UK
About Monzo statements
Monzo is an app-only bank with no branches, so the PDF statement comes out of the phone app rather than a website. Because there's no branch and no posted paper, the PDF lives in the app, under Account → Statements — that's the file to upload here.
It helps to know how the statement is put together. Monzo's PDF comes straight from the app with tidy merchant names and spending categories, and money moved into a Pot shows as a transfer. A plain PDF export flattens that structure; the converter keeps each piece in its own column.
Amounts stay in GBP (pounds) and dates keep the DD/MM/YYYY order — no quiet day/month swaps on the way out. If your only copy is a scan or a phone photo, that's fine — OCR handles it, and the totals still get reconciled.
Once it's in Xero, you reconcile the lines like any other import — the conversion just saves you the typing.
Why people convert Monzo to Xero
Bank feeds in Xero can also duplicate or mis-code lines from an account like Monzo, and unpicking that is slower than a clean import. Converting the PDF gives you a tidy statement file you can bring in and reconcile against, feed or no feed.
The common case is a bookkeeper handed a folder of Monzo PDFs and told to "get these into Xero." Converting each one is far quicker than retyping, and the balance check means you trust the totals before they land in the books.
Import a Monzo 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 converter checks the maths before handing you the file — so if a transaction dropped out of the PDF, you know about it now, not when the Xero balance is off.
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 does a Monzo statement look like?expand_more
Monzo's PDF comes straight from the app with tidy merchant names and spending categories, and money moved into a Pot shows as a transfer. The converter reads each of those into its own column, so the Xero-ready CSV imports into Xero cleanly.
Where do I get the Monzo statement PDF?expand_more
From the app, under Account → Statements. Export the actual statement PDF rather than screenshotting the transaction list — the PDF has the dates, amounts and balance the converter reads.
What if my Monzo PDF is just a scan?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.
What does it cost to start?expand_more
Converting is free to start. Excel, CSV and JSON download with no login; the Xero file needs a free sign-in.