Convert BMO Bank of Montreal Statement to Xero — Step-by-Step Guide

BMO Bank of Montreal PDF statement: Convert bank statement PDF to Xero-formatted CSV. Imports directly via Accounting → Import a Statement. No column mapping. Free, no signup.

Output format: Xero (.csv)

Supported account types: BMO Performance Chequing, Premium Rate Savings, BMO Plus Plan, BMO AIR MILES Mastercard, BMO Cashback Mastercard, BMO eclipse Visa Infinite, BMO World Elite Mastercard, BMO Ascend World Elite Mastercard, BMO Business Chequing, Commercial banking accounts

How to Convert

1. Log in to https://www.bmo.com/en-ca/ and download your statement as a PDF
2. Upload the PDF to Bank Statement Converter
3. Select Xero as the output format and click Convert
4. Download your .csv file — ready in under 20 seconds

Other formats: BMO Bank of Montreal to Excel · BMO Bank of Montreal to CSV · BMO Bank of Montreal to QuickBooks · BMO Bank of Montreal to Google Sheets · BMO Bank of Montreal to Quicken

Frequently Asked Questions

What CSV format does Xero require for bank imports?

Xero requires: Date (DD/MM/YYYY), Amount (positive for credits, negative for debits), Payee (optional), and Description. Bank Statement Converter outputs exactly this format when you select the Xero option.

Can I import a Xero CSV for multiple bank accounts at once?

No. Xero requires a separate import for each bank account. If you have statements from multiple accounts, convert each separately and import each into the corresponding Xero account.

Does Xero bank statement import work for all Xero plans?

Yes. Manual bank statement import via CSV is available on all Xero plans including Starter, Standard, and Premium. This is different from automatic bank feeds, which also require a Xero plan.

Will Xero reconcile the imported transactions automatically?

Xero will automatically match imported transactions against existing invoices and bills where the amounts match. Unmatched transactions appear in the Reconcile tab for manual review.