NZ
About Kiwibank statements
Kiwibank is New Zealand-owned (through state entities) and was set up as a local alternative to the Australian-owned banks. You grab the statement PDF from internet banking or the app, under Statements — same as you would for any branch-based account.
The part a copy-paste can't handle is the layout. Kiwibank keeps the payee and the reference a payer typed in, laid out across Withdrawal, Deposit and Balance columns in NZD. The converter reads all of that into its own columns instead of losing it.
Dates come through as DD/MM/YYYY and the figures stay in NZD (New Zealand dollars), so the converted file matches what you'd expect locally. 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 Kiwibank to Xero
If you're catching up a set of books in Xero, or onboarding a client, you'll have Kiwibank 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 Kiwibank 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 Kiwibank statement into Xero
Xero takes the CSV through its own Import a Statement screen.
- Convert the PDF above and download the Xero CSV.
- In Xero: Accounting → Bank accounts.
- Open the account, then Manage account → Import a statement.
- Upload the CSV — the date, description and amount columns line up.
- 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
Will it import into Xero?expand_more
Yes — the CSV goes in through Xero's Import a Statement screen and the date, description and amount columns line up, so you go straight to reconciling. If Xero asks you to confirm the column mapping the first time, save it and later imports remember the layout.
What's on a Kiwibank statement?expand_more
Kiwibank keeps the payee and the reference a payer typed in, laid out across Withdrawal, Deposit and Balance columns in NZD. The converter reads each of those into its own column, so the Xero-ready CSV imports into Xero cleanly.
Where do I download the Kiwibank statement?expand_more
From internet banking or the app, under Statements. Save the PDF, then drop it into the converter above — multi-page and multi-month statements are read in one go.
Can I use a photo of my Kiwibank statement?expand_more
Yes. Scanned or photographed PDFs are read with OCR into the same columns, and the balance check still runs, so a scan converts the same as a digital download.
Do I have to pay up front?expand_more
Converting is free to start. Excel, CSV and JSON download with no login; the Xero file needs a free sign-in.