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

NAB connects to Xero directly from NAB Internet Banking, the NAB app or NAB Connect, and feeds run daily once active. The gaps are eligibility and access: NAB decides which account types qualify, sub cards under a primary card generally get no feed, and the setup needs Administrator rights that the person doing the books often does not hold. StatementClear lets you review the statement, then send eligible lines to Xero or download a Xero-ready CSV. Direct delivery supports dates within the last year; older history uses CSV.

NAB has a genuine direct feed to Xero, and where it covers your account, use it. The people who land on this page are usually outside it. Setting the feed up requires Administrator rights in NAB Internet Banking or NAB Connect, which the bookkeeper or external accountant frequently does not have, so the request sits with a director who is not in a hurry. Without NAB Internet Banking at all, the fallback is a paper Authority to disclose information form and the wait that comes with it. And NAB itself decides which account types are eligible, so a card or a facility that is not on its list has no feed to apply for. StatementClear lets you review the statement, then send eligible lines to Xero or download a Xero-ready CSV. Direct delivery supports dates within the last year; older history uses CSV.

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Where the native NAB feed falls short

NAB has a direct Xero feed set up from NAB Internet Banking, the NAB app or NAB Connect, and it imports transactions daily once running. It is NAB, not Xero, that decides which accounts qualify: an account type NAB does not list simply has no feed available, and a sub card sitting under a primary card usually cannot get one because the feed is issued against the primary card only.

NAB exports transactions from Internet Banking and NAB Connect as CSV, and the two are not the same file. NAB Connect exports carry more columns and a different date format than the retail Internet Banking export, so a mapping built against one will not read the other cleanly. NAB's CSV also splits money in and money out across separate debit and credit columns rather than using a single signed amount, which is the format Xero's manual import handles least well and the one most likely to post an entire statement with the signs inverted.

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 NAB 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 NAB and Xero

When you are outside what NAB will feed. NAB decides which account types are eligible, so an account it does not list has no feed to apply for. A sub card under a primary card usually cannot get one either, because the feed is issued against the primary card only. It also covers the wait: setting up a NAB feed needs Administrator rights, and where nobody available holds them the alternative is a paper Authority to disclose information form. StatementClear lets you review the statement, then send eligible lines to Xero or download a Xero-ready CSV. Direct delivery supports dates within the last year; older history uses CSV.

NAB requires an Administrator on the account to authorise it, from NAB Internet Banking, the NAB app or NAB Connect. A bookkeeper or external accountant with view-only access cannot complete the flow, so the request has to go to a director. If you have no NAB Internet Banking at all, the route is an Authority to disclose information form instead. StatementClear needs none of that: it works from the statement file, so whoever can download the statement can get the lines into Xero.

Either works. They are different files, though: NAB Connect exports carry more columns and a different date format than the retail Internet Banking export, and both split money in and money out into separate debit and credit columns rather than one signed amount. StatementClear maps whichever one you use once per account and remembers it, so the second upload needs no setup.

You can convert the statement history the provider makes available. Transactions more than one year old use Xero-ready CSV files for manual import; direct delivery is limited to eligible dates within the last year. Check existing Xero lines and any feed connection before importing.

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.

Guides for NAB in Xero

Related accounts

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