How Irish accounting firms process AIB, Bank of Ireland and PTSB bank statements automatically (2026)

A new client arrives with a folder of Ulster Bank PDFs and a KBC mortgage letter. Both banks have left the Irish market, under the Central Bank's supervision, and their customers moved to other banks in 2022 and 2023. The client now banks with AIB, Bank of Ireland or PTSB, and you need years of transactions in the ledger before you can start.

Quick answer: Irish firms automate AIB, Bank of Ireland and PTSB statements in two layers. A live bank feed in Xero, QuickBooks Online or Sage brings in new transactions. Everything the feed can't reach (history, closed accounts, Ulster Bank and KBC years, lapsed consents) comes from the bank's PDF statement. Firms run that PDF through an extraction tool, check the balances, and import or publish the result to the ledger. Reconciliation still happens in the ledger.

We make tofu, so weigh our view with that in mind. The bank, ledger and Revenue details below come from their own pages, linked in the sources.

How do AIB, Bank of Ireland and PTSB customers download statements?

All three banks issue the official statement as a PDF. What changes is how far back you can go, and whether you can export transactions as a file.

Xero's Irish bank page doesn't name banks. It tells you to check under Accounting, Bank accounts, Add bank account.

A few details catch firms out.

• PTSB is the tightest. Statements stay online for up to 2 years, and PTSB says customers "lose access to any documents" in Open24 once the account closes. A duplicate statement costs €2.50 per page, capped at €20 per account request.
• AIB's business platform only exports 6 months of data, 3 months at a time. For anything older, the PDF eStatements are the record.
• Bank of Ireland's Business On Line keeps a 90 day window. Personal 365 online is more generous, with 7 years of eStatements.
• An export is not a statement. An export lists transactions for a date range. A statement is the bank's official record, with opening and closing balances you can check.

What happens to old Ulster Bank and KBC statements?

The Central Bank of Ireland supervised "the withdrawal of Ulster Bank and KBC from the Irish market". In the year to the end of August 2022, customers closed 292,996 accounts across the two banks. KBC Bank Ireland then sold "substantially all" of its performing loans and deposits to Bank of Ireland, completing on 3 February 2023.

So a former Ulster Bank or KBC client has a break in their bank history, with a different bank on each side. The old accounts are closed, and no feed will ever connect to them. For a late return or a Revenue query, the PDFs your client saved are the only source.

Which Irish banks have feeds in Xero, QuickBooks Online and Sage?

Feeds cover most of the day-to-day work. Here is what each ledger's Irish pages say.

Two things stand out. PTSB isn't on the QuickBooks Online Irish page, so a PTSB client on QuickBooks may have no feed at all. And both QuickBooks and Sage still list Ulster Bank, which has left the market. Treat vendor bank lists as a starting point, and confirm in the ledger itself.

When do Irish firms still end up with PDF statements?

Even with every feed connected, PDFs keep arriving. These are the usual cases.

• New clients. A feed brings in 12 months of history, maybe 2 years. A client who is further behind needs the rest from statements.
• Closed accounts, including every Ulster Bank and KBC account. No feed connects to an account that no longer exists.
• Lapsed consents. A Sage open feed that isn't re-authorised in 90 days stops, and the missing weeks need filling.
• Short export windows. Miss Business On Line's 90 days or iBusiness Banking's 6 months, and the PDF is your only file.
• Catch-up work. Late filers arrive with a folder of statements covering several years.

How do you turn an AIB, Bank of Ireland or PTSB statement into ledger data?

Here is a general routine that works for a feed gap or a catch-up job. Adapt it to your ledger and your review process.

1. Find the last transaction the feed imported for that account. Note its date and the ledger balance at that point.
2. Download the PDF eStatements covering the gap from AIB, 365 online or Open24. Use statements rather than exports, because statements carry balances you can check.
3. Run the PDFs through an extraction tool, or key them by hand if there are only a few lines.
4. Trim the result to the gap only. Leave out anything already brought in by the feed.
5. Check that the opening balance matches the ledger balance from step 1. Then check the closing balance against the statement.
6. Import the file in the ledger's own format, or publish it if your tool supports that.
7. Reconcile in the ledger as normal. If a line appears twice, delete the imported copy, not the feed copy.

Mind the ledger's rules. Sage reads only the first tab of an Excel file, and only the first account in an OFX file.

Does Revenue's VAT modernisation change any of this?

Not for bank statements. On 10 February 2026, Revenue confirmed Phase One of VAT modernisation. From 1 November 2028, large corporates managed by its Large Corporates Division must issue eInvoices for domestic B2B sales and report a subset of data to Revenue. From the same date, all businesses in Ireland must be able to receive structured eInvoices. Wider EU cross-border rules follow from July 2030.

eInvoicing covers invoices between VAT-registered businesses. It doesn't touch bank statements, and a till receipt from a shop or a hotel bill abroad will still arrive as paper or a PDF. So firms will keep capturing statements and receipts for years yet. If your clients send receipts in Irish as well as English, our guide to uploading Gaeilge and English receipts to QuickBooks Online covers that side.

When is the bank feed enough?

For a client with one current account, a live feed and no gaps, the feed is enough. Extraction earns its place when the feed can't help. If that happens once a year, keying by hand may be fine. If it happens every week, the hours add up.

Where tofu fits

tofu reads PDF bank statements from any bank, AIB, Bank of Ireland and PTSB included, with no page limit. It extracts every transaction line. Its review screen checks the opening and closing balances, and the running balance on each line, so you can see where an error starts. A statement that holds several accounts or currencies gets one section per account and currency.

What happens next depends on the ledger.

Xero Bank Feeds publishing left early access in September 2026. Each statement publishes once, and Xero takes only single account statements from the past 12 months. For older work, such as Ulster Bank years, export the Xero CSV instead. More on the Xero integration and bank statement extraction pages.

On pricing, each statement page counts as one entry, however many transactions it holds. Irish firms on our calls this month asked two things: what statement pages cost on the tool they use now, and whether Xero's own capture is enough. Test both on the same statement and compare.

tofu does not reconcile, file VAT returns or replace a live bank feed. It turns statements into clean, checked data. Reconciliation stays in your ledger.

At Arass Consultants, a 10-page statement with 20 to 30 lines a page took at least 30 minutes to key.

With tofu, the same statement takes about 2 minutes.

"Saying it was easy was an understatement."

Iqbal Rahman, Arass Consultants

Run one AIB, Bank of Ireland or PTSB statement through tofu and compare. Start a free trial or see pricing. Firms with clients across the water may like our UK guide to Barclays, Lloyds, HSBC and NatWest, and there are versions for Australia and Malaysia.

Frequently asked questions

How do I download an AIB bank statement as a PDF?

Log in to AIB Internet Banking, click Accounts and select My Statements. eStatements are PDFs, kept for up to 7 years. iBusiness Banking shows only the last 6 months.

Can I export Bank of Ireland transactions to CSV?

Yes. In 365 online, select the account and click Export your transaction history, which produces a CSV file. Credit card transactions can't be exported. Business On Line exports a 90 day statement as CSV. For older periods, use the PDF eStatements, which Bank of Ireland stores for 7 years.

How far back can I get PTSB statements online?

PTSB keeps eStatements issued from 6 December 2021 for up to 2 years from the issue date, and older ones for up to 15 months. Once an account closes, the customer loses access to documents in Open24. Duplicate statements cost €2.50 per page (capped at €20 per account request), so ask clients to save their PDFs before closing an account.

Is there a PTSB bank feed for QuickBooks Online in Ireland?

PTSB isn't named on QuickBooks Online's Irish bank feeds page, though AIB and Bank of Ireland are. Check inside QuickBooks for the current list. If there's no feed, convert the PTSB statement to a CSV and upload it.

How do I get old Ulster Bank or KBC statements into Xero?

Those accounts are closed, so no feed will connect. Extract the transactions from the saved PDFs and import them as a CSV under Accounting, Bank accounts, then choose the account and Import a Statement.

Does eInvoicing in Ireland mean we won't need to process bank statements?

No. Revenue's Phase One requires large corporates to issue structured eInvoices for domestic B2B transactions from 1 November 2028. It doesn't change how banks issue statements, and receipts from consumer purchases will still arrive as paper or PDF.

Sources

• AIB Business: How do I export my statements / transactions?
• AIB Business: How do I view my statements?
• AIB: eStatement guide
• AIB: Printout of recent transactions
• Bank of Ireland: Export transactions
• Bank of Ireland: eStatements
• Bank of Ireland: Business On Line Customer Handbook, April 2026
• PTSB: How do I view eStatements?
• PTSB: Online banking support and FAQs
• PTSB: A useful guide for managing your day-to-day banking online
• Central Bank of Ireland: New data on bank account openings and closures
• KBC: KBC Bank Ireland closes sale to Bank of Ireland
• Xero Ireland: Connect your bank
• QuickBooks Ireland: Bank feeds
• QuickBooks Ireland: Format CSV files to get bank transactions into QuickBooks
• Sage Ireland: Connect my bank
• Sage knowledgebase: Supported file formats for bank statement imports
• Revenue: Phase One of VAT Modernisation
• tofu help: Send bank statements to Xero
• tofu help: Convert bank statements for QuickBooks Online
• tofu help: Review bank statements
• tofu help: Export bank statements for non-integrated entities
• tofu help: September 2026 product releases

Checked against AIB, Bank of Ireland, PTSB, Central Bank of Ireland, KBC, Xero, Intuit, Sage, Revenue and tofu help centre pages in October 2026.