Monzo → Xero
Convert a Monzo bank statement PDF to Xero
Monzo offers CSV and QIF alongside PDF in-app, but when an account is closed you only get an emailed password-protected PDF of the full history — unlock it with the texted password, then convert that PDF to Excel to recover your transactions. Every row is checked against the running balance before you get the file, so the figures reconcile instead of just looking plausible.
3 pages free· then $3 a bank statement· no account, no card
All pricing →Convert your Monzo bank statement
3 pages free. No account, no card.
Your file is deleted after processing — we keep no copy. What we do with it.
What you get
Your statement, already reconciled
Left, the text as it comes out of a statement PDF. Right, the sheet you download — same figures, in columns, each one checked against the balance the bank printed.
STATEMENT OF ACCOUNT Page 1 of 3
BALANCE BROUGHT FORWARD 1,250.50
03DEC25 TESCO STORES 4821 GB
42.10- 1,208.40
05DEC25 ACME LTD SALARY
2,400.00 3,608.40
09DEC25 BRITISH GAS DD
118.62- 3,489.78
14DEC25 TFL TRAVEL CH
38.40- 3,451.38
21DEC25 CARD PAYMENT REF 90
560.00- 2,891.38
31DEC25 INTEREST PAID
1.24 2,892.62
BALANCE CARRIED FORWARD 2,892.62
| date | description | amount | balance | checked |
|---|---|---|---|---|
| 2025-12-03 | Tesco Stores 4821 | -42.10 | 1,208.40 | |
| 2025-12-05 | Acme Ltd salary | +2,400.00 | 3,608.40 | |
| 2025-12-09 | British Gas DD | -118.62 | 3,489.78 | |
| 2025-12-14 | TfL travel charge | -38.40 | 3,451.38 | |
| 2025-12-21 | Card payment ref 90 | -560.00 | 2,891.38 | |
| 2025-12-31 | Interest paid | +1.24 | 2,892.62 |
Get the PDF
Where Monzo keeps your bank statement PDF
The exact path through Monzo.
- 1Open the Monzo app and tap 'Home' in the menu bar (Monzo is app-only — there's no statement download on the web).
- 2Tap the three dots underneath your card.
- 3Tap 'Bank statements'.
- 4Choose your date range, pick PDF as the format, and download.
Convert it
Turning that PDF into Xero
- 1Download the PDF Take the Monzo bank statement using the steps above.
- 2Upload it here One statement or a multi-page month — the first 3 pages convert free, with no account.
- 3Check the rows, then download You see the extracted rows and the balance check before paying for anything. A xero-ready bank statement csv, with date, description, amount and balance.
Then import it
Getting the Monzo rows into Xero
The conversion is half the job. This is the other half.
- 1In Xero, go to Accounting → Bank accounts and pick the account.
- 2Choose 'Manage Account' → 'Import a Statement'.
- 3Upload the CSV from here. Its columns are already named the way Xero expects, so the mapping screen needs no changes.
- 4Confirm the date format, import, then reconcile as usual.
Your file
What happens to the bank statement you upload
You're handing a financial document to a website you found through a search result. Here is exactly what it does with it.
- Retention
- 60 minutes. Your PDF and the spreadsheet built from it are deleted on a timer, whether you download or not.
- Accounts
- None. No signup, no password, no email required to convert or to pay.
- Where it runs
- One server in London. PDFs are parsed there; the text isn't handed to an outside service.
- If it's wrong
- 14 days, refunded. And you see the extracted rows before you're asked for money.
Questions
Monzo bank statements, specifically
How do I convert a Monzo bank statement to Xero?
Upload your Monzo bank statement PDF, and LedgerLift returns a Xero-ready bank statement CSV with date, description, amount and balance columns — usually in seconds.
Can I export my Monzo bank statement to Xero?
Yes. Monzo doesn't export to Xero directly, so download the bank statement as a PDF and convert it here — no manual copying.
How do I download my Monzo bank statement as a PDF?
Open the Monzo app and tap 'Home' in the menu bar (Monzo is app-only — there's no statement download on the web). Tap the three dots underneath your card. Tap 'Bank statements'. Choose your date range, pick PDF as the format, and download. Then upload it here.
What does it cost to convert a Monzo bank statement?
The first 3 pages are free and need no account. Past that it's $3 to unlock the statement you just converted, which also leaves you credit towards the next one. Full pricing.
Is it accurate?
The extracted rows are re-added and compared against the running balance printed on the bank statement. If the two agree, the figures are arithmetically sound; any row that can't be resolved confidently is flagged in the preview rather than quietly guessed at.
Is my data secure?
Your PDF is deleted automatically after processing and we keep no copy. There's no account to create, and we never sell, share or train on financial data.
Which Monzo accounts are supported?
Current, savings and credit-card Monzo statements in PDF format. Multi-page documents are fine.