Direct answer

Maps Santander CSV to Xero. Handles Money In / Money Out column structure. Everything runs in your browser - nothing is uploaded, and digital PDF statements are read the same way, with no OCR.

~7 minby hand
<1 minwith StatementFlow
Client-sidenothing uploaded
Freeto start
Presets → Santander
Santander → Xero

Convert Santander CSV export to Xero import format

Runs in your browser - CSV or digital PDF, nothing uploaded, no OCR
~7 min → under 1 min
Free to start
Get started free →
Go from ~7 min by hand to under a minute with StatementFlow.

How to export from Santander

Before using StatementFlow you need the CSV from your Santander account.

Where to find itExport from Santander online banking: Account → Transactions → Download

What StatementFlow fixes

Santander gives you a clean CSV or a digital PDF statement, but the column names and formats don't match what Xero expects on import. StatementFlow renames the columns, reformats the dates, and cleans any values that would make Xero reject the file - all in your browser, no upload and no OCR.

Column transformations applied

Date → Date (reformatted to UK date (DD/MM/YYYY))
Description → Description (trimmed)
Money In → Credit (strip_currency)
Money Out → Debit (strip_currency)

How to use this preset

1. Export your CSV from Santander using the instructions above.
2. Click "Get started free" — the preset loads automatically.
3. Drop your CSV into StatementFlow.
4. Review the changes — dates reformatted, columns renamed.
5. Download the fixed file and import it into Xero.

Santander → Xero

Free to start. No account needed to try.

Get started free →
Free · No signup · In your browser
Source bankSantander
Target softwareXero
By hand~7 min
With StatementFlowunder 1 min

Common questions

How do I convert a Santander CSV to Xero format?
StatementFlow re-shapes your Santander CSV export into the column layout Xero expects - renaming columns, reformatting dates and cleaning values - entirely in your browser. Typical run time is under a minute. It also reads digital Santander PDF statements the same way.
Is this different from the usual PDF bank statement converters?
Yes. Most PDF converters upload your statement to a server and OCR-guess the numbers off an image. StatementFlow reads the text in a digital PDF or a CSV right in your browser - nothing uploaded, no OCR - and checks every figure against the statement's own balance before you export.
What does StatementFlow change in the Santander export?
Date → Date (reformatted to UK date (DD/MM/YYYY)); Description → Description (trimmed); Money In → Credit (strip_currency); Money Out → Debit (strip_currency).
Does my file get uploaded to a server?
No. All processing happens in your browser. Your file data never leaves your computer.