How to export transactions from Lloyds
In Lloyds internet banking, open the account and look for an Export or Download transactions option on the statement page. Choose the date range and a CSV (or “Excel-compatible”) format. Halifax and Bank of Scotland, which are part of the same group, work the same way and produce the same layout.
Menus change. Lloyds updates its online banking from time to time, so the exact button names may differ from what's described here. If you can't find the option, search Lloyds's help pages for “download transactions”.
What a Lloyds CSV looks like
| Transaction Date | Transaction Type | Sort Code | Account Number | Transaction Description | Debit Amount | Credit Amount | Balance |
|---|---|---|---|---|---|---|---|
| 05/01/2026 | DEB | '30-00-00 | 12345678 | TESCO STORES 3021 | 48.20 | 2451.80 | |
| 06/01/2026 | BGC | '30-00-00 | 12345678 | ACME LTD SALARY | 1850.00 | 4301.80 | |
| 08/01/2026 | DD | '30-00-00 | 12345678 | OCTOPUS ENERGY | 75.00 | 4226.80 |
Dates are day-first (05/01/2026 is 5 January). Money out is in Debit Amount and money in is in Credit Amount, both as positive numbers. Transaction Type is a short code — DEB (debit card), DD (Direct Debit), SO (standing order), FPI and FPO (Faster Payments in and out), BGC (bank giro credit), CHQ (cheque) and so on. The sort code may start with an apostrophe, which the bank adds so spreadsheets don’t treat it as a sum.
Common problems with Lloyds files in Xero
- Two amount columns. Xero’s statement CSV wants one signed amount. The converter merges Debit Amount and Credit Amount, with money out negative.
- Columns Xero doesn’t need. Sort code, account number and type codes are left out, so Xero’s column matching is simple.
- Dates flipped to US format. Opening and re-saving the file in a spreadsheet with US settings can turn 05/01/2026 into 1 May. Convert the original download.
Import the converted file into Xero
- In Xero, go to Accounting → Bank accounts, find the account and choose Manage account → Import a statement.
- Upload the file. For an OFX file, Xero imports straight away. For a CSV, Xero asks you to match the columns: Date → Transaction Date, Amount → Transaction Amount, Payee → Payee, Description → Description.
- Check the preview Xero shows, complete the import, then reconcile as usual.
Our Xero import guide covers each screen and the messages you might see.
Frequently asked questions
Does it work for Halifax and Bank of Scotland?
Yes. They use the same export layout as Lloyds, and the converter recognises it as one format.
What do DEB, FPO and BGC mean?
They are Lloyds transaction type codes: DEB is a debit card payment, FPO and FPI are Faster Payments out and in, BGC is a bank giro credit, DD is a Direct Debit and SO a standing order.
Why does the sort code start with an apostrophe?
The bank adds it so spreadsheets don’t read 30-00-00 as a calculation. It doesn’t matter here, because the sort code isn’t needed in the Xero file.
Should I use CSV or OFX for Xero?
Either works. OFX imports without column matching; CSV lets you see and control the payee and description.
Is my Lloyds data uploaded?
No. The conversion runs in your browser and the file stays on your device.