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Import a Wise statement CSV into Xero

In short: A Wise statement CSV covers one currency balance, newest first, with day-first dates, signed amounts, a running balance, and fees that can appear as their own rows. Xero's statement import uses its own CSV template: a Date and a signed Amount on every line, plus Payee, Description, Reference and a cheque number column. Money out is negative. Drop the file below. It is converted on your device and never uploaded.

Convert your file

Wise to Xero (CSV)

statement_<number>_<currency>_<dates>.csv

Your file stays on this device

It is read and converted by this page, inside your browser. Nothing from the file is uploaded, and the converter keeps working offline once the page has loaded.

One email when it ships. The address is used for nothing else. Details.

1. Export the file from Wise

  1. In Wise open the currency balance you want.
  2. Choose Statements (or Statements and reports) and pick the dates.
  3. Choose CSV as the format and download.
  4. Upload the file here. Each currency balance is a separate file.

Why a raw Wise export fails in Xero

Xero would need the extra columns removed and the day-first dates confirmed, and a fee shown both as its own row and in the Total fees column can be counted twice if both are used.

Xero imports the CSV line by line, so title rows above the table, balance rows, currency symbols in the amount, or separate gross, fee and net columns end up rejected or imported as the wrong amount.

What is unusual about the Wise file

  • One file per currency balance, newest first, dates written DD-MM-YYYY.
  • Amount is signed and is what moved the balance; the Running Balance column is used to check the file.
  • A fee can be its own row ("Charges for: TRANSFER-...") while the main row also shows it under Total fees; the fee is counted once.
  • Currency conversions between your own Wise balances appear in both currency files.
  • Several layouts exist (with or without Date Time and Transaction Type columns); columns are matched by name.
  • Journal entries are not offered: the statement does not say which money coming in is sales and which is your own money, a loan or a refund.

What Xero requires

  • Header matches Xero's template: *Date, *Amount, Payee, Description, Reference, Check Number.
  • One signed amount column: money out negative, decimal point, no symbols.
  • Up to 100,000 rows per file.

2. Before and after

Before: the Wise statement CSV as downloaded

"TransferWise ID",Date,Amount,Currency,Description,"Payment Reference","Running Balance","Exchange From","Exchange To","Exchange Rate","Payer Name"...
TRANSFER-102,20-08-2024,0.00,USD,Received money from Test Payer,,1996.17,,,,Test Payer,,,,,,,,0.00
BALANCE-300,15-08-2024,-100.00,USD,Converted 100.00 USD to 92.00 EUR,,1996.17,USD,EUR,0.92000,,,,,,,,,0.00
CARD-201,12-08-2024,10.00,USD,"Card transaction of 10.00 USD refunded by Coffee, Inc",,2096.17,,,,,,,"Coffee, Inc",4321,Sam Placeholder,,,0.00
CARD-200,10-08-2024,-45.10,USD,"Card transaction of 45.10 USD issued by Coffee, Inc",,2086.17,,,,,,,"Coffee, Inc",4321,Sam Placeholder,,,0.00
TRANSFER-101,05-08-2024,-11.35,USD,Wise Charges for: TRANSFER-101,,2131.27,,,,,Wise,,,,,,,0.00
TRANSFER-101,05-08-2024,-357.38,USD,Sent money to John Doe,Rent,2142.62,,,,,John Doe,LT21 1111 2222 3333 4444,,,,,,11.35
TRANSFER-100,01-08-2024,1500.00,USD,Received money from Acme Ltd,Invoice 42,2500.00,,,,Acme Ltd,,,,,,,,0.00

After: what Xero receives

After: wise-2024-08-01-to-2024-08-15-xero.csv
*Date*AmountPayeeDescriptionReferenceCheck Number
08/01/20241500.00Acme LtdReceived money from Acme Ltd - Invoice 42TRANSFER-100
08/05/2024-357.38John DoeSent money to John Doe - RentTRANSFER-101
08/05/2024-11.35WiseWise Charges for: TRANSFER-101TRANSFER-101
08/10/2024-45.10Coffee, IncCard transaction of 45.10 USD issued by Coffee, IncCARD-200
08/12/202410.00Coffee, IncCard transaction of 10.00 USD refunded by Coffee, IncCARD-201
08/15/2024-100.00Converted 100.00 USD to 92.00 EURBALANCE-300

Synthetic sample data that follows the real export layout, not a real account. The "after" output was produced from it by the same converter this page runs.

3. Import the converted file into Xero

  1. In Xero open Accounting > Bank accounts and choose the account.
  2. Click Manage account > Import a statement.
  3. Choose this CSV and click Import.
  4. Check the column mapping (Date, Amount, Payee, Description, Reference) and confirm the date format if asked.

Questions

Are Wise fees counted twice?
No. A Wise statement can show a fee as its own row and again in the Total fees column of the transfer it belongs to. The converter uses the amount on each row as written and never subtracts Total fees, then checks the result against the Running Balance column.
Which date format does Xero need?
Xero lists both month-first and day-first dates as accepted and asks you to confirm the format when it is unclear. Choose United States for MM/DD/YYYY or Elsewhere for DD/MM/YYYY, and confirm the same format in Xero if it asks.
I have balances in several currencies. What do I download?
Wise gives one statement per currency balance. Download and convert each one, and keep each currency in its own account in your books. A conversion between your balances shows up in both files.
Can I import more than one month at once?
Yes. Xero imports the whole statement file you give it. Keep each file to one bank account in Xero, and avoid overlapping a period you already imported so you do not have to delete duplicate statement lines.

Other ways to convert Wise

Other exports to Xero (CSV)