Do I import into a Bank account or Credit Card account in Xero?

Import into a Credit Card bank account in Xero. In Xero, credit cards are set up as bank accounts with the type "Credit Card". This ensures charges and payments are recorded correctly. Go to Accounting > Bank Accounts > Add Bank Account > select "Credit Card" as the type.

Which credit card issuers are supported?

We support credit card statements from all major issuers including Visa, Mastercard, American Express, and Discover, regardless of which bank issued the card.

How do I set up a Credit Card account in Xero?

Go to Accounting > Bank Accounts > Add Bank Account. Choose "Other" and set the account type to "Credit Card". Name it after your card. Then you can import statement CSVs into this account for reconciliation.

How are payments handled in the import?

Payments to your credit card appear as positive amounts (money in) in the Xero CSV. Charges appear as negative amounts (money out). Xero correctly adjusts your credit card balance for both.

Can I reconcile credit card transactions in Xero?

Yes! After importing, reconcile transactions the same way as bank transactions — match to invoices, categorize expenses, and create spend money transactions. Xero treats credit card reconciliation identically to bank reconciliation.

Credit Card Statement Converter

Our credit card statement converter transforms your PDF credit card statements into Xero format in seconds. Here's exactly what you'll get.

Convert your credit card statement PDFs to Xero-ready CSV files. Import merchant transactions directly into a Xero Credit Card account for reconciliation and expense categorization.

Important: In Xero, credit cards are set up as bank accounts with type "Credit Card". Import this CSV into your credit card bank account — not a regular bank account — to ensure charges and payments are recorded correctly.

What You Get

A Xero-compatible CSV file formatted for credit card transactions. Merchant names are preserved as payees for easy categorization during reconciliation.

Xero CSV Output

Date:

15/01/2025

89.97

Amazon.com

AMAZON.COM*1A2B3C4D

TXN-20250115-001

16/01/2025

24.50

Uber

UBER *TRIP 3F7K9

TXN-20250116-002

17/01/2025

6.75

Starbucks

STARBUCKS #4521

TXN-20250117-003

18/01/2025

-500.00

Payment

PAYMENT - THANK YOU

TXN-20250118-004

19/01/2025

15.99

Netflix

NETFLIX.COM

TXN-20250119-005

↑ Scroll ↓

Xero CSV Fields

Date*

Transaction date (required)

Amount*

-for charges, +for payments

Payee

Merchant name

Description

Full transaction description

Reference

Transaction reference

How to Import into Xero

Follow these steps to convert your credit card statement and import it into Xero:

Step 1: Convert Your Statement

Upload your credit card statement PDF to Bankstatemently
Review the extracted transactions
Download the Xero-compatible CSV file

Step 2: Set Up Credit Card Account (if needed)

Go to Accounting > Bank Accounts > Add Bank Account
Choose "Other" and set Account Type to Credit Card
Name it after your card (e.g., "Visa ****7832")

Step 3: Import into Xero

Navigate to your Credit Card account in Accounting > Bank Accounts
Click "Import a Statement"
Upload CSV: Browse and select your converted CSV file
Confirm Columns: Xero will auto-map columns (Date, Amount, Description, etc.)
Import: Click Import and your credit card transactions appear ready for reconciliation

Note: Xero documentation on importing bank statements (including credit cards) can be found at Xero Central. Our CSV format follows Xero's specifications for seamless import.