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1. Reconcile via the API

   279 votes

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   243 comments  ·  Accounting API » Banking  ·  Delete…  ·  Admin →
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   declined  ·  AdminKelly (Admin, Xero Developer Centre) responded

   Thank you for the continued feedback and for your patience on this long‑running request. We know that programmatic bank reconciliation and AI‑driven workflows are increasingly important to many of you, and we understand the frustration that this capability is not available via the Xero API.

   
   

   After reviewing this again with our legal, risk and banking teams, we have confirmed that we will not be adding the ability to reconcile bank statement lines via the API or to expose unreconciled bank statement data via the public API.

   
   

   There are a few key reasons for this decision:

   1. Regulatory and contractual obligations on raw bank data. Unreconciled bank statement lines are “raw” banking data – unmodified information that comes directly from banks. In markets such as Australia, this data is treated as banking data under consumer data rights regimes. Sharing it on to third parties (including via an open API) would require us to treat every consuming app as if it were a regulated data recipient, with substantial security, accreditation and liability obligations that sit on Xero as an intermediary as well as on those third parties. We have taken a policy decision not to operate as an intermediary for redistributing raw bank statement data.This ensures that the highest standards of banking security are maintained directly between the customer and their financial institution.
   2. Our data‑sharing boundary: unreconciled vs reconciled data. We draw a clear line between:

   • Unreconciled statement data, which is banking data supplied to us by banks and subject to the obligations above; and
   • Reconciled transaction data, which has been improved within Xero (for example, matched to contacts, invoices or accounts) and for which Xero is the custodian on behalf of the customer.

   1. We can expose certain reconciled/derived data through specific endpoints such as the Finance API’s Bank Statements Plus in limited, finance‑focused scenarios, but those endpoints are not designed or licensed for broad, high‑volume access to raw bank feeds or for third‑party replication of Xero’s bank reconciliation engine.
   2. Why “reconcile via the API” falls on the wrong side of that line. Supporting full reconciliation via the API would, in practice, require programmatic access to unreconciled statement lines and a way to push reconciliation decisions back into Xero. That would effectively recreate bank reconciliation workflows outside Xero while still relying on Xero to redistribute raw bank data, which is exactly the pattern our regulatory, security and contractual constraints are designed to avoid. For these reasons, this is not something we can safely or responsibly offer as an open API capability.

   
   

   We recognise that a small number of existing partner applications continue to receive limited access to certain statement data under legacy, contract-specific arrangements that pre‑date this policy. These specific arrangements are strictly managed under heightened security and compliance terms. To ensure we meet our current regulatory and risk standards, we are not extending these legacy permissions to new partners or applying them to any new use cases.

   
   

   We also hear the concern that “this is customer data and customers should be able to use it where they choose”. We agree that customers should have access to their own banking information, and open banking frameworks are designed to give customers direct access to that data from their bank or banking aggregator, without Xero sitting in the middle as a redistributor. For apps that need raw bank statements to power AI or other automation, the right pattern is to source that data directly from the bank or an accredited open‑banking provider, and then connect into Xero using the data structures we do expose.

   
   

   Our strategy for bank reconciliation is to invest in automation inside Xero, where we can manage risk, performance and user experience end‑to‑end. That includes features such as bank rules, suggested matches, cash coding, and newer improvements like statement-period bank reconciliation, enhanced bank feeds, and our AI-powered automation features, rather than exposing the underlying feeds for external reconciliation logic.

   
   

   We will continue to review our approach as regulation, banking connectivity and customer needs evolve, but we want to be clear and transparent that this specific request will remain declined under our current legal and risk framework. We genuinely appreciate the thought and passion that has gone into this thread, and we’ll keep focusing our efforts on making in‑product reconciliation as efficient and intelligent as we can, within those constraints.

   Thank you for the continued feedback and for your patience on this long‑running request. We know that programmatic bank reconciliation and AI‑driven workflows are increasingly important to many of you, and we understand the frustration that this capability is not available via the Xero API.

   
   

   After reviewing this again with our legal, risk and banking teams, we have confirmed that we will not be adding the ability to reconcile bank statement lines via the API or to expose unreconciled bank statement data via the public API.

   
   

   There are a few key reasons for this decision:

   1. Regulatory and contractual obligations on raw bank data. Unreconciled bank statement lines are “raw” banking data – unmodified information that comes directly from banks. In markets such as Australia, this data is treated as banking data under consumer data rights regimes. Sharing it on to third parties (including via an open API) would require us… more
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   August Stoyanov commented  ·  Jan 14, 2023  ·  Edit…  ·  Delete…

   There are no commercial reasons stopping you from providing data to custom connection apps. This is not sharing. We own the data and can do whatever we like with it. The bank provides us with the statement for free.

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   August Stoyanov commented  ·  Dec 20, 2022  ·  Edit…  ·  Delete…

   Why is the documentation pointing to this issue here and then voting is closed? It is crazy not to have this feature, and even crazier to suggest that to provide it you need to give us access to "their data". It is our data, not theirs! We only need the data you are showing on the statement line anyway. Please reconsider! Or give us a believable explanation.

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2. I want to delete BankStatement via API

   3 votes

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   1 comment  ·  Accounting API » Banking  ·  Delete…  ·  Admin →
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   August Stoyanov supported this idea  ·  Jan 14, 2023

3. Unreconciled items in the bank feed via the API

   42 votes

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   24 comments  ·  Accounting API » Banking  ·  Delete…  ·  Admin →
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   August Stoyanov supported this idea  ·  Jan 14, 2023

4. be able to retrieve account transactions via the api.

   463 votes

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   under review  ·  72 comments  ·  Accounting API » Reports  ·  Delete…  ·  Admin →
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   August Stoyanov supported this idea  ·  Sep 15, 2020

5. Online URL for Credit Notes through API

   32 votes

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   12 comments  ·  Accounting API » Credit notes  ·  Delete…  ·  Admin →
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   August Stoyanov supported this idea  ·  Jan 14, 2023
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   August Stoyanov commented  ·  Jan 16, 2019  ·  Edit…  ·  Delete…

   I wonder why we are not getting more votes for this feature.
   Anyway, it would be so simple to implement, now that it is available for invoices, and it is safe too so you can't break anything by implementing it.
   Users, please vote for this so it moves further up the development list!

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6. Import bank statement lines via the API

   997 votes

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   240 comments  ·  Accounting API » Banking  ·  Delete…  ·  Admin →
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   working on it  ·  AdminKelly (Admin, Xero Developer Centre) responded

   Thanks for your continued feedback and patience on this long-standing request. Our team has started to build this out, and we’re looking forward to sharing more as development and testing progresses.

   This release will support ingestion of bank statement data via the Bank Feeds API for accounts where a bank feed has not been established and allow customers to automate the current manual file upload process.

   As part of this work, we’ll be running a beta with a small group first (from mid June) so we can test the experience and gather feedback before broader availability. We’ll continue to post updates here as we reach key milestones.

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   August Stoyanov commented  ·  Aug 20, 2018  ·  Edit…  ·  Delete…

   This is the only important feature still missing to make the accounting life cycle complete.
   Without this we need the accounting clerk to manually identify every single bank payment received.
   It would be such a simple API it's a no brainer not to have it.

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7. add an endpoint for BankStatements so we can read the bank feed through the API

   3 votes

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   0 comments  ·  Accounting API » Accounts  ·  Delete…  ·  Admin →
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   August Stoyanov shared this idea  ·  May 31, 2018