Convert BNZ statements to Xero

About BNZ statements

BNZ (Bank of New Zealand) is one of NZ's big four banks and is owned by Australia's NAB. You grab the statement PDF from BNZ Internet Banking or the app, under Statements — same as you would for any branch-based account.

It helps to know how the statement is put together. A BNZ statement runs Withdrawal, Deposit and Balance in NZD, with an EFTPOS, direct-debit or automatic-payment label describing each line. A plain PDF export flattens that structure; the converter keeps each piece in its own column.

You keep NZD (New Zealand dollars) amounts and DD/MM/YYYY dates end to end, so nothing needs re-checking after the import. Scanned or photographed PDFs work too: OCR reads them into the same columns, and the running balance is checked before anything downloads.

After that you're just reconciling in Xero; the awkward part of getting the data out of the PDF is handled.

Why people convert BNZ to Xero

If you're catching up a set of books in Xero, or onboarding a client, you'll have BNZ PDFs that never came through a feed. Converting them gives you an Import a Statement file for each gap, so the history lines up without manual entry.

It also saves the back-and-forth at year end. Instead of asking a client for a CSV their BNZ login may not even offer, you take the PDF they already have and convert it, so the numbers in Xero match the statement line for line.

Import a BNZ statement into Xero

Xero takes the CSV through its own Import a Statement screen.

1. Convert the PDF above and download the Xero CSV.
2. In Xero: Accounting → Bank accounts.
3. Open the account, then Manage account → Import a statement.
4. Upload the CSV — the date, description and amount columns line up.
5. Reconcile the imported lines as usual.

The totals are checked first

The totals are checked before you download. If a row is missing, the statement gets flagged right here — so a gap shows up before it reaches Xero or your client, not after.

Frequently asked questions