Wells Fargo statement to Xero: download, convert and import

Xero can take Wells Fargo data three ways: a bank feed (going forward), a file download for recent activity, and PDF statements converted to CSV for older months. For catch-up work you usually need the last two.

1. Recent activity: Download Account Activity

In Wells Fargo online banking, open the account and choose Download Account Activity. Pick the date range and a format. Xero imports OFX/QFX and CSV files, so choose the Quicken (QFX/OFX) option if it is offered, or comma-delimited otherwise. The date range available for download is usually shorter than the statement archive.

2. Older months: PDF statements

Go to Statements & Documents, choose the account and download each monthly PDF. Name the files by account and period (for example 4821_2025-03.pdf) so you can see at a glance if a month is missing.

3. Shape the CSV for Xero

• Xero's bank statement CSV needs at least Date and Amount, plus a payee or description. Download Xero's own template from the import screen and match its columns.
• Wells Fargo's plain comma-delimited download often has no header row. Add headers before importing so you can map them.
• Use one signed Amount column: money in positive, money out negative.
• Keep one date format throughout the file, and set the matching format in Xero's import step.

4. Tie out before you import

1. For each statement: opening balance + all amounts = closing balance.
2. Chain months: each closing balance must equal the next opening balance. Wells Fargo's daily balance summary helps find the exact day a break starts.

5. Import into Xero

1. In Xero go to Accounting → Bank accounts, open the account's menu and choose Import a statement.
2. Upload the file, map the columns, and check the preview.
3. If a bank feed is already connected, import only dates before the feed started to avoid duplicates.
4. Reconcile the imported lines, then compare Xero's statement balance with the PDF.

Troubleshooting: see Xero bank statement import errors. For QuickBooks instead, see Wells Fargo to QuickBooks.

Bank menus change; labels here were accurate to our knowledge in Oct 2026, so check your bank's help pages if something differs.