What exactly is the XERO* charge on my bank statement?

The XERO* charge is the billing descriptor used by Xero Accounting when processing subscription payments. It represents your monthly or annual fee for using Xero's cloud accounting software.

Why does the charge say XERO* instead of 'Xero Accounting'?

Banks and card networks truncate merchant names, so Xero Accounting's full name is shortened to XERO* on your statement. This is a standard payment processing practice and does not indicate fraud.

Can I get a refund for a XERO* charge?

Xero Accounting's refund policy varies by region and plan type. Contact Xero support at xero.com/contact to request a refund — accidental renewals or plan upgrades are often eligible for review.

How do I cancel my Xero Accounting subscription to stop XERO* charges?

Log into your Xero Accounting account, go to Settings > Subscription, and select the option to cancel or downgrade your plan. Make sure to cancel before your next billing date to avoid another XERO* charge.

How do I make sure XERO* charges stop after canceling?

After canceling your Xero Accounting subscription, monitor your statements for one full billing cycle to confirm no further XERO* charges appear, and save your cancellation confirmation email as proof.

Home›Browse Charges›SaaS›XERO*

XERO* Charge (What It Is + Is It Legit?)

✓ Legitimate

The "XERO*" charge is from Xero Accounting. Xero accounting software subscription.

🌍 NZ🕐 7 min read📅 Updated May 22, 2026

Xero Accounting

Xero accounting software subscription.

XERO*

Why this shows on your statement

Xero Accounting processes its subscription billing through a truncated merchant identifier system that shortens the brand name to XERO* on your bank statement, with the asterisk following it typically indicating a recurring or subscription-based transaction flagged by the payment processor. Because Xero is headquartered in New Zealand and routes payments through international payment gateways to serve its global customer base, the descriptor gets compressed to fit standard character limits imposed by card networks like Visa and Mastercard. If you see XERO* on your statement alongside a charge of around $13.00, it is almost certainly your monthly Xero accounting software subscription renewing automatically.

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What should you do?

Confirm Your Xero Subscription

Log into your account at xero.com and navigate to your subscription settings to verify that the XERO* charge on your bank statement matches your current Xero Accounting plan and billing cycle.

Check Your Xero Billing History

Visit xero.com/account/billing to review your full billing history and confirm the exact amount charged matches what Xero Accounting has on record for your subscription tier, whether it's Starter, Standard, or Premium.

Review Who Has Access to Your Xero Account

Inside your Xero Accounting dashboard, check the Users section to see if any team members or accountants were added that may have triggered an upgraded plan or additional seat charge reflected in the XERO* transaction.

Cancel or Downgrade If Needed

If you no longer need Xero Accounting or want to stop future XERO* charges, go directly to xero.com/account/billing to downgrade your plan or cancel your subscription before the next billing date to avoid being charged again.

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How to cancel Xero Accounting

Xero Accounting bills you Monthly. To stop future charges, cancel from your account directly.

Cancel at Xero Accounting

ℹ️ International processing

This charge is processed in NZ. You may see a foreign transaction fee from your bank (typically 1-3%).

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Should you be worried?

No, this is a legitimate charge from Xero Accounting. However, if you did not authorize this charge or cancelled your subscription, you may be eligible for a refund.

Is the XERO* Charge Legitimate or Fraud?

The XERO* charge on your bank or credit card statement is almost always a legitimate billing from Xero Accounting, a cloud-based accounting software platform used by small businesses and accountants worldwide. This charge typically appears when you or someone at your organization has an active Xero subscription. Common reasons you might see XERO* include:

A monthly or annual Xero Accounting subscription renewal for your business plan
An upgrade to a higher Xero tier such as Starter, Standard, or Premium
Add-on services billed separately by Xero Accounting, such as payroll or expense tracking
A free trial on your Xero account that has recently converted to a paid subscription

How to Verify the XERO* Charge

1
Log into your Xero Accounting account
Visit xero.com and sign in to check your subscription plan, billing history, and any recent invoices that match the XERO* amount on your statement.
2
Search your email for Xero receipts
Search your inbox for emails from 'noreply@xero.com' or 'billing@xero.com' — Xero Accounting sends payment confirmations and invoices for every charge processed.
3
Check with business partners or employees
If the card is shared for business use, confirm whether a colleague or accountant set up a Xero Accounting subscription using your company payment method.
4
Review your active subscriptions
Check services like your bank's subscription tracker or a tool like Rocket Money to confirm whether a Xero Accounting plan is listed as an active recurring charge.
5
Contact your bank for details
Ask your bank for the full merchant descriptor on the XERO* transaction — this can reveal the exact Xero Accounting plan or region associated with the charge.

How to Dispute a XERO* Charge

1
Act within 60 days of the charge
Most banks require disputes to be filed within 60 days of the XERO* charge appearing on your statement, so act quickly if you believe the charge is unauthorized or incorrect.
2
Contact Xero Accounting support first
Reach out to Xero Accounting directly at xero.com/contact or via their in-app support chat. Resolving billing issues with Xero directly is often faster than a bank dispute.
3
File a chargeback with your bank
If Xero Accounting cannot resolve the issue, contact your bank or card issuer to file a formal chargeback, citing the unauthorized or unrecognized XERO* charge.
4
Request a new card number if needed
If the XERO* charge appears fraudulent and you did not authorize any Xero Accounting account, ask your bank to issue a new card to prevent further unauthorized charges.

Tips for Managing Xero Accounting Charges

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Enable billing notifications in Xero Accounting so you're alerted before each XERO* charge hits your card.

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Download your Xero Accounting invoices monthly to reconcile XERO* charges against your business records.

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Secure your Xero Accounting login with two-factor authentication to prevent unauthorized plan changes.

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Note your Xero billing renewal date to anticipate the XERO* charge and avoid surprise debits.

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Use a dedicated business card for XERO* charges to simplify tracking and protect personal accounts.

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Use WhatIsThisCharge.net to identify XERO* and other related Xero Accounting charges on your statement.

ℹ️ Note

In most cases, the XERO* charge is a routine, expected billing from Xero Accounting for your active accounting software subscription — simply log into your Xero account to confirm the charge matches your current plan.