How it works

The financial web journey starts with bank feeds

With direct bank feeds, bank transactions flow seamlessly into Xero, reducing manual admin work and the risk of data entry errors. Bank feeds make daily reconciliation a reality and allow businesses to see their true financial position each business day.

Working on the exact same data, accountants and bookkeepers can forecast, plan, and help businesses remain financially stable and viable.

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Choose what works for you

Xero offers different options for bank feed integrations, including Open Banking enabled bank feeds, depending on your financial institution preference and technical capability. Talk to us about the right solution for you.



The customer is assisted through provisioning using application forms submitted by customers to  Xero and then processed by the financial institution support teams.
Statement data is delivered to Xero in batch files.

Xero API

Customers enjoy self-service provisioning. Your financial institution delivers the user experience, using the Xero API including authorisation using oAuth.
Statement data is delivered to Xero in batch files or your financial institution pushes to Xero's API.

Open Banking Standard API

Customers enjoy self-service provisioning.  Xero delivers the user experience using your financial institution’s Open Banking APIs including consent and authorisation using oAuth.

Statement data is retrieved by Xero via your financial institution’s APIs.

Xero is registered with the Financial Conduct Authority (FCA) as an Account Information Service Provider (AISP).


Over a hundred banks are already connected

Our first direct bank feed was from ASB on 4 March 2007. Now, Xero has over 100 direct bank feed connections globally.

See Xero’s banking partners

Bank logos

Open Banking means even better bank feeds

The UK’s biggest banks have been told to make it easy for customers to share banking data. It means more direct bank feeds than ever – and that’s great for business.

Learn more about Open Banking

Talk to us about the right bank feed solution for you, contact us.