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Based in London, United Kingdom, Kroo provides statements to its customers as PDF documents in online banking. Upload the statement PDF below and download a Xero-ready CSV (Date, Amount, Payee, Description) — extracted, normalized and reconciled first.
Converting for Xero means the Kroo transactions arrive in Xero's own statement format: one row per transaction, amounts signed the way Xero wants them, ready to upload against the matching bank account in the ledger.
The main use is catch-up work in Xero, uploading missing months in order. Statements from United Kingdom banks print dates as day/month/year — 03/04/2026 means 3 April 2026 and amounts with a comma for thousands and a point for decimals (1,234.56) — the converter's locale-aware reader handles that layout, and then the reconciliation check proves the result: the extracted transactions must add up to the balances printed on the statement itself, or the conversion is flagged.
Every Kroo conversion is audited by the document it came from. The extracted transactions are totalled against the printed opening and closing balances and checked row by row against the running balance column where one is printed. Passing both checks is the only route to a reconciled result; there is no partial pass and no silent correction. What cannot be proven is labelled, never smoothed over.
A Kroo statement's layout decides how differences behave. In a chronological layout with a running balance, a single dropped row shifts every later balance, which makes it easy to spot. Second, glance at the statement's own subtotals before converting: section totals for deposits, withdrawals and fees are free checkpoints that tell you where a flagged difference is likely to live.
In United Kingdom, bookkeepers commonly work in Xero, Sage, QuickBooks and FreeAgent; the Excel and CSV exports from this converter are the files those tools import, and the Xero export is laid out for direct import where the tool accepts it.
Download all twelve periods first and convert them as one batch, then work through the reconciliation results month by month in order. Fix flagged months before importing anything: it is far easier to resolve a difference against twelve tidy statements than inside a year of mixed postings.
In Xero, upload the file against the bank account whose statement it came from, and let Xero's import preview show you the first and last lines before you confirm: they should match the statement's period exactly. A wrong-account upload is the one error the preview exists to catch.
These are the general steps most banks follow for statement downloads; exact menu labels vary by bank and change over time.
Tip: a statement that covers a partial period (account opened or closed mid-month) still converts and reconciles; its balances simply anchor a shorter chain.
Download the statement PDF from Kroo online banking, upload it to the converter on this page, and download the a Xero-ready CSV (Date, Amount, Payee, Description). The transactions are extracted, put into the same standard columns used for every bank, and checked against the statement's balances first.
Like most banks in United Kingdom, Kroo prints dates as day/month/year — 03/04/2026 means 3 April 2026 and amounts with a comma for thousands and a point for decimals (1,234.56). Conversion normalizes dates to an unambiguous form in the output while leaving the figures themselves untouched.
Where the statement prints opening and closing (or running) balances, the converter adds up the extracted transactions and compares the result with the statement itself. If the numbers do not tie, the conversion is flagged and the mismatched rows are marked — a failed check is never shown as a success.
The statement PDF. It is the issued document and it carries the opening and closing balances the reconciliation check verifies against; a portal CSV has the transactions but nothing to prove them against.
No. The converter changes layout, not currency: figures stay in £ exactly as Kroo printed them.
Yes — convert each account's statements separately so each one reconciles against its own balances, then combine the exports in your software if you need a single view.
Scan the statement as flat and straight as you can and upload the scan. OCR reads it, and the reconciliation check verifies the read against the printed balances; rows it cannot verify are flagged for a manual look.
That depends on the bank's portal — most keep at least a year of PDFs online, and older periods can usually be requested. However far back you go, download each period as its own PDF.
No. Uploaded files and generated exports are stored only briefly to complete the download and are automatically deleted within 15 minutes.
Convert the same Kroo statement PDF to Excel instead.
Convert the same Kroo statement PDF to CSV instead.
Convert the same Kroo statement PDF to OFX instead.
Back to the Kroo statement converter hub or the United Kingdom bank directory. Other United Kingdom banks: Barclays statement to Xero · HSBC UK statement to Xero · Lloyds Bank statement to Xero · NatWest statement to Xero
Your first conversion is free — no card, no sign-up — and every result is checked against the statement itself before you download it.