Mercury bank feed for Xero: import Mercury statements as a live feed

Where the native Mercury feed falls short

Mercury offers a native Xero feed, connected from inside Mercury and free to use, so if you only need a daily USD feed going forward, use it. The limits sit at the edges: the first sync backfills twelve months at most, older history is a manual job, and connecting on top of previously imported statements leaves duplicates to clear by hand.

Mercury is USD only, but one company rarely means one account: checking, savings and treasury sit separately, each with its own statements, and the IO credit card produces statements of its own. The native feed's first sync reaches back twelve months at most, so older history - common when a startup gets its books built properly for the first time - has to come from the monthly PDF statements or a CSV export. On the Xero side, the receiving bank account must be USD, so a UK or Australian org needs multi-currency enabled before anything can post.

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 Mercury 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 Mercury 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

• Wise bank feed for Xero: import Wise statements as a live feed
• Airwallex bank feed for Xero: import the history the feed will not sync
• Stripe bank feed for Xero: reconcile payouts against gross sales
• No Xero feed for your foreign bank account? Import its statements as one.