Get your Xero bank statement lines through an API

What you can build on Xero

• Get unreconciled statement lines

  Build this

  Reads the statement lines still waiting to be reconciled for one bank account, with any match Xero suggests for each line.

  Takes

  Bank account, date from (optional), date to (optional)

  Returns

  Date, payee, reference, description, spent or received amount, suggested match

• Check bank feed status for every account

  Build this

  Reads each bank account's panel on the dashboard: the date of its latest statement line, the lines left to reconcile and both balances.

  Takes

  Nothing

  Returns

  Bank account, latest statement line date, lines to reconcile, statement balance, balance in Xero

• Get the Bank Reconciliation Summary

  Build this

  Runs the Bank Reconciliation Summary report for one bank account at a date and reads its balances and the items not yet reconciled.

  Takes

  Bank account, date

  Returns

  Statement balance, outstanding payments, outstanding receipts, balance in Xero, unreconciled items

• Import a bank statement file

  Build this

  Imports a statement file into a bank account that has no feed, for the accounts you still load by hand.

  Takes

  Bank account, statement file (OFX, QIF, QBO, QFX or CSV)

  Returns

  Bank account, lines imported, first and last line date

Automate Xero with a workflow

A workflow runs your methods as one process, with nobody at the screen. A schedule or a call from your own system starts it, the steps run in order, and the result arrives in your inbox or in the systems you already use.

• Bank feeds that stopped updating

  Build this

  Starts

  Every weekday at 7:00

  Step 1

  Check the bank feed status for every account on the dashboard.

  Step 2

  Keep the accounts whose latest statement line is more than one business day old.

  Step 3

  Email you the list with each account's latest line date and lines to reconcile.

• Unreconciled statement lines, grouped by payee

  Build this

  Starts

  Every Monday at 8:00

  Step 1

  For each bank account you name, get the unreconciled statement lines.

  Step 2

  Keep the lines that were not there on the last run.

  Step 3

  Group them by payee with an AI step and email you the summary.

• Month-end Bank Reconciliation Summary

  Build this

  Starts

  Monthly on the 1st at 9:00

  Step 1

  For each bank account you name, get the Bank Reconciliation Summary at the last day of the previous month.

  Step 2

  Keep the accounts where the statement balance differs from the balance in Xero.

  Step 3

  Post the balances and unreconciled items to your accounting team's webhook.

You can run a workflow by hand on every plan, Free included. Schedules and webhook triggers come with the paid plans, from $29 a month.

Once built, one call from your code

Once you have built a method, it is one POST to /v1/runs from your backend, or a tool an AI agent calls over MCP. This is what “Get unreconciled statement lines” would look like.

curl https://api.fous.com/v1/runs \
  -H "Authorization: Bearer $FOUS_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "method": "login.xero.com/get_unreconciled_statement_lines",
    "input": {
      "bank_account": "Northwind Operating Account",
      "date_from": "2026-11-01"
    }
  }'

{
  "status": "completed",
  "data": {
    "bank_account": "Northwind Operating Account",
    "lines": [
      {
        "date": "2026-11-10",
        "payee": "Globex Freight",
        "reference": "INV-3381",
        "description": "ACH DEBIT GLOBEX FREIGHT",
        "spent": 1240.5,
        "received": null,
        "suggested_match": "Bill INV-3381, Globex Freight, 1,240.50"
      }
    ],
    "count": 1,
    "currency": "USD"
  }
}

An example with invented data, not a ready-made endpoint. The method exists in your organization once you build it, and its name, inputs and fields follow your request.

Xero’s own options

Xero's Bank Feeds API is closed: only financial institutions with a financial services partnership with Xero can send statements into a feed. Businesses read their data through Xero's Accounting API, and its Finance API returns statement lines with a reconciled flag, documented for lenders. In the app, a feed imports transactions daily and statement files can be imported by hand.

Read on November 12, 2026: Xero Bank Feeds API specification, Xero developer pricing, Connect your bank to Xero.

Signing in to Xero

Xero protects sign-in with multi-factor authentication, which it is making mandatory globally, and its Xero Verify app lets you approve a sign-in from a push notification. With Fous you sign in once through Xero's own sign-in with your own account, and phone approvals are handled. The login is sealed with AES-256, never returned by the API or written to logs, and an expired session is signed back in.

Worth knowing

Bank Feeds API is for banks, not businesses

The Bank Feeds API only sends statements into Xero, and only financial institutions with a partnership can use it. To read your own bank data you use the Accounting or Finance API, or Xero's screens.

A feed imports once a day

Xero says a bank feed imports transactions daily, and you can refresh the feed to load the latest ones. A check for missing days should run after your feed's usual arrival time.

Some lines reconcile themselves

JAX reconciles statement lines it is highly confident about as they come in, switched on or off per bank account. Each reconciled line is labelled Rule, Match, Memory, Prediction or Manual.

Transactions are not statement lines

The Accounting API's BankTransactions returns spent and received money transactions. Statement lines with a reconciled flag come from the Finance API, built for lenders, with at most 12 months per query.

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