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Xero BACS → Monzo CSV

Paste your Xero BACS export and download a Monzo-ready bulk payment CSV.

Settings

.csv will be added automatically

BACS Data Input

Preview 0 payments

Payment referencePayee nameSort codeBank accountTypeAmount

No payments to display. Paste BACS data and click Convert to see results.

Tip: If your browser blocks downloads, use Copy CSV and paste into the Monzo template.

The full Brikly experience

Tired of manual payment workarounds?

In Brikly, supplier invoices are scanned by AI, matched to your accounts, and ready for approval - no copy-pasting between spreadsheets and banking apps.

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Why Xero and Monzo don’t talk to each other

Monzo Business supports bulk supplier payments through a CSV upload. The expected format is simple: Name, Sort Code, Account Number, Reference, Amount. Xero’s BACS export, in turn, is a perfectly valid file for the BACS service, but the column order, the headers, and a couple of formatting quirks are different.

The result is that operators on Xero and Monzo (a common combination for cafes and small hospitality businesses) end up either retyping every supplier into the Monzo template every fortnight, or paying suppliers one at a time through Monzo’s single-payment flow. Both waste 30 to 60 minutes per pay run.

How to use this converter

  1. Export the BACS file from Xero. Go to Business > Pay run, then download the BACS file for the run you want to pay.
  2. Drop the file into this converter. The conversion runs entirely in your browser. Files never leave your device.
  3. Review the preview. The tool shows every supplier, sort code, account number, and amount before you export, so you can spot anything wrong.
  4. Download the Monzo-ready CSV. Upload it directly to Monzo Business under Payments > Bulk payments.

Privacy: your data never leaves your browser

Supplier sort codes and account numbers are sensitive. This tool was built so they stay sensitive. The conversion happens in JavaScript on your machine, no data is uploaded, nothing is logged, nothing is stored. Close the tab and the data is gone.

Frequently asked questions

Can I send bulk payments from Monzo Business?

Yes. Monzo Business accounts support bulk payments by uploading a CSV that follows their template (Name, Sort Code, Account Number, Reference, Amount). Many UK accounting tools, including Xero, do not export in Monzo’s exact column order, so a one-step conversion is needed.

How do I convert a Xero BACS file to Monzo format?

Export the BACS file from Xero (Business > Pay run > Download BACS file). Drop it into this converter, which remaps the columns into Monzo’s expected layout, validates sort codes and account numbers, and outputs a CSV ready to upload to Monzo Business.

Is this tool secure? Where does my payment data go?

The conversion runs entirely in your browser. Files never leave your device, never hit any Brikly server, and are not stored. Once you close the tab, the data is gone.

What other accounting tools work with this converter?

The converter is built around Xero’s BACS export format. Sage and QuickBooks BACS exports use similar but not identical columns and may need a manual remap. We are looking at adding support for both, contact hello@brik.ly if you need it.