The short answer
The ING Australia file has 5 columns, dates written as DD/MM/YYYY and separate credit and debit columns. The CSV written for Xero has the columns Date,Amount,Payee,Description,Reference. So the date is kept as it is, the amount is written as one signed number, and the text columns are moved as in the table below.
Paid profile. The free manual column mapper works for any bank, this one included, but the free version writes only the first 25 converted rows of a file. The 9 USD one-time licence adds the ready-made ING Australia profile (one of the 35 paid profiles) and removes the 25-row limit. The column table on this page is free to read and can be used to fill in the manual mapper.
The converter runs in your browser. Your file is not uploaded.
What the ING Australia CSV looks like
- Country: Australia.
- Account type: not stated by source.
- Header row: yes, one row before the first transaction.
- Columns: 5, separated by commas.
- Date format: DD/MM/YYYY, for example 04/03/2024 (the source writes it as %d/%m/%Y).
- Amounts: separate credit and debit columns. Evidence for the direction: the source says it in words.
- Header text: the source gives column positions and meanings only, not the header names.
Note kept with this layout in the profile data: Two amount columns, credit first, and the debit column already carries a minus sign. File name in the source: Transactions.csv. The Firefly III config agrees: headers true, d/m/Y, roles date_transaction, description, amount_credit, amount_debit, _ignore. Neither source names the fifth column; it is treated as a balance to ignore.
What Xero accepts
- File type: CSV.
- Header row: optional; the vendor says a file can be imported without headings but named columns are easier to map.
- Required columns: Date, Amount.
- Optional columns: Payee, Description, Reference, Check Number.
- Amounts: One signed Amount column for both income and expenses. Income is positive; expenses are negative, written with a leading minus sign or in brackets, for example -30.00 or (30.00). Commas must not be used as the decimal mark.
- Dates: one of the date formats Xero lists on the page; the list could not be read on the checked date.
| Xero column | Required by Xero | Filled from the ING Australia file |
|---|---|---|
| Date | required | column 1 |
| Amount | required | column 3 (positive) minus column 4 (negative) |
| Payee | optional | left empty: the bank file has no payee column |
| Description | optional | column 2 |
| Reference | optional | left empty: the bank file has no reference column |
From a web search excerpt of the vendor's help page (the page itself refuses automated reading; re-check it in a browser): "Show income as positive amounts and expenses as negative amounts using a negative sign in front of the amount or with brackets, for example -30.00 or (30.00)."
Column-by-column mapping
Every column of the ING Australia file, left to right, and where it ends up in the Xero file.
| Column | Header text | What it holds | Where it goes in the Xero file |
|---|---|---|---|
| 1 | not given by the source | Transaction date | Date, rewritten as DD/MM/YYYY |
| 2 | not given by the source | Description | Description |
| 3 | not given by the source | Money in (credit) | Amount, as a positive number |
| 4 | not given by the source | Money out (debit), already written with a minus sign | Amount, as a negative number |
| 5 | not given by the source | Running balance | Not copied |
Pitfalls for ING Australia to Xero
Dates
- Same date layout on both sides: the bank file and the Xero file both use DD/MM/YYYY. No reordering is needed.
- Xero on dates: one of the date formats Xero lists on the page; the list could not be read on the checked date. The converter offers dd/mm/yyyy and mm/dd/yyyy and the user picks the one that matches the Xero organisation's region, then confirms the dates on Xero's column-mapping screen.
Amounts and their direction
- Two columns must be merged into one signed Amount. The debit column already carries a minus sign in this file, so subtracting it again would turn money out into money in: take the absolute value of each column first, then credit minus debit.
- Xero's own rule: One signed Amount column for both income and expenses. Income is positive; expenses are negative, written with a leading minus sign or in brackets, for example -30.00 or (30.00). Commas must not be used as the decimal mark.
- Column order trap: in this file the credit column (column 3) comes before the debit column (column 4).
- How sure the direction is: the source says it in words.
Other Xero import rules
- Only the Date and Amount fields are needed to create bank statement lines.
- Payee is recommended; if the payee is an existing contact, the name must match the contact name exactly to avoid duplicates.
Before and after: an invented example
Invented sample data. These four rows were made up for this page. They are not from a real ING Australia export and hold no real account, name or balance.
The source gives column positions only, so the headings below are the column number and what the column holds, not the bank's header text.
| 1: transaction date | 2: description | 3: money in (credit) | 4: money out (debit) | 5: running balance |
|---|---|---|---|---|
| 04/03/2024 | COFFEE CORNER MAIN ST | -4.50 | 995.50 | |
| 05/03/2024 | PAYROLL EXAMPLE CO | 2500.00 | 3495.50 | |
| 07/03/2024 | RENT MARCH | -1234.56 | 2260.94 | |
| 11/03/2024 | REFUND EXAMPLE SHOP | 15.25 | 2276.19 |
| Date | Amount | Payee | Description | Reference |
|---|---|---|---|---|
| 04/03/2024 | -4.50 | COFFEE CORNER MAIN ST | ||
| 05/03/2024 | 2500.00 | PAYROLL EXAMPLE CO | ||
| 07/03/2024 | -1234.56 | RENT MARCH | ||
| 11/03/2024 | 15.25 | REFUND EXAMPLE SHOP |
Do it by hand in a spreadsheet, free
These steps need no tool from this site. The cell references follow the column positions of the profile above; if your spreadsheet uses semicolons between formula arguments, replace the commas.
- Open the ING Australia CSV in a spreadsheet program through its import dialog. Set the date column (column 1) to Text so the program does not reinterpret it, and leave the amount columns as numbers.
- Row 1 is the header and the transactions start in row 2.
- Date: the bank already writes DD/MM/YYYY, which is what the Xero file uses. Copy column A as it is.
- Amounts: merge the two columns into one signed Amount, credit minus debit:
=ABS(C2)-ABS(D2)An empty cell counts as zero. Money out comes out negative. - Text columns: fill Payee (left empty: the bank file has no payee column); Description (from column 2); Reference (left empty: the bank file has no reference column). Where several bank columns feed one column, join them with a separator such as " - ".
- Apply Xero's own rules from its help page: Only the Date and Amount fields are needed to create bank statement lines. Payee is recommended; if the payee is an existing contact, the name must match the contact name exactly to avoid duplicates.
- Keep only the new columns, put the header row Date,Amount,Payee,Description,Reference on top, save the sheet as a comma-separated CSV, and compare the dates, the direction of the amounts and the number of rows with your statement in Xero's import preview.
Or use the converter
Load the file, choose the ING Australia profile in the bank list and the target Xero, read the preview, then download. The conversion runs locally in your browser: the file is not uploaded, and only the licence key is sent for unlocking.
Paid profile. The free manual column mapper works for any bank, this one included, but the free version writes only the first 25 converted rows of a file. The 9 USD one-time licence adds the ready-made ING Australia profile (one of the 35 paid profiles) and removes the 25-row limit. The column table on this page is free to read and can be used to fill in the manual mapper.
Where this layout comes from
No bank supplied or approved this layout. It was copied on 5 October 2026 from a public open-source importer file kept by volunteers: bank2ynab/bank2ynab, file bank2ynab/data/bank2ynab.conf
Also read: firefly-iii/import-configurations, file au/ing/default.json
The lines used from the source: [AU ING] comment: "The input csv uses 2 seperate columns, but has positive values for the inflows and negative values for the outflows" ; Input Columns = Date,Memo,Inflow,Inflow,skip ; Date Format = %d/%m/%Y
The Xero rules come from the vendor's own help pages: central.xero.com/s/article/Import-a-CSV-bank-statement (named as text, not linked). The official page refuses automated fetches (HTTP 403 or a script-only page), so the rules were read from web search excerpts of that same official URL on the checked date. Re-check in a browser before relying on a detail.
Bank formats change. Banks alter their CSV exports without notice and vendors change their import rules, so this mapping can be out of date. If the preview looks wrong, use the manual column mapper.
Related pages
ING Australia to other apps
The ING Australia guides for YNAB, QuickBooks Online and Wave, in the bank list