LedgerRowsBank statement to Xero
Turn PDF bank statements into files Xero imports, checked against their own balances.
No sign-up to try · PDFs never stored
How to import a PDF bank statement into Xero
- 1
Upload the PDF statement
Drop in a statement downloaded from your bank's website: checking, savings or credit card. Cover, disclaimer and ad pages are skipped and never billed.
- 2
Check the balance
LedgerRows adds every transaction to the opening balance and compares the total with the closing balance on the statement. You see Balanced, or the row that doesn't add up.
- 3
Export and import into Xero
Export Xero CSV or OFX. In Xero, open the bank account and choose Import a statement; the lines appear on the reconcile screen.
When you need a statement file in Xero
No bank feed
Your bank doesn't connect to Xero, or its feed only reaches back a few months.
A feed that broke
A disconnected feed left a gap. Import the missing months from the statements.
Cards and overseas accounts
Credit card and foreign-bank statements work the same way: any bank, no per-bank setup.
Catching up a client
A year of PDFs from a new client, converted in one sitting and exported together.
Why the balance check matters
Any converter can misread a row: a line lost at a page break, a withdrawal read as a deposit, a 6 read as an 8. Nothing looks wrong until the books won't reconcile.
Opening + transactions = closing
Every statement prints its own opening and closing balances. If the rows don't add up to them, you're told before you export, not after you import.
The row, not just a warning
Where the statement prints a running balance, each row is checked against it, so a mismatch points at the line that caused it. Fix the cell right in the table.
Doesn't balance, isn't billed
A statement that fails the check costs nothing. If a balanced file still has a mistake, report it and the pages come back.
Which file for which app
| Use it for | |
|---|---|
| QBO (.qbo) | QuickBooks Desktop and QuickBooks Online |
| QuickBooks Online CSV | QuickBooks Online's upload, if it refuses a .qbo |
| Xero CSV | Xero's Import a statement, in Xero's own template |
| OFX (.ofx) | Xero, Zoho Books, GnuCash and most other accounting apps |
| QFX (.qfx) and QIF | Quicken, and older apps that read QIF |
| Excel and CSV | Spreadsheets, scripts, and anything else |
Questions
Why does Xero turn my deposits into withdrawals?
Xero's statement import has a single amount column: positive is money in, negative is money out. A file with separate debit and credit columns gets mapped wrong. LedgerRows' Xero CSV always has one signed amount column.
Should I use Xero CSV or OFX?
Either imports through Import a statement. The CSV follows Xero's own template with dates as DD/MM/YYYY (switch the format on the import screen if your organisation uses US dates). OFX needs no column mapping at all.
Can I import a credit card statement into Xero?
Yes. Amounts come out from your side of the card: purchases as money out, payments as money in.
Which banks does it work with?
Any bank. LedgerRows reads the statement itself instead of a template made for one bank's layout, so there's no setup and no waiting for your bank to be added. Credit card statements work too.
Does it work with scanned or password-protected PDFs?
Not yet. It reads PDFs downloaded from your bank's website, the kind where you can select the text; scans and phone photos aren't supported. For a password-protected PDF, open it, save a copy without the password, and upload the copy.
Is LedgerRows affiliated with my bank or Intuit?
No. LedgerRows is an independent tool and is not affiliated with Intuit, Xero or any bank.