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Westpac Choice bank statement PDF to Xero CSV
StatementCSV turns a Westpac Choice digital text statement PDF into the CSV Xero expects for a manual bank import. Parsing runs in this browser with pdf.js. The PDF is not uploaded to our server. Proven on a real 2026 Choice statement: every row had to reconcile through the balance-chain gate. If the file is a scan, a photo of a printout, or a Westpac product we have not proven, convert fails loud — it stops with an error instead of guessing rows.
What the statement looks like
A Westpac Choice statement is a digital PDF with a transaction table: Date as DD/MM/YY, Transaction description, Debit, Credit, and Balance. Opening and closing balances sit in that table. Long descriptions wrap onto the next line under the first, and the debit or credit often prints on the wrapped line.
Invented example only — not from a customer file. The second row shows a wrapped description.
| Date | Description | Debit | Credit | Balance |
|---|---|---|---|---|
| 03/03/26 | TRANSFER TO EXAMPLE SAVER 01 | 40.00 | 960.00 | |
| 04/03/26 | POS EXAMPLE BOOKSHOP EXAMPLEVILLE | 18.90 | 941.10 | |
| 05/03/26 | DEPOSIT FROM A N OTHER | 75.00 | 1,016.10 |
How to get a digital text PDF
Export or download the statement PDF from Westpac Online Banking or the Westpac app for the Choice account and period you are reconciling. We do not publish click-by-click screens because those menus change. Use a digital file with selectable text.
- Sign in to Westpac Online Banking or the Westpac app.
- Open the Choice account and export or download the statement PDF for the period you need.
- Keep the original digital file. Do not print it and scan it back in.
What the converter handles
The converter joins multi-line wrapped transaction rows into one CSV line, reads DD/MM/YY from the date column, and skips opening and closing balance rows (those are not transactions). Overdrawn accounts that print a leading minus on the running balance are kept, and the file still has to reconcile.
What is and isn't supported
Proven on a real 2026 Westpac Choice statement, balance-chain reconciled end to end. If Westpac will export a CSV for the same period, prefer that file. Spot-check every import; this is not tax advice.
Supported
- Westpac Choice digital text PDFs that match the layout proven on a real 2026 customer file
- Selectable text (you can highlight a transaction in a PDF reader)
- Wrapped two-line descriptions joined into one row, checked in an editable table before you download
Not supported
- Scans, photos, or printed statements with no text layer
- Westpac credit-card statements
- St.George and Bank of Melbourne PDFs — refused, not guessed
- Other Westpac products we have not proven — those are refused, not guessed
Import the CSV in Xero
- Download the CSV from Convert after you have checked the rows.
- In Xero: Accounting → Bank accounts → Manage account → Import a statement.
- Map Date, Amount, Payee, Description and Reference if Xero asks. Dates are DD/MM/YYYY. Amount is one signed column (money in positive, money out negative).
- Confirm the statement lines, then reconcile as usual.
Known quirks
- Overdrawn / negative balances. When the account is overdrawn, Westpac prints a leading minus (and a thousands comma) on the running balance. The converter keeps that figure. Download is still blocked unless opening balance, every row, and closing balance add up.
- The Convert page still has a synthetic Westpac sample button. That sample is a generic table demo, not this Choice layout, and is not proof of support.
Accuracy
This layout has been proven on a real customer PDF. Other products from the same bank may still fail. We refuse unknown layouts and scans rather than invent a digit. This is not tax advice. Spot-check every import.