Convert a Monzo statement to Xero
Xero won't read a PDF, and Monzo won't export straight to Xero. Convert your Monzo statement into a clean, categorized CSV, then import it into Xero in a couple of clicks.
Fictional sample output
Preview a Monzo statement CSV for Xero
Statently turns separate withdrawals and deposits into one signed Amount column, cleans descriptions, and adds a category. This preview uses a fictional statement.
| Date | Description | Amount | Category |
|---|---|---|---|
| 2026-06-03 | Northwind Payroll | +3,450.00 | Income |
| 2026-06-04 | Harbor Market | -84.21 | Groceries |
| 2026-06-06 | City Utilities | -126.40 | Utilities |
| 2026-06-08 | Cloudwork | -18.00 | Software |
Private by design. Your uploaded PDF is processed in memory to create the CSV and is not stored.
Always review before importing. Compare totals and a sample of transactions with the original statement before reconciliation, tax filing, or accounting import.
Why Monzo statements don't import into Xero directly
Xero imports bank data from CSV, not PDF, so a Monzo statement has to be converted first. Monzo emoji-tags categories in-app; the converter maps them onto a plain category set that spreadsheets and accounting tools understand. You get one clean, Xero-ready ledger instead of fighting merged cells and split columns.
How to import a Monzo statement into Xero
- 1. Convert the statement. Upload your Monzo statement PDF and download the categorized CSV.
- 2. Go to the bank account. In Xero: Accounting → Bank accounts → your account → Manage → Import a Statement.
- 3. Map & import. Match Date, Amount, and Description to the CSV columns and import.
Frequently asked questions
- Can I import a Monzo PDF into Xero directly?
- No. Xero imports CSV, not PDF. Convert your Monzo statement to CSV first, then import it.
- Is my Monzo statement stored anywhere?
- No. Your PDF is processed in memory to extract the transactions and is never stored.
- What CSV format does Xero need?
- Xero needs a Date column, an Amount column (signed), and a Description or Payee column. The converter outputs exactly these.
Export Monzo to another tool
Convert another bank to Xero
Related guides
- How to Import Bank Statements into Xero
How to get transactions from a PDF bank statement into Xero using a CSV — the exact column format Xero expects and how to prepare it in seconds.
- How to Convert a Bank Statement PDF to CSV
The fastest way to turn a bank statement PDF into a clean CSV — what a CSV needs to contain, why manual methods break, and how to do it in seconds.
- How to Convert a Scanned Bank Statement to CSV
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- How to Import Bank Statements into QuickBooks
How to get transactions from a PDF bank statement into QuickBooks Online using a CSV — the format QuickBooks expects, and how to prepare it in seconds.
Not affiliated with Monzo or Xero. Your statement is processed in memory to extract transactions and is never stored.