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Generate a Xero-compatible CSV file with proper account codes and Xero-specific type mappings. Start with an industry template or create from scratch — free, instant, and private.
Generate Xero CSVA Chart of Accounts is the complete list of every financial account your business uses to classify transactions. In Xero, your Chart of Accounts determines how your income, expenses, assets, and liabilities appear on your financial reports — including the Profit and Loss statement, Balance Sheet, and Aged Receivables report. Every bank transaction, invoice, bill, and manual journal entry in Xero maps to one of these accounts.
Unlike some other accounting software, Xero uses a specific set of account type codes (such as REVENUE, OVERHEADS, DIRECTCOSTS, BANK, CURRENT, and FIXED) that determine how each account behaves in the system. For example, accounts with the BANK type can be connected to bank feeds, while DIRECTCOSTS accounts appear in the Cost of Sales section of your Profit and Loss report. Understanding these type codes is essential for setting up your accounts correctly.
Our generator handles all of this complexity for you. It automatically maps standard account types to Xero's type codes and formats the CSV file with the exact headers Xero expects (*Code, *Name, *Type, *Tax Code, Description). You simply choose your industry, customize your accounts, and download — the file is ready to import directly into Xero.
Xero is a leading cloud-based accounting platform used by over 3.7 million subscribers worldwide. Originally founded in New Zealand, Xero has become the dominant accounting software in Australia, New Zealand, and the United Kingdom, while rapidly growing in the United States, Canada, and South Africa. Xero is particularly popular with small businesses, freelancers, and accounting firms due to its clean interface, powerful automation features, and extensive app marketplace with over 1,000 integrations.
One of Xero's standout features is its automatic bank feed reconciliation. Xero connects directly to over 21,000 financial institutions worldwide and automatically imports transactions, then uses machine learning to suggest account categorizations based on your past behavior. This dramatically reduces manual data entry and makes bank reconciliation a quick daily task rather than a dreaded monthly chore.
Xero also offers unlimited users on all plans — a significant cost advantage over competitors that charge per user. Combined with multi-currency support, real-time collaboration, and a mobile app for invoicing and expense tracking on the go, Xero provides a modern, flexible accounting foundation for businesses of any size. Setting up a well-structured Chart of Accounts is the first step to getting the most out of Xero's powerful reporting and automation features.
Importing your generated CSV file into Xero is simple. Follow these five steps.
Use our generator to select your industry template or build from scratch. Choose "Xero" as your export format and download the CSV file. The file includes Xero-compatible headers (*Code, *Name, *Type, *Tax Code, Description).
Sign in to your Xero account at login.xero.com. Navigate to Accounting → Chart of Accounts.
Click the "Import" button at the top of the Chart of Accounts page. Xero will display an import dialog where you can upload your CSV file.
Select your downloaded CSV file and upload it. Xero will preview the accounts from your file. Review the account names, codes, and types to ensure everything looks correct.
Click "Import" to finalize. Xero will process the file and add the accounts to your Chart of Accounts. Navigate back to Accounting → Chart of Accounts to verify all accounts appear correctly.
Below is a recommended starting Chart of Accounts for Xero, showing Account Codes and Xero-specific types.
Primary business checking account
Business savings and reserves
Outstanding customer invoices
Insurance, rent, and other prepaid costs
Computers, furniture, and office fixtures
Unpaid bills to suppliers
Business credit card balances
Collected tax pending remittance
Bank loans and long-term borrowings
Owner's investment in the business
Accumulated profits from prior years
Primary business income
Interest, reimbursements, and miscellaneous income
Marketing and promotional costs
Bank charges and merchant fees
Business insurance premiums
Office supplies and stationery
Office or retail space rent
Employee wages and payroll taxes
Direct costs of products or services sold
Choose from 21 industry templates, customize your accounts, and download a ready-to-import CSV file in seconds.
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