Xero Bank Statement CSV TemplateXero CSV Template
Xero requires a specific CSV layout for bank statement imports — Date, Amount, Payee, Description, Reference, and Transaction Type. Upload your bank statement PDF and we'll generate a Xero-ready CSV automatically, or use the format guide below to build your own.
Files are validated locally, split into chunks, then uploaded directly to secure storage.
6 columns: Date, Amount, Payee, Description, Reference, Transaction Type
Xero CSV Format — Column by Column
Xero's bank statement CSV import expects exactly these six columns. Here's what each one requires and how our converter fills them.
Date
Transaction date. Xero accepts multiple date formats (DD/MM/YYYY, MM/DD/YYYY, YYYY-MM-DD) but you must be consistent within a file. Our converter uses a single format throughout.
Amount
Signed numeric value. Negative amounts are debits (money out), positive amounts are credits (money in). No currency symbols or thousands separators — just a plain number like -1450.00.
Payee
The counterparty name — who you paid or who paid you. Xero uses this field for auto-matching with contacts and bank rules. Our converter extracts payee names from transaction descriptions.
Description
Additional transaction details or memo text. This field supplements the Payee and appears in Xero's transaction detail view.
Reference
A reference number, check number, or transaction ID. Xero uses this for matching and reconciliation. Our converter extracts reference numbers from bank statement descriptions when available.
Transaction Type
Must be either 'Credit' (money in) or 'Debit' (money out). This must match the sign of the Amount column. Our converter sets this automatically based on the transaction amount.
Xero CSV Template — Frequently Asked Questions
A Xero CSV has a header row (Date,Amount,Payee,Description,Reference,Transaction Type) followed by one row per transaction. Example: 15/01/2025,-1450.00,Midtown Realty,Office rent January,RENT-0104,Debit. The Transaction Type must be 'Credit' or 'Debit' and match the sign of the Amount.
Xero accepts DD/MM/YYYY, MM/DD/YYYY, and YYYY-MM-DD, but all dates in a single file must use the same format. During import, Xero lets you confirm the date format. Our converter outputs dates consistently so there's no ambiguity.
The Transaction Type column must contain either 'Credit' (for money coming in — positive Amount) or 'Debit' (for money going out — negative Amount). If the Transaction Type doesn't match the Amount sign, Xero will flag an error during import.
In Xero, go to Accounting > Bank accounts, select the bank account, and click 'Import a Statement'. Choose CSV as the file type, upload the file, and confirm the column mapping and date format. Xero will preview the transactions — review them and click Import to complete.
Yes. Upload your bank statement PDF above and select 'Xero' as the output format. The converter extracts transactions and maps them to Xero's six-column format automatically — including Payee extraction and Transaction Type classification.
Common causes: (1) Transaction Type doesn't match Amount sign — a negative amount must be 'Debit', positive must be 'Credit'. (2) Inconsistent date formats within the file. (3) Missing or extra columns — Xero expects exactly the six columns in order. (4) Duplicate transactions that already exist in the account. Our converter handles rules 1-3 automatically.
Have another question? Email support@exactstatement.com.
Generate Your Xero-Ready CSV Now
Upload a PDF bank statement and get a Xero-compatible CSV file — all six columns pre-mapped to Xero's official import format.