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Convert Monzo Bank Statement to Xero

Turn your Monzo PDF statement — digital, scanned, or a phone photo — into Xero (OFX) in seconds. An OFX file that Xero — and most other accounting tools — import as a bank statement. Exported PDF statements from the Monzo app.

Monzo → Xero

Upload your statement

Drag & drop a PDF, scan, or photo — any bank. Our AI extracts every transaction and exports to Excel, CSV, QBO, or OFX.

Drag & drop your statement here

or browse files

PDF · PNG · JPG · WEBPUp to 20MB · 50 pages

Encrypted in transit · Processed in memory · Deleted immediately

How to convert a Monzo statement to Xero

  1. 1Upload your Monzo statement — a PDF, scan, or phone photo. No conversion to images needed.
  2. 2Our vision AI reads the transactions and reconciles them against the running balance, flagging any misread digits.
  3. 3Review and edit the table if you like, then click Export and choose Xero (OFX).
  4. 4In Xero: open the bank account → Manage Account → Import a Statement, then upload the .ofx file.

Monzo to Xero — questions

Is converting Monzo statements to Xero free?+

Yes — the free tier converts up to 10 pages a month with no credit card. Larger volumes are covered by Pro and Business plans.

Does it work with scanned Monzo statements?+

Yes. Upload a scan or a phone photo of your Monzo statement — the AI reads it, not just clean digital PDFs.

How do I use the Xero file?+

In Xero: open the bank account → Manage Account → Import a Statement, then upload the .ofx file.

Is my Monzo data safe?+

Your file is processed in memory to extract the transactions and then deleted immediately. We never store your Monzo statements.

Prefer another format? Monzo to Excel · Monzo to CSV · Monzo to QuickBooks

From a different bank? Convert any bank statement to Xero.

See all Monzo options or other United Kingdom banks.

How to download your Monzo statement

  1. 1Open the Monzo app and tap your account.
  2. 2Go to “Statements”, choose the month, and export as PDF.
  3. 3Save or email the PDF to yourself.
  4. 4Upload it to StatementFlow.

Monzo statement formats we handle

Monzo personal and business account statements (app-exported).

Monzo PDF statements list the merchant name and category per transaction; StatementFlow extracts the merchant as the description so your exported Excel or QuickBooks data is already human-readable.

Guides for converting Monzo statements

How do I import a bank statement into Xero?Can I convert a scanned bank statement to Excel?Is it safe to convert a bank statement online?Is there a free bank statement converter?

See all bank statement guides.