Amex bank feed for Xero: for the cards and markets Xero cannot cover

Where American Express feeds fall short

American Express has direct feeds with Xero in several markets, including the UK (through Open Banking since the old feed was retired in November 2023), the US, Australia and New Zealand. Coverage depends on the card and the country - some corporate and older card accounts are not eligible, and a feed only runs forward from the day it connects, so history and non-covered cards still need manual work.

Amex exports follow credit-card convention: charges are positive, payments and credits negative - the mirror image of a bank export - so an import with the signs unchecked posts every line backwards. The online activity download carries no running balance column, which means nothing in the file proves it is complete, and the download window is limited (for many accounts, roughly the last six billing statements), so older history means working from PDF statements. Statements for accounts with supplementary cardholders group spend by card rather than by date, which scrambles a straight chronological import. Coverage is regional as well as card-by-card: at the time of writing there is no direct Amex feed at all for business cards issued in several markets - Hong Kong among them - so those cards run on manual imports indefinitely.

The manual way, every month

• Download the statement for the missing period
• Check the file format, dates and signed amounts
• Import into the correct Xero account and review overlaps
• Compare the closing balance and reconcile the lines

A usable CSV or OFX from the provider may be enough. Native PDF import is also available for eligible US and Canadian Xero organisations.

Review the statement, then choose how to import it

Preview the extraction, check the transactions, then send eligible lines through Xero's Bank Feeds API or download a Xero-ready CSV. Direct delivery supports dates within the last year and can be blocked by another provider's feed connection. Use CSV for older history. Overlap checks cover previous uploads to the same StatementClear feed, so also check any period already imported from other sources.

1. Step 1

   Start with your statement

   Preview a file before choosing how to get it into Xero.

2. Step 2

   Upload your American Express statement

   PDF, CSV or Excel - whatever you can export. Map the columns once and we remember the mapping.

3. Step 3

   We check it first

   Review dates, amounts and signs. Balance checks use the source data, and overlap checks use prior StatementClear uploads.

4. Step 4

   Send to Xero or download CSV

   Send eligible lines directly to Xero or download a Xero-ready CSV. You complete reconciliation in Xero.

See the PDF-to-Xero workflow · Check PDF import in your region

Questions about American Express and Xero

Where this comes from

Everything above about what Xero's native feed covers, what its manual import accepts and how feed lines reach a bank account comes from Xero's own documentation. The relevant pages are below, so you can check the claim rather than take it.

• Import a PDF bank statementNative PDF import in the US and Canada, with plan and document requirements. Checked 30 September 2026.
• About bank feedsXero's own account of which feeds exist, how they connect and what they do not cover.
• Import a CSV bank statementThe manual import: the formats it accepts, and how it handles lines it has seen before.
• Bank Feeds API overviewThe interface StatementClear posts through, and the reason a fed line is not an imported one.

Related accounts

• Credit card bank feed for Xero: for the cards Xero cannot feed
• Revolut bank feed for Xero: import Revolut statements as a live feed
• Wise bank feed for Xero: import Wise statements as a live feed
• No Xero feed for your foreign bank account? Import its statements as one.