How to merge Debit and Credit into one Amount for Xero

Task

A bank export has separate Credit and Debit, while Xero needs one Amount column: income positive, expenses negative.

Short answer

Create Amount from credit; if debit is filled, replace the value with debit and add a minus sign at the beginning.

How to do it in Eofferix

Upload the bank table and open the table editor.
The preview shows Credit as positive Amount and Debit as negative.
Create Amount from credit. Add a rule: if debit is not empty, replace the value with {debit}.
If debit is filled, the value is taken from it and receives a minus sign.
In the next rule, if debit is not empty, add - at the beginning.
Keep date and description as separate columns and save the Xero template.

The data below is a training example and does not belong to real user files.

source data

date	description	Credit	Debit
2026-06-01	Client payment	1250.00
2026-06-02	Bank fee		15.00
2026-06-03	Subscription	79.00

result