Turn your bank’s PDF statement into an OFX file or a CSV in Xero’s statement template, and check every transaction first. Free, no sign-up, and the PDF never leaves your device.
Beta: works with most text-based bank PDFs; always check the badge — amber or red means compare with your statement.
Never leaves your device
Checks the balances add up
OFX file and Xero CSV
Converter
Drop your bank statement PDFs hereDrop more PDFs here
or
Text-based PDFs from most banks. You can add several statements at once.
Your statement never leaves your device. Conversion happens in your browser; you can even disconnect from the internet after the page loads. (Only a PDF with Chinese, Japanese or Korean text may need a font table from newellabs.com; that request carries nothing from your file.)
Converter loaded: it works offline from here (Chinese, Japanese and Korean PDFs excepted).
Your files
Statement
Money in
Money out
Notes from the converter
Transactions
Click any cell to fix it. Negative amounts are money out. Press Enter to move down.
For Xero: the OFX file needs no column matching; the Xero CSV follows Xero’s statement template. Set the Date format to your Xero organisation’s for the CSV, and the Currency for the OFX file if the statement doesn’t print it.
For the CSV, Excel, QuickBooks CSV and Xero CSV files.
For QuickBooks, Quicken and OFX files.
For QuickBooks, Quicken and OFX files, so each account stays separate.
For QuickBooks (.qbo) and Quicken (.qfx) files; most converters use 3000. The importer checks this ID and shows that bank's name, but the rows go into the account you choose. If Quicken says it is “unable to verify the financial institution”, try the other ID.
Use the date order of the app you import the QIF file into.
OFX or Xero CSV?
The OFX file compared with the Xero CSV
OFX
Xero CSV
Import screen
Xero reads it directly
You confirm which column is which
Dates
A fixed format, never mixed up
Must match your Xero organisation’s date format
Columns
Date, amount, description, reference and a transaction ID
*Date, *Amount, Payee, Description, Reference
Check it first in a spreadsheet
Not easily
Yes
Xero’s help lists OFX, QIF, QBO, QFX and CSV as statement files it imports. Amounts are signed: positive for money received, negative for money spent. Lines without an amount are left out, because Xero rejects them.
Xero Central also describes importing a PDF bank statement directly. If your Xero organisation offers that, this converter still adds the balance check and keeps the PDF on your device.
Import it into Xero
Import a statement
Export the OFX file or the Xero CSV.
In Xero, open the Accounting menu and select Bank accounts.
Next to the account the statement belongs to, open its menu and select Import a Statement.
Select the file and click Next (or Import).
For the CSV, check which column is the date, the amount, the description and the reference, then finish the import.
Reconcile the new statement lines as usual.
Menu names can differ slightly between Xero regions and plans. If the account also has a live bank feed, import only the dates the feed doesn’t cover, so lines aren’t doubled.
Dates in the Xero CSV
Xero reads CSV dates in your organisation’s regional format. Set Date format under Export before you save:
DD/MM/YYYY for organisations in the UK, Australia and New Zealand.
MM/DD/YYYY for organisations in the United States.
YYYY-MM-DD is written as 2025/03/31, with slashes, the year-first form Xero lists.
Not sure? Use the OFX file: its dates can’t be read the wrong way round.
Why the Payee column is empty
The Payee column is meant for the name of the person or business on the other side. Raw bank text such as “POS 0412 CORNER CAFE 7731” isn’t a name, so the bank’s text goes into Description and Payee stays empty. You choose the contact when you reconcile, and bank rules can still match on the description.
Before you import
The badge above the table is green, or you have compared the rows with your statement.
For the OFX file, the Currency and Account are filled in.
You are importing into the bank account the statement belongs to.
Frequently asked questions
Should I use OFX or CSV for Xero?
OFX is the quickest: Xero reads it directly and its dates can’t be mixed up. Use the Xero CSV when you want to check or edit the lines in a spreadsheet before importing.
Which date format does the Xero CSV need?
The one your Xero organisation uses: DD/MM/YYYY in the UK, Australia and New Zealand, MM/DD/YYYY in the United States. Set Date format under Export before you save the CSV.
Why is the Payee column empty?
The Payee column is meant for the name of a person or business, and raw bank text isn’t one. The bank’s text goes into Description instead, where bank rules can still match it, and you choose the contact when you reconcile.
Are the opening and closing balances imported as lines?
No. Only transactions become statement lines. The converter uses the balances to check the rows, and you can see that check in the badge above the table.
What if Xero says the CSV has an error?
Most often the dates don’t match the organisation’s format: export again with the other date format, or import the OFX file instead.