icon, then select Import a Statement. Choose the file, assign the Date and Amount columns if Xero asks, confirm the date format, review the lines and click Complete import.

These are the steps Xero Central gives. We haven't tested pdf2text's files in a Xero organisation: the Xero CSV follows the layout of Xero's statement import template, and the OFX file is a standard bank file.

Template fields, date formats and common errors: read the step-by-step guide

Page 1 free, no sign-up. Pay once from $9 a document, or $29 a month for 400 pages.

Compare

Upload the PDF in Xero, or convert it first?

Xero's answer depends on where your organisation is. In the US and Canada, Xero can import a PDF statement itself. For the rest of the world, Xero Central says PDF bank statements can't be imported into Xero and suggests a conversion service. Here is Xero's PDF import as its help describes it, next to pdf2text.

Feature PDF import in Xero pdf2text
Where it works Xero organisations in the US and Canada, not on the Xero Ledger plan Any browser, for statements from any country, whatever software you import into
What you upload A PDF in English, up to 100 pages and 35MB, at least 200 DPI, scanned straight and not password protected A PDF, scan or phone photo of a bank or credit card statement, from any bank, in English or another language
Which banks Validated for listed US and Canadian banks; others are accepted, but the accuracy might vary Any bank, with every row shown beside its page
Checking the rows The import's review screen, where you clear any line you don't want before Complete import Every row beside the original page, editable, with a balance check from the opening to the closing balance, before you download anything
What you get Statement lines in the Xero bank account you chose A Xero CSV or OFX file, and the same rows as Excel or CSV to keep
Other accounting software Built into Xero A .qbo, OFX or QuickBooks CSV file for QuickBooks Online, and Excel or CSV for anything else

Use the PDF import in Xero if

  • Your Xero organisation is in the US or Canada and not on Xero Ledger.
  • Your statements are in English, from a listed bank, and Xero reads them correctly.
  • You only need the lines in Xero, not a file to keep.

Use pdf2text if

  • Your Xero organisation is outside the US and Canada, where Xero Central says PDF statements can't be imported.
  • You want to check every row and the balances against the page before anything reaches Xero.
  • You need the same rows as Excel or CSV for the client file or an audit trail.
  • You also work in QuickBooks Online or other accounting software.

Hubdoc, which Xero Central says comes with every Xero business edition subscription, also turns a PDF statement into a CSV for Xero, with validated results for listed US and Canadian banks. pdf2text and Hubdoc compared

Xero facts are from Xero Central, read on October 19, 2026. Xero changes its products and help pages from time to time. Sources: Xero Central: Import a PDF bank statement, Xero Central: About manually importing bank statements, Xero Central: Import a bank statement in CSV format (US), Xero Central: Troubleshoot a bank statement import (US), Xero Central: About bank statement extraction in Hubdoc, Xero Central: Activate your Hubdoc organisation.

Formats

Files for Xero

Every file comes from the rows you checked, edits included.

Xero CSV

In the template's layout

Date, Amount, Payee, Description and Reference, the columns of Xero's statement import template in its order, with one signed amount per row: money out negative. Dates: Automatic follows the statement's country, or choose DD/MM/YYYY, MM/DD/YYYY or YYYY/MM/DD.

OFX

An open bank file format. Xero's statement import reads OFX, and Xero recommends OFX files where possible. QuickBooks Online reads it too.

Excel and CSV

The same rows with their balances, for the client file, an audit trail or a last look before the import.

The Xero CSV and OFX files come with a paid statement or any plan. The free first page exports as Excel, CSV or JSON.

Xero's help asks you to split a file with more than 1,000 bank transactions, and a CSV can't have more than 100,000 rows: split a long period into date ranges.

Export

Date format: Automatic

  • Xero CSVDD/MM/YYYY
  • OFX.ofx
  • Export as Excel.xlsx
  • CSV.csv
The Export menu of a checked statement

Who it's for

Made for the people who keep the books

Bookkeepers

Client statements that arrive as PDFs and months of catch-up work: convert each statement, check it against the page and import it into that client's Xero organisation.

Accountants

Year-end and review work: the file for the books, and the same rows as Excel for the working papers.

Small businesses

A missing month, a closed account or a statement you only have on paper: photograph it, pay once for that statement, no subscription.

Bank statement converter for bookkeepers Bank statement converter for accountants

Pricing

Pay once, or monthly for regular volume

Free

$0

The first page of each document free with no credit card, and 5 free pages every week with a free account, one per document.

Pay once

from $9

$9 once per document of up to 25 pages, priced by page count above that.

Starter

$19/month

150 pages a month

Bookkeeping

$29/month

400 pages a month

For bookkeepers

Firm

$79/month

1,500 pages a month

Monthly plans are billed in US dollars. See pdf2text pricing

Direct connection

Sending rows straight to Xero

There is no direct connection to Xero yet. For now, the Xero CSV or OFX file goes in with Import a Statement.

Want it? We'll email you once when it's ready.

FAQ

Common questions

Can Xero import a PDF bank statement itself?
In the US and Canada, yes. Xero Central says Xero organisations there can import a PDF statement, except on the Xero Ledger plan, if it is in English, up to 100 pages and 35MB, and at least 200 DPI; it validates listed US and Canadian banks, and for other banks the accuracy might vary. For the rest of the world, Xero Central says PDF bank statements can't be imported into Xero and suggests a conversion service.
How do I import the Xero CSV into Xero?
In the Accounting menu, select Bank accounts. For the account, click the menu icon and select Import a Statement. Choose the file, assign the Date and Amount columns if Xero asks, select the date format if prompted, review the lines and click Complete import.
Has pdf2text tested these files in Xero?
No. We haven't tested pdf2text's Xero CSV or OFX file in a Xero organisation. The Xero CSV follows the layout of Xero's statement import template (Date, Amount, Payee, Description, Reference), and the steps on this page are Xero Central's. If Xero flags a line on its review screen, fix it in pdf2text or in the file and import again.
Which file should I choose: Xero CSV or OFX?
Xero recommends OFX files where possible, and an OFX file needs no column assignment. Choose the Xero CSV if you want to open and edit the rows in a spreadsheet first.
Is Hubdoc the same thing?
Hubdoc, which Xero Central says comes with every Xero business edition subscription, also converts a PDF bank statement to a CSV you import into Xero. Its validated banks are in the US and Canada, and statements must be in English and up to 100 pages.
How much does it cost?
The first page of each statement is free. Pay once for a whole statement, at most $9 for up to 25 pages and priced by page count above that, or choose $29 a month for 400 pages. The Xero CSV and OFX files come with a paid statement or any plan.
Does it work with QuickBooks Online too?
Yes. The same statement exports as a .qbo, OFX or QuickBooks CSV file for QuickBooks Online, and Excel or CSV for any other software.
Can I send rows straight to Xero?
Not yet. There is no direct connection to Xero. Download the file and use Import a Statement.
Is pdf2text made by Xero?
No. pdf2text is an independent product that makes files you import into Xero. It isn't affiliated with or endorsed by Xero.

Related pages

How to import a PDF bank statement into Xero pdf2text for QuickBooks Online Bank Statement Converter Hubdoc alternative Dext alternative AutoEntry alternative

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