Xero bank feeds: what each one covers, and where it stops

Xero has direct feeds with supported banks chiefly in the UK, Australia, New Zealand, the US and Canada, and the list is available from the Add Bank Account screen inside Xero. Coverage is per account rather than per bank: a business account at a supported bank may feed while a personal or joint account at the same bank cannot connect at all.

Xero's documented fallback is to export a statement and import it manually as CSV, OFX, QBO, QFX or QIF. That works, but it is a repeat job every month, and the importer verifies nothing about the file it is handed: not that the period was complete, not that the closing balance agrees. The alternative is to post those same statements through Xero's Bank Feeds API, so the account is fed rather than imported into.

Feed eligibility depends on the account, not just the bank. Account type, plan tier, card type and country all decide it, which is why one account can feed perfectly while another at the same provider has no feed available.

Not through the manual import, which accepts CSV, OFX, QBO, QFX and QIF only. A PDF has to be converted to one of those first, which in the US and Canada is what Xero's own Hubdoc extraction does, or read by an application that posts the lines into Xero through the Bank Feeds API.