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

Where the native Wise feed falls short

Wise has a native Xero direct feed for business accounts, syncing roughly every four hours. But it is per-currency (each balance needs a same-currency Xero account on a multi-currency plan), backfill stops at one year, and personal accounts and older history still come down to manual imports.

Two things trip people up. First, the Amount on a transfer already includes the Wise fee, with the fee repeated in a separate Total fees column that is informational only - add them together and every payment is overstated. Second, a conversion between balances appears on both currency statements, once on each side, so importing both sides carelessly double-counts the move. The sign convention itself is simple: one signed Amount column, negative for money out.

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 Wise 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 Wise 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.

Guides for Wise in Xero

• Connecting Wise to Xero: one connection per currency, and what it leaves outHow the Wise to Xero connection works: one Xero account per currency balance, about a year of backfill, and what the feed will never carry.
• Wise bank feed not working in Xero: causes and fixesWhy a Wise feed stops in Xero: disconnected permissions, per-currency accounts, the one-year backfill limit and personal accounts. What to do about each.

Related accounts

• Revolut bank feed for Xero: import Revolut statements as a live feed
• Airwallex bank feed for Xero: import the history the feed will not sync
• Payoneer bank feed for Xero: the balances and history the sync misses
• No Xero feed for your FX account? Import each currency as one.