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Capital One credit-card statements have a transactions-by-category structure with a separate fees-and-interest section. 360 Checking looks like a traditional bank ledger. Bank2XL handles both and tags the output accordingly.
Xero on the import side: Xero is picky about CSV column names. If you use the CSV option from Bank2XL, the column headers match what Xero expects (Date, Amount, Description). If Xero complains, switch to the OFX file, which is unambiguous because the format is structured.
| Capital One statement input | Bank2XL CSV or OFX output |
|---|---|
| Capital One 360 Checking ****7745, monthly statement, $5,621.90 closing balance, 30 to 80 transactions a month, scanned or digital PDF. | One CSV or OFX document Xero accepts directly, with each transaction's date, amount, description, and account type. Balance reconciliation status sits on the validation sheet of the matching Excel output if you want to double-check before importing. |
Date column maps to Date, Description to Description, Debit to Spent, Credit to Received. The Balance column from Bank2XL can be left unmapped because Xero recomputes running balance after import.
Yes. Manually imported statements show up in the same reconcile tab as live-feed transactions. You can match them to existing invoices and bills, apply bank rules, and split transactions the same way.
Yes. Every conversion produces all formats at once: XLSX, CSV, QBO, OFX, QFX. Download whichever you need. Most users grab the CSV or OFX file for Xero and keep the XLSX as a human-readable backup.