PNC · Xero

Convert a PNC statement PDF to Xero

Upload a PNC PDF statement and get Xero in seconds, verified to the penny against your statement balances. Free preview of every file.

Files deleted after 1 hourNever stored or used for trainingBalance check on every file
Processed in memory, never stored
No statement handy? See the result on a fictional one first:

1. Download the PDF from PNC

  1. Sign on to PNC Online Banking at pnc.com (or the PNC Mobile app).
  2. Select Accounts, pick the account and open Account Quick View, then Statements and Documents.
  3. Select View PDF for the statement you need and save it.

2. Upload and verify

Utilly reads every transaction, then checks that opening balance + transactions = closing balance. You'll see Balanced ✓ or exactly how far off it is, before you pay anything.

3. Import into Xero

  1. Download the Xero CSV from your results page.
  2. In Xero, go to Accounting → Bank accounts, click the menu icon (⋮) on the account and choose Import a Statement.
  3. Upload the file. The columns already match Xero's CSV statement template, and dates are written year first (YYYY/MM/DD), one of the date formats Xero lists, so the day and month can't be swapped. If Xero asks for the date format, choose YYYY/MM/DD, then check a date after the 12th on the Review screen.

About PNC statements

PNC statements print the amount before the description and without a sign, grouped into sections: Deposits and Other Additions, Checks and Substitute Checks, Banking/Debit Card Withdrawals and Purchases, Online and Electronic Banking Deductions and Other Deductions. Utilly signs each row by its section, turns checks into "Check 1043" rows, joins descriptions that wrap onto a second line and checks the result against the Beginning and Ending balance in the Balance Summary.

Works with PNC checking, Virtual Wallet and savings statements. Layout tested: Amount before the description, sections by type, Spend and Reserve on one statement.

Section by section: what we read on a PNC statement, Virtual Wallet Spend and Reserve, and how far back PNC statements go →

Why Xero?

Xero (US and Canada) can import some PDF statements directly. Elsewhere, and for scans or layouts it can't read, it needs CSV, OFX or QIF. The Xero CSV is laid out the way Xero expects, and Utilly has already checked it against your statement balances.

Rather import an OFX file than a CSV? The same results page has one, and Xero takes it under Import a Statement with no column mapping: see bank statement PDF to OFX.

Import failing, dates swapped or a balance that won't match? See Xero bank statement import errors and how to fix them.

Already have a CSV or Excel export from your bank? The free CSV to Xero converter turns Debit and Credit columns into one signed Amount and writes Xero's import layout.

Weighing Xero's own PDF import, Hubdoc or another converter? See bank statement to Xero converters compared.

Pricing

Preview any statement free. A $9 pack unlocks 5 full statements in every format, with no expiry and no subscription. Bookkeepers with many clients can go unlimited for $19/month. See pricing.

FAQ

Questions

Can I convert a PNC statement PDF to Xero for free?

You can preview every statement free: we show the balance check and the first 5 transactions with no sign-up. Unlocking the full file costs one credit ($9 for 5 statements).

Can Xero import a PDF bank statement?

In the US and Canada, Xero can import some PDF statements directly (Bank accounts → the account's menu icon → Import a Statement). Outside those regions, or when Xero can't read the file, use the Xero CSV from Utilly. It's checked against your statement balances first.

Is my statement stored?

No. The PDF is read in memory and never written to disk, and extracted results are deleted after 1 hour. We never use your data for AI training.

Do scanned statements work?

Not yet. PDFs downloaded from online banking are text-based and work well. Scans and phone photos need OCR, which is on the roadmap.

What if it doesn't balance?

You'll see exactly how far off it is before paying. If a paid conversion is wrong and we can't fix it, email support@version1.io for a refund.

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