Xero’s bank feed functionality is central to how business customers experience their accounting software. Transactions that flow automatically from the bank into Xero eliminate the download-and-import workflow that finance teams and bookkeepers otherwise manage manually each day. Ninth Wave’s Xero integration delivers that bank feed through a secure, API-based connection — replacing credential-based data collection with tokenized access that protects the customer’s banking credentials at every step.
Our integration supports the full range of Xero’s bank reconciliation features, delivering transaction data in the format Xero expects, on the schedule Xero’s bank feed infrastructure requires. The finance team sees current, accurate bank data inside Xero without logging into the bank portal separately.
Automated Transaction Import
Ninth Wave delivers bank transactions directly into Xero as they post, removing the need for customers to export statement files, format data, and import records manually. Bookkeepers and business owners working in Xero see a continuously updated ledger that reflects actual bank activity, reducing the time spent on reconciliation and the errors that accumulate when data moves through manual steps.
Real-Time Balance Visibility
With a direct bank connection established through Ninth Wave, Xero users have access to current account balances within their accounting environment. Cash position visibility supports day-to-day decisions about payments, invoicing, and expense management without requiring a separate login to the bank’s online portal.
Tokenized Access
Xero bank integrations that rely on screen scraping require customers to share their banking username and password with a third-party aggregator. Ninth Wave replaces that model with OAuth 2.0 tokenized access — the customer authorizes the connection once, receives a secure token, and the bank feed operates through that token rather than through stored credentials. The customer’s login details are never held by a third party.
Customer-Controlled Permissions
The integration gives customers visibility into their active bank connections and the ability to manage or revoke access from within their banking interface. Banks retain full oversight of which third-party connections are active for each account, supporting both customer transparency and the bank’s security monitoring requirements.
Xero has a strong following among small businesses, professional services firms, accountants, and bookkeepers who manage multiple client accounts through a single platform. For these users, the quality of the bank feed connection directly affects how they experience their banking relationship. A reliable, real-time bank feed inside Xero reflects well on the institution that enabled it.
Financial institutions serving business banking customers in sectors including professional services, creative agencies, hospitality, and early-stage businesses are likely to have a meaningful segment of Xero users in their commercial portfolio. Ninth Wave’s Xero integration allows those customers to connect their accounts to Xero through a secure, bank-managed process — strengthening the banking relationship rather than routing it through a third-party aggregator outside the bank’s control.