StatementSnap

Capital One CSV to Xero

Turn your Capital One export into a file Xero will import: Date, Amount, Payee, Description, Reference (with the asterisks Xero uses for required columns).

Your file never leaves your computer. Everything runs in this page. No upload, no account, no server.

Drop your bank CSV here or choose a file

or try a sample

What a Capital One export looks like

Columns: Transaction Date, Posted Date, Card No., Description, Category, Debit, Credit. (Tiller Capital One export guide)
The same header appears in the example workflow of the open-source mojito project (which notes the format as of October 2020). (mojito README)
Dates are ISO (YYYY-MM-DD). Instead of one signed Amount column there are Debit and Credit columns, and the unused one is blank on each row. (beancount.io Capital One page)

Capital One may change the layout; if a column does not map right, change it in the dropdowns. Not affiliated with Capital One.

How it maps to Xero

Capital One writes ISO dates (YYYY-MM-DD). ISO dates in the original are converted to the Xero date order you pick.
Capital One puts money out and money in in separate columns. Your original file has separate money-out and money-in columns. The converted file has a single signed Amount column, which is one of the layouts the guides above describe.

Dates in the converted file: DD/MM/YYYY by default (UK, Australia, New Zealand order). If your Xero organisation uses US dates, choose "Xero, US date order" in the Import into list and you get MM/DD/YYYY.

Import into Xero

In Xero, go to Accounting, then Bank accounts, and open the account.
Choose Import a Statement (some versions word it "Manually import a statement") and browse to the converted file.
Check the column mapping Xero shows (Date, Amount, Payee, Description, Reference), then review the preview.
Save, then map payee names and categorise the transactions in reconciliation.

Sources: ProperSoft Xero CSV import guide (third party), invoicedataextraction.com Xero import guide (third party). Xero's own help pages could not be reached, so these steps come from two third-party guides. One of them says date order is the most common cause of Xero import errors and lists US dates as MM/DD/YYYY and UK/AU/NZ dates as DD/MM/YYYY. Check against Xero Central if a step looks different on your account. Not affiliated with Xero.

Questions about Capital One and Xero

Which date order should I choose? The one your Xero organisation uses. The default is day-first. US-region organisations should pick the US option in the Import into list.

Does the converted file have currency symbols? No. Amounts are plain numbers with two decimals, no symbols and no thousand separators.

The "try a sample" link above loads made-up rows in the Capital One layout.

Free online, or the offline edition

Online (this page)

Free

First 25 rows per file
All 5 import formats
Fully private, runs in your browser

Offline edition

$29 one time

One file you keep, works with no internet
No row limit, no key, no account
Same private conversion, for as many statements as you like

Buy the offline edition

FAQ

Is my bank data uploaded?

No. The converter is JavaScript running in your browser tab. You can disconnect from the internet after the page loads and it still works.

Which banks work?

Any bank that exports CSV. Dates, delimiters (comma, semicolon, tab), European number formats, separate debit/credit columns, headerless files and extra summary rows are handled, and you can override the column mapping.