Lloyds statement PDFs convert to a clean signed ledger, and Xero imports it in one step — the practical route when a client arrives with statements instead of a bank feed.
Convert the statement first
- Upload the Lloyds PDF to the converter — Classic, Club Lloyds or business banking.
- The UK money-out/money-in columns become signed amounts, verified against the statement's own opening and closing balances before export.
- Download OFX for Xero's no-mapping import, or CSV if you prefer to see the columns.
Import into Xero
- Manage account → Import a statement on the matching Xero bank account.
- Select the file. OFX imports directly; CSV asks for a quick mapping — our layout is date, description, amount, balance.
- Reconcile as normal.
Lloyds-specific notes
- DD/MM dates are normalised to ISO on export, so there's no ambiguity about which day is which — Xero reads them unambiguously.
- Group siblings: Bank of Scotland and Halifax statements are different layouts from the same group — each has its own converter page, and all export in the same clean format.
Reconciling
The imported statement balance matches the printed closing balance — that reconciliation happened before the file existed. Differences that appear inside Xero usually mean duplicates from an overlapping feed.