Convert BCA Bank Statements to Xero Format

To convert your Bank Central Asia (BCA) bank statement to Xero format, upload your PDF statement to BankStmtConverter. The system automatically reads the transaction dates, descriptions, debit and credit amounts, and balances, then generates a Xero-ready CSV file formatted for direct import into your Xero bank feed dashboard.

How to convert your BCA statement to Xero CSV

1. Download your electronic e-statement PDF from your BCA online banking portal or scan your physical paper statement.
2. Upload the PDF file to the converter tool.
3. Select Xero as your target output format.
4. Review the extracted table preview to ensure opening balances, transaction rows, and closing balances match the original statement.
5. Download the processed CSV file and import it directly into your Xero bank account.

Preparing BCA data specifically for Xero reconciliation

Xero requires imported statement files to follow a specific column structure. Standard BCA e-statements frequently display transaction descriptions across multiple lines, separate debit and credit entries using local banking markers (such as DB/CR indicators or separate mutasi columns), and present dates in DD/MM/YYYY format. If you attempt to copy and paste this data manually, Xero's import validation often flags mapping errors or records debits as credits.

The converter parses the layout of BCA account statements (Rekening Koran) and maps the fields into Xero's native columns:

• Transaction Date: Formatted cleanly as DD/MM/YYYY so Xero assigns transactions to the correct accounting period without manual date reformatting.
• Amount: Single-column signed numeric amounts (positive for deposits/credits, negative for withdrawals/debits) or distinct Debit and Credit columns compatible with Xero's field matcher.
• Payee / Description: Multi-line transaction details from BCA—including transfer remarks, BI-FAST reference codes, and merchant descriptions—are combined into a single, clean text field for Xero's Description and Payee fields.
• Reference: Unique transaction reference numbers and sequence IDs are placed into the Reference column to help Xero's bank rules automate matching.

If you need raw data for spreadsheets instead of accounting software imports, you can also convert BCA statements to Excel or generate standard BCA CSV files.

How to import your converted file into Xero

Once you download your converted Xero CSV file, follow these steps to reconcile your transactions in Xero:

1. Log in to Xero and open your organization dashboard.
2. Navigate to Accounting > Bank accounts and locate your BCA account (denominated in IDR or foreign currencies).
3. Click Manage Account and select Import a Statement.
4. Click Browse, select your converted CSV file, and click Next.
5. Review the column mapping preview. Because the file is pre-formatted for Xero, the Date, Amount (or Spent/Received), Payee, and Reference columns align automatically.
6. Click Save to load the statement lines directly into your Xero Reconcile screen.

Your statement lines now appear on the left side of Xero's reconciliation interface, ready to be matched against your unpaid invoices, bills, or bank rules.

Comparison of BCA statement processing methods

Example of extracted BCA transaction data

BCA statements typically list transactions in Indonesian Rupiah (IDR). The converter reads the raw rows and structures them cleanly for Xero.

When imported into Xero, the debit entries map automatically to "Spent" and credit entries to "Received", preserving exact IDR values without missing decimal places or broken text rows.

Handling scanned and multi-page BCA PDF statements

Physical paper statements from branch visits or archived PDF scans often suffer from skewed text, faint ink, or compression artifacts. The converter uses an optical character recognition (OCR) engine trained on banking layouts to read tables from scanned BCA PDFs.

During processing, the software performs a mathematical reconciliation check: it compares the calculated sum of extracted debits and credits against the printed starting and ending balances on the statement. If any row is missing or misread, you are alerted before importing the data into your accounting software.

Data security and privacy

Financial records require strict confidentiality. All files uploaded to BankStmtConverter are encrypted in transit via 256-bit SSL encryption. Your uploaded PDF statements and generated CSV files are automatically deleted from the servers after processing. Your financial data is never stored permanently, shared, or used to train public machine learning models. Learn more about our data handling policies and tier options on our pricing page, or view our full list of supported Indonesian banks.