Does Xero have bank and credit card feeds?

Yes. Live bank feeds are included on all plans: direct (OAuth) feeds with many US banks, Plaid-powered feeds rolling out to US customers from late 2025, Yodlee feeds where no direct feed exists, and statement import in OFX, QIF, QBO, QFX or CSV. Credit card accounts are added and fed the same way as bank accounts (direct feeds, Yodlee or statement import); American Express is among the listed direct-connection institutions and has its own direct-feed setup article.

October 1, 2026

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Key takeaways

Bank feeds: Yes. Live bank feeds are included on all plans: direct (OAuth) feeds with many US banks, Plaid-powered feeds rolling out to US customers from late 2025, Yodlee feeds where no direct feed exists, and statement import in OFX, QIF, QBO, QFX or CSV.
Card feeds: Yes. Credit card accounts are added and fed the same way as bank accounts (direct feeds, Yodlee or statement import); American Express is among the listed direct-connection institutions and has its own direct-feed setup article.
Vergo works with any card from any bank and posts coded card spend into Xero.

Where should you go next?

What Xero includes

Bank feeds

Credit card feeds

Yes. Credit card accounts are added and fed the same way as bank accounts (direct feeds, Yodlee or statement import); American Express is among the listed direct-connection institutions and has its own direct-feed setup article.

What teams add alongside it

Employee expense management for plans without Xero Expenses
Corporate card program with receipt matching

Where Vergo fits with Xero

Xero's card feed brings transactions into the ledger. Vergo works with any card from any bank, so every card in the program is covered whichever bank issued it, and connecting your existing cards involves no card applications, no re-issuing and no banking change. Transactions are ready to code the moment they happen — no waiting for clearing — and once they clear, they sync into Xero. Vergo proposes the coding by inference from your own accounting structure and history — no rule library to build, no keyword lists to maintain, and new vendors are coded on first sight. The proposal covers the account and tracking categories, and every coding shows why it was chosen, so a reviewer confirms in seconds instead of re-coding by hand. Receipts come in the same flow: employees send receipts by text or from their phone, and Vergo chases missing receipts itself instead of waiting for a report.

Vergo integrates with Xero and posts coded card spend into it; for Xero, the live integration covers expense management.

Frequently Asked Questions

Does it depend on the Xero edition or add-ons?

Live bank feeds are included on all plans: direct (OAuth) feeds with many US banks, Plaid-powered feeds rolling out to US customers from late 2025, Yodlee feeds where no direct feed exists, and statement import in OFX, QIF, QBO, QFX or CSV.

Can we keep our current cards with Xero?

Yes. Vergo works with any card from any bank; connecting your existing cards involves no card applications, no re-issuing and no banking change.

Does Vergo post card spend into Xero?

Yes. Vergo integrates with Xero and posts card spend into it, coded to your account and tracking categories.

Does Vergo issue cards?

No. Vergo never issues cards. It works with the cards you already have.

Get Started

Expense & invoice automation for your ERP

Book Demo

Does Xero have bank and credit card feeds?

Key takeaways

Where should you go next?

What Xero includes

Bank feeds

Credit card feeds

What teams add alongside it

Where Vergo fits with Xero

Frequently Asked Questions

Does it depend on the Xero edition or add-ons?

Can we keep our current cards with Xero?

Does Vergo post card spend into Xero?

Does Vergo issue cards?

Expense & invoice automation for your ERP

Platform

Company

Resources

Does Xero have bank and credit card feeds?

Key takeaways

Where should you go next?

What Xero includes

Bank feeds

Credit card feeds

What teams add alongside it

Where Vergo fits with Xero

Frequently Asked Questions

Does it depend on the Xero edition or add-ons?

Can we keep our current cards with Xero?

Does Vergo post card spend into Xero?

Does Vergo issue cards?

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Which manufacturing ERPs have built-in AP automation and card feeds?

Which construction ERPs have built-in AP automation and card feeds?

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