Guide
Bank statement converters for Xero, compared
Xero’s own PDF statement import only works for organisations in the United States and Canada. Everywhere else, a PDF has to become a CSV or OFX file first. This page compares the tools that do that, for bookkeepers in the UK, Australia, New Zealand, South Africa and Ireland.
Published · Updated
Who wrote this comparison
We make BalancedPDF, one of the tools below, so read this as a vendor’s comparison. For every other tool we repeat only what its own website said on 14 November 2026, with links in the sources. We have not run their converters, so nothing here says how accurately any of them reads your statements. Our own test results and limits are on the accuracy page.
Prices are as each site published them, before VAT or GST. Plans change often, so check the linked page before you buy.
Short answer
- If your practice already pays for Dext or AutoEntry, look at its bank statement allowance before buying anything else. Both extract bank statements as part of a wider document capture plan.
- If you want transactions sent straight into Xero rather than importing a file, DocuClipper says every plan includes a direct Xero integration.
- If the price per page matters most, BankConv and FlowParse publish the lowest rates here. FlowParse also sells 100 pages for €5 without a subscription.
- If you want to check each row against its line on the PDF, and not pay for a statement that doesn’t balance, that is what BalancedPDF is built around.
- If you only need recent transactions, your bank’s own CSV or OFX download may be enough. Our bank export reference lists what 35 banks offer.
The tools side by side
The first five are statement converters; AutoEntry and Dext are document capture services whose plans include bank statements. The balance column repeats how each site describes its own check; “not covered” means the pages we read didn’t say, not that the tool lacks it.
| Tool | Into Xero | Balance check, as described | Free to try | Lowest published price |
|---|---|---|---|---|
| BalancedPDF (ours) | Xero statement CSV or OFX file that you import | Each statement checked against its printed opening and closing balances; on text PDFs each row links to its line on the PDF | 5 pages without an account; a free account starts with 15 pages; every export format | £7 for 60 pages that never expire; Pro £22 a month for 400 pages |
| DocuClipper | Direct Xero integration on every plan; also CSV, OFX, QBO and QIF files | Each statement checked against its printed opening and closing balances; those that don’t tie out are flagged | 14-day trial, up to 120 pages; exporting or syncing needs a paid plan | £16.24 a month billed annually, or $29 billed monthly, for 60 pages a month |
| BankConv | Xero CSV or OFX file that you import | Opening balance plus credits minus debits must equal the closing balance | The first 5 pages of your first statement; a free account is needed to download | $2.99 a statement up to 10 pages, then $0.20 a page; Starter $29 a month for 500 pages |
| FlowParse | Xero import file; also CSV, QBO, QFX and OFX | Opening balance plus transactions must equal the closing balance; gaps are flagged | 10 pages a month, no card needed | €5 for 100 pages that never expire; Starter €15 a month for 300 pages |
| RowSure | Excel and a five-column CSV; QBO and OFX only for a green VERIFIED result | Each statement gets a verdict; QBO and OFX are withheld unless it is VERIFIED | One full verdict a day without an account; the files are paid | $3 a statement at its launch price; $9 for 5 conversions that never expire; Practice $39 a month for 100 statements |
| AutoEntry | Document capture service; bank and credit card statements are one of its document types | Not covered on its pricing page | Trial with 25 credits | Bronze £15.45 a month for 50 credits; a statement page uses 3 credits; unused credits kept up to 90 days |
| Dext | Practice plans include bank statement extraction alongside document capture | Not covered on its pricing page | 14-day trial | Essentials from £12 per client a month on an annual subscription, 10 clients minimum; statements use credits from the plan’s allowance |
What Xero and Hubdoc do on their own
Xero’s help says PDF statement imports are currently only available to organisations in Canada and the United States, and not on the Ledger plan. Where it is available, the PDF must be in English, unprotected and up to 100 pages. Hubdoc’s bank statement extraction is also a Canada and US feature.
Outside those two countries, import a CSV or OFX file into the bank account through Import a Statement, then reconcile. The Xero import guide walks through mapping the columns and avoiding duplicates.
What to compare before you choose
- Your own statements. Put the same awkward statement through two tools: one with several pages and wrapped descriptions, or a scan. Count the rows on each page against the PDF.
- The balance check. A matching closing balance shows that the rows add up, but two opposite errors can still cancel out. See whether the tool points you to the rows to check when a statement doesn’t balance.
- What a failed or unbalanced statement costs. RowSure says a delivered conversion uses one document even when the balances don’t match. BalancedPDF returns the pages when a statement prints both balances and the rows don’t add up to them.
- Subscription or pack. Catch-up work comes in bursts. Packs that never expire, sold by BalancedPDF, FlowParse and RowSure, suit occasional work; a monthly plan suits steady volume.
- How long your files are kept. FlowParse says originals are deleted after 30 days. BalancedPDF deletes files and results 24 hours after the task is created, or sooner if you delete the task.
- Users and integrations. DocuClipper includes unlimited users and API access on every plan. BalancedPDF is a single-user account with no API.
Where BalancedPDF fits, and where it doesn’t
It is built for a bookkeeper catching up on a client’s history. Upload up to 10 PDFs at a time, check each statement against its balances, open any row to see its line on the PDF, then export a Xero statement CSV or OFX. Two to twelve statements for one account can go into a single file, with each join between them checked.
It doesn’t send anything to Xero directly; you import the file. It reads English statements only and has no team accounts or API. Scans can be converted but not traced line by line. It is new, with no published reviews and no SOC 2 or ISO 27001 certification; the security page says what it does instead.
In pounds, before VAT: £7 for 60 pages, £15 for 150 or £37 for 500, all without expiry, or Pro at £22 a month for 400 pages. Prices in Australian and New Zealand dollars, rand and euros are on the pricing page.
Questions
Can Xero import a PDF bank statement in the UK or Australia?
Not at the moment. Xero’s help says PDF statement imports are only available to organisations in Canada and the United States. Elsewhere, import a CSV or OFX file through Import a Statement.
Which converter is the most accurate?
Public websites can’t tell you, and results depend on your statements. Put the same difficult statement through two tools, count the rows on each page and check the balances. Our own results and limits are on the accuracy page.
Is this comparison independent?
No. BalancedPDF wrote it and is one of the tools compared. We repeat each tool’s own published terms and state our limits alongside theirs. If something here is out of date, email support@balancedpdf.com and we will correct it.
Are these companies connected with BalancedPDF?
No. Xero, Hubdoc, DocuClipper, BankConv, FlowParse, RowSure, AutoEntry and Dext are trademarks of their owners. None of them is affiliated with or endorses BalancedPDF.
Sources
Each tool’s details repeat its own website as read on 14 November 2026; we have not tested the other tools. The Hubdoc note follows its Canada and US extraction guide, checked on 9 November 2026. Prices and plans change, so check the linked pages.