# Export Chase Transactions to CSV for Xero

- Author: SimpleBankConvert (https://www.simplebankconvert.com)
- Published: 2025-05-30
- Updated: 2025-05-30
- Category: Downloads from your bank
- Canonical: https://www.simplebankconvert.com/blog/export-chase-transactions-to-csv

> How to export Chase transactions to CSV for Xero or a spreadsheet, the columns Chase includes and the changes Xero's import needs before upload.
To export Chase transactions to CSV, sign in on a computer, open the account's activity, choose download, pick the spreadsheet (CSV) format and a date range, and save the file. Before uploading it to Xero, open it in a spreadsheet, keep the date, description and amount columns, check the signs and save it as CSV again.

## Downloading Chase activity as a CSV spreadsheet

The Chase CSV download comes from the same activity page that offers QuickBooks and Quicken files. Open the account on the full website, select the download option near the transaction list, choose the spreadsheet or CSV file type, and set the dates. Labels shift over time, so go by what your screen shows.

Pick dates that suit the import, not just "the last few months":

- Start the day after the last transaction already in Xero for that account.
- End on a day that has fully posted, such as the last day of the previous month.
- Keep each file to one account. A checking file and a card file go into different Xero bank accounts.

Save the file with a clear name like `chase-card-2026-07.csv`. Then make a copy to edit, and keep the original untouched in case you need to start again.

## What columns are in a Chase CSV export?

A Chase CSV export holds one row per transaction with a header row naming each column. Expect a date, a description and an amount at the very least. Depending on the account, you may also see a posting date beside the transaction date, a type such as debit or credit, a category, a check number or a running balance.

Open the file in Excel, Numbers or Google Sheets and read the header row before you change anything. Then sort the columns into three groups:

1. **Columns Xero needs:** the date and the amount.
2. **Columns worth keeping:** the description, and a check number if there is one, which can serve as a reference.
3. **Columns to drop:** running balance, bank category and anything else that isn't about the transaction itself.

If there are two date columns, keep the posting date. It matches the day the money moved on your statement, which makes reconciling easier.

## Chase CSV edits before Xero's statement import

A Chase CSV usually needs a few small edits before Xero's statement import takes it cleanly. Xero's article [about manually importing bank transactions](https://central.xero.com/s/article/About-manually-importing-bank-statements-US) lists CSV among the accepted formats and says you can build your own CSV in a spreadsheet when the bank's file won't do. The changes below get you there.

### Before and after, with example rows

The rows below are made up to show the shape of the change. A Chase-style export might arrive like this:

```
Posting Date,Description,Amount,Type,Balance
07/01/2026,ONLINE PAYMENT THANK YOU,500.00,ACH_CREDIT,
07/03/2026,EXAMPLE COFFEE ROASTERS,-14.75,DEBIT_CARD,
07/08/2026,EXAMPLE SOFTWARE SUBSCRIPTION,-29.00,DEBIT_CARD,
```

After clean-up for Xero it reads:

```
Date,Amount,Description
07/01/2026,500.00,ONLINE PAYMENT THANK YOU
07/03/2026,-14.75,EXAMPLE COFFEE ROASTERS
07/08/2026,-29.00,EXAMPLE SOFTWARE SUBSCRIPTION
```

What changed:

- The balance and type columns are gone.
- The header names are plain: Date, Amount, Description.
- Every amount is a plain number with a minus for money out, no dollar sign and no thousands comma.
- Every date uses the same format.

Xero lets you match columns during the import, so the order matters less than having clean values. For the full column list, see [Xero's CSV template column by column](/blog/xero-bank-statement-import-csv#xeros-csv-template-column-by-column).

## Do Chase credit card CSV amounts need their signs flipped?

Chase credit card CSV amounts may need flipping, depending on how the file shows purchases. Xero reads a negative amount as money leaving the account. If your card export shows purchases as positive numbers, multiply the amount column by minus one before importing, or every charge arrives as a payment.

A quick test tells you which way your file runs. Find a purchase you remember and a payment you made to the card. If the purchase is negative and the payment positive, leave the file alone. If it's the other way round, flip the column. Card issuers differ on this, and the guide to [exporting Amex transactions to CSV](/blog/export-amex-transactions-to-csv) works through the same check for an American Express file.

After the import, compare the total of the imported lines with the change in balance on the card statement. If the totals are equal but opposite, the signs went in backwards. Delete that statement in Xero, flip the column and import it again.

## When a Chase CSV is the wrong file for your books

A Chase CSV is not always the best export. Xero recommends an OFX file where possible, saying OFX files import without any changes to the bank's export. If Chase offers an OFX or Money option for your account, try it first and keep the CSV for times you want to check the rows in a spreadsheet.

QuickBooks users have a better choice too. A QBO file needs no column mapping in QuickBooks Online, and Intuit's article on [downloading bank feed transactions in QuickBooks Desktop](https://quickbooks.intuit.com/learn-support/en-us/help-article/bank-feeds/download-bank-feed-transactions-quickbooks-desktop/L8o0Aw9VM_US_en_US) says Desktop's Web Connect accepts only .qbo files. For card accounts in Desktop, see [downloading credit card transactions into QuickBooks Desktop](/blog/download-credit-card-transactions-into-quickbooks-desktop).

Payment apps raise their own CSV issues, such as fees and transfers in one file. The guide to [downloading PayPal transactions as CSV](/blog/download-paypal-transactions-as-csv) covers which report to choose.

When the export window has passed, the monthly PDF statement is all that's left. SimpleBankConvert turns a digital PDF statement into a CSV laid out for Xero's import, with payee and reference in their own columns. It isn't open yet; the [homepage](/) shows how it works.