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Xero and AI.

Its own AI is JAX. Claude, ChatGPT and Copilot can read your Xero data, and Gemini can also send invoices once you confirm.

Checked 15 October 2026 against 83 sources, each the vendor’s own page. See them all, or what’s changed since.

Xero JAX built in
Which AI connects to Xero. Reads and makes changes Reads only No official link
All the tool guides

The short version

  • Xero’s built-in AI is called JAX. Xero uses that one name for a chat assistant you open from the navigation bar and for automation that runs in the background, such as bank matching.24
  • JAX chat comes with every Xero subscription at no extra charge for now. It can only see what your own Xero login can see.2
  • Automatic bank reconciliation by JAX is included from the Grow plan up. On Ignite it’s a paid add-on called AI Automate.9
  • Smart Document Capture reads the receipts and invoices you send into Xero. You check the details before Xero creates anything.10
  • Four outside AI assistants now have official Xero connections: Claude, ChatGPT, Microsoft Copilot and Google Gemini.634736
  • The Claude, ChatGPT and Copilot connections are read-only. They answer from live Xero data and link you back to Xero to make any change.6657
  • The Gemini connection was announced on 14 October 2026. It can issue invoices or send reminders, but only after you confirm each change.36
  • Xero says data passed to Claude, Copilot and Gemini through these connections is used only for your session and isn’t used to train their models.242636
  • For anything else, Xero offers a developer route: its MCP server plus a custom connection at $10 a month. Xero says it needs some programming experience.5254
  • Xero reports about 96% accuracy on the bank lines JAX reconciles by itself, so someone still needs to check the results.8

The plans

Xero is online accounting software. Each set of books is called an “organisation”. In Australia it’s sold as monthly plans priced in AUD, including GST.120

These are the regular monthly prices on Xero’s Australian pricing page as read on 15 October 2026. New Australian customers are offered 80% off for the first three months with a promo code.1

PlanPrice a month (AUD, incl. GST)AI-related inclusionsLimits worth knowing
Ignite$37“Smart document capture basic extraction”. JAX bank matching isn’t listed; it’s sold as the AI Automate add-on (the pricing page says $8.00 a month to add bank reconciliation).20 invoices, 5 bills, payroll for 1 person, 30-day cash flow forecast
Grow$78Smart document capture basic extraction. JAX categorises and matches high-confidence bank transactions.Payroll for 2, 60-day forecast
Comprehensive$107Full Smart document capture. JAX bank matching. “Budget with smart suggestions” (3 budgets).Payroll for 5, 90-day forecast, multiple currencies
Ultimate 10 / 20 / 50 / 100$143 / $180 / $250 / $300As Comprehensive, plus “Analyse KPIs and ratios” and “Benchmark against the industry”.Payroll for 10 / 20 / 50 / 100, 180-day forecast
Ultra$500As Ultimate, plus Syft Advanced for multi-entity consolidation, forecasting and budgeting.Payroll for 10, priority support, targeted data restore

Sources for the table:191328

  • The Ignite invoice limit counts invoices that connected apps create too: “Transactions initiated by app partners may automatically contribute to your invoice limit.”1
  • Ultra launched in Australia on 7 July 2026 at $500 a month including GST.28
  • Ultra’s Syft Advanced tools use a separate Syft login.12

Tools for accountants and bookkeepers

  • Xero Partner Hub is free with the Xero partner program. Xero says it brings together work that used to be split across Xero HQ, Xero Practice Manager, Tax and Workpapers.14
  • Practices that used only Xero HQ were scheduled to move to Partner Hub in early 2026.40
  • Xero’s help centre (Xero Central) still uses “Xero HQ” in some article names, so expect to see both names.42
  • Partner Hub includes JAX chat, which Xero labels as beta.14
  • Tax & Workpapers is an optional Partner Hub tier. It’s free for Bronze, Silver, Gold and Platinum partners. Otherwise it costs $71.50 to $163.90 a month.14
  • On the Xero Tax page, that’s $71.50 a month for one user, $108.90 for up to three, and $163.90 for four or more, including GST. Xero Sign by Adobe Acrobat Sign costs extra.15
  • Practice Management (jobs, time and billing) is free for Silver partners and above. It’s $163.90 a month for Bronze partners and new practices.14
  • Xero Tax prefills activity statements from ATO data. The Xero Tax page doesn’t describe this or anything else as AI.15
  • Xero Practice Manager: we found no AI features described in the sources we could read. The Partner Hub page describes Practice Management as jobs, time and billing.14
  • Hubdoc is still sold as a separate document capture product, with a free trial and a Xero integration. Its home page describes automatic extraction of details such as supplier names and due dates, but doesn’t use the word AI.59
  • Xero Central has Hubdoc articles updated as recently as September 2026, including one on turning off Hubdoc’s data extraction.42

What’s built in

JAX chat (“JAX, your AI finance partner”) Answers questions about your own figures in plain English, with charts and tables.
What it does
  • Answers questions about your own figures in plain English, with charts and tables.2
  • Answers “how do I do this in Xero” questions from Xero’s help content.2
  • Does general business research. Xero’s examples include van lease rates in Melbourne and the minimum wage in Victoria.2
  • Coaches you through conversations, such as negotiating payment terms with a customer.2
  • Handles admin such as creating invoices and quotes. Xero’s example is an invoice for a contact based on the last quote you sent them.2
  • Xero calls JAX a “superagent” that coordinates several AI agents behind the scenes.21
  • Xero says a control system called JAX Assure reduces made-up answers compared with tools that rely only on large language models.21
  • Its business research uses web research Xero developed with OpenAI.21
  • An image on Xero’s AI philosophy page shows JAX asking for confirmation before it sends an invoice.16
  • Xero calls its approach “Accountable Intelligence”. JAX shows its work with visible audit trails, and people “remain fully accountable for the final outcomes”.31
Where to find it
  • Open JAX from the navigation bar inside Xero and ask a question.2
  • Xero Central says you can also use JAX in the Xero Accounting app. You can start a new chat to keep topics apart and reopen past chats from your chat history.45
Plans and cost
  • Xero says JAX chat is available to all Xero subscribers and users.2
  • Xero Central is narrower. It says JAX is for the subscriber and users with the administrator or standard user role, and it labels JAX a beta.76
  • There’s currently “no additional charge to Xero subscribers”. Xero reserves the right to change the terms, including pricing.2
On by default, and who controls it
  • JAX chat is there for everyone, but it only does something when a person opens it and asks a question.2
  • To stop particular people using it, Xero says to change their Xero roles and permissions.2
  • JAX chat follows the same access rules as the rest of Xero, so people only see data they’re already allowed to see.2
  • We didn’t find a single switch that turns JAX chat off for a whole organisation. The FAQ only describes leaving it unopened or changing roles.2
Your data
  • Xero says “JAX chat doesn’t use your data to train the LLMs it uses”.2
  • Xero names AWS, Microsoft Azure, GCP and OpenAI as its large language model providers. Xero says they process what you type, which may include personal data, and don’t keep it to train their models.2
  • Xero’s sub-processor list names Anthropic and OpenAI for “Conversational artificial intelligence services”, both located in the United States.18
  • Xero’s March 2026 Anthropic announcement says Claude’s reasoning powers parts of JAX’s work. The JAX FAQ doesn’t name Anthropic.232
  • Xero’s AI page says JAX is “Grounded in 20 years of Australian small business data”. It doesn’t explain how that sits with the no-training statement for JAX chat.42
  • Xero’s privacy notice says data may be processed in countries including Australia, New Zealand and the United States.19
In Australia
  • The Australian JAX page says JAX chat is available to all subscribers and users.2
  • In March 2025 Xero said JAX could also be reached by SMS in Australia, and by WhatsApp and email forwarding. The current Australian JAX page mentions only the navigation bar, so we couldn’t confirm those channels still work.222
Automatic bank reconciliation, powered by JAX JAX categorises and matches new bank statement lines. It reconciles a line by itself only when it’s highly confident.
What it does
  • JAX categorises and matches new bank statement lines. It reconciles a line by itself only when it’s highly confident.9
  • When it isn’t confident, it suggests a match and leaves the line for you to reconcile.9
  • Every auto-reconciled line shows one of four methods. “Match” means it matched an existing Xero document. “Rule” means one of your bank rules applied.8
  • “Memory” means it followed how you reconciled similar lines before. “Prediction” means it followed how other Xero users reconciled similar lines.8
  • Xero says it auto-reconciles over 60% of the lines it sees, with about 96% accuracy on those. Xero measures accuracy as the share of lines users didn’t correct, averaged over April to July 2026.8
  • Once it’s on, JAX looks at new statement lines as they arrive. It doesn’t go back over old ones.44
Where to find it
  • Subscribers and advisers turn it on for each bank account from that account’s settings.8
  • Xero Central’s Australian steps: in the Accounting menu select Bank accounts, click the account, select the Reconcile tab and click Auto-reconcile. Under Auto-reconcile settings, tick Turn on Auto Bank Reconciliation, then click Save.44
  • To turn it off, clear that checkbox and click Save. To change every bank account at once, click the arrow next to Save and choose Save for all accounts.44
  • You review results on the Reconciled page. You can change an account code or tax rate in the row without starting over.932
  • Remove & redo reverses a line. Settings history shows the latest change to the setting, who made it and when.8
  • Xero keeps an audit trail in the History and Notes report. The GST Audit report shows the transactions behind your activity statement.9
  • Xero suggests starting with one account that has established rules and consistent transactions.8
Plans and cost
  • Xero’s Australian page says: “Available on Grow plan and above. Optional add on for the Ignite plan.”9
  • The Ignite add-on is called AI Automate. Xero Central says it costs a fixed monthly price.944
  • Xero’s Australian pricing page says you can add automatic bank reconciliation “to your plan for $8.00 per month”. It doesn’t use the name AI Automate or say whether GST is included.1
  • The Ultra plan card also lists JAX bank matching.1
  • Xero’s Australian campaign page for this feature has some contradictory lines, including US plan names. Check your own subscription settings before relying on it.8
On by default, and who controls it
  • Xero describes it as something you turn on account by account. We found no statement that it’s on by default.89
  • Xero Central’s Australian article says you must be the subscriber or have the administrator user role to turn it on or off, and only one person per organisation needs to do it. Xero’s campaign page says advisers instead.448
Your data
  • Xero says it doesn’t use customer data to train its Auto Bank Reconciliation models unless the data is anonymised or Xero has permission.8
  • Xero also says it may use data about how you use the feature to improve its products.8
  • The “Prediction” method draws on how other Xero users reconciled similar transactions.8
In Australia
  • Xero’s Australian pages describe the feature and its plan inclusions.91
  • Xero Central has an Australia and New Zealand version of the how-to article updated 17 September 2026, and an “About” article updated 7 October 2026.42
Smart Document Capture (in Documents, formerly Files) Reads receipts, invoices and rental statements, then extracts the details into Xero.
What it does
  • Reads receipts, invoices and rental statements, then extracts the details into Xero.10
  • You double-check and approve the details before Xero creates a record.10
  • It compares extracted data with your bank records and highlights likely matches for you to accept or reject.10
  • It warns you if you upload the same document twice.10
  • On 18 September 2026 Xero renamed Files to Documents and said Smart Document Capture is now “powered by JAX”. Xero says it learns patterns over time.35
Where to find it
  • Documents now sits in the Accounting menu. It moved there from the organisation name menu.35
  • To get documents in, photograph them with the Xero Accounting app or send them to your Xero email address. You can also drag and drop files in the browser.10
  • Auto-matching can be turned on or off at any time.35
Plans and cost
  • Ignite and Grow include “Smart document capture basic extraction”. Comprehensive and above include “Smart document capture”.1
  • The pages we read don’t explain what “basic extraction” leaves out. No extra charge is mentioned.110
On by default, and who controls it
  • The pages we read don’t say whether it’s on by default.1035
  • User permissions can limit a team member to uploading and viewing only, so they can’t see other financial data.35
Your data
  • The pages we read don’t say whether your uploaded documents are used to train Xero’s models.1035
  • Xero says capture is highly accurate when documents are clear and in standard formats, and that you should check the details before records are created.10
In Australia
  • Xero’s Australian product page and pricing page both describe it.101
  • Xero first rolled it out to UK customers in March 2026, with other markets to follow.37
  • Xero plans tax number validation for the UK and Australia.35
Analytics, forecasts and benchmarks (Analytics powered by Syft) Dashboards and a cash flow manager with “what if” scenarios.
What it does
  • Dashboards and a cash flow manager with “what if” scenarios.38
  • AI-generated suggestions and summaries that explain your numbers.38
  • Business health scorecards that combine performance metrics with outside data such as website traffic.38
  • Industry Benchmarks, launched 29 June 2026, compare your ratios with businesses in your industry and country. Each ratio is labelled leading, lagging or in line, with AI-generated suggestions.39
  • Cash flow forecasts run 30, 60, 90 or 180 days ahead depending on your plan.1
  • Xero’s AI page groups cash flow answers and scenario modelling under a heading called “AI Insights”.4
Where to find it
  • The pages we read don’t give a menu path for analytics inside Xero.1138
Plans and cost
  • Xero says core analytics are included in all business plans at no cost.11
  • “Analyse KPIs and ratios” and “Benchmark against the industry” are on Ultimate and Ultra.1
  • Syft Advanced, with consolidation and advanced forecasting and budgeting, comes only with Ultra at $500 a month.128
On by default, and who controls it
  • Not stated in the pages we read.1138
Your data
  • Industry Benchmarks are built from “anonymized and aggregated data” from Xero small business customers worldwide.39
  • Xero’s terms allow it to use anonymised statistical data from your use of Xero for its own purposes.20
In Australia
  • Xero’s Australian analytics and pricing pages describe these features.111
  • Xero Central’s Australian “Analytics pricing plans” article sets out which analytics features each plan gets. Its cash flow table gives Grow a 30-day forecast, while Xero’s pricing page says 60 days.821
  • Xero Central’s short-term cash flow article says cash predictions need at least three months of reconciled transactions.83
Budget with smart suggestions Xero lists budget suggestions among JAX’s capabilities. The pages we read don’t describe how the suggestions are made.
  • What it does: Xero lists budget suggestions among JAX’s capabilities. The pages we read don’t describe how the suggestions are made.3
  • Where to find it: Not documented in the pages we read. Xero Central’s “About Budgets in Early access” says Xero creates a first budget from last year’s actuals, but it doesn’t mention smart suggestions or give a menu path.77
  • Plans and cost: Comprehensive (3 budgets) and above.1
  • On by default, and who controls it: Not stated.13
  • Your data: No feature-specific statement found.13
  • In Australia: Listed on the Australian pricing page.1
JAX in Xero Partner Hub (beta, for accountants and bookkeepers) Ask JAX for insights across your clients, or for a summary of one client before a meeting. It also gives quick answers on the Partner Hub homepage.
  • What it does: Ask JAX for insights across your clients, or for a summary of one client before a meeting. It also gives quick answers on the Partner Hub homepage.14
  • Client insights help you spot which Xero clients might benefit from support or advice.14
  • Where to find it: The Partner Hub homepage.14
  • Plans and cost: Partner Hub is free with the Xero partner program.14
  • On by default, and who controls it: Xero says “JAX chat is currently in beta”.14 Xero’s terms say beta services are used at your own risk.20
  • Your data: The Partner Hub page has no specific data statement.14
  • In Australia: Described on the Australian Partner Hub page. Xero Central’s “About JAX for accountants and bookkeepers (beta)” was updated 8 September 2026.1442
XeroForce (early access) Lets you build custom AI agents by describing them in plain English. Agents can link Xero with other apps. They can run on a schedule or wait for an event such as an email reply.
  • What it does: Lets you build custom AI agents by describing them in plain English. Agents can link Xero with other apps. They can run on a schedule or wait for an event such as an email reply.25
  • Xero says every agent action is logged with an audit trail.25
  • Where to find it: In May 2026 it was an invite-only alpha. By August 2026 Xero called it early access, with general release “later this year”.2541
  • Plans and cost: Not stated.25
  • On by default, and who controls it: Not stated.25
  • Your data: The announcement has no data-use statement.25
  • In Australia: Not stated.25

Connect another AI

A quick translation of the jargon. An API is the door Xero opens so other software can read or change your books. MCP (Model Context Protocol) is a standard way for an AI assistant to use outside tools. Xero’s own FAQ describes it as a way to connect an AI model to an external data source.54

Claude calls its links “connectors”. ChatGPT calls them “plugins”. Microsoft calls them “agents” and Google calls them “connected apps”. In each case you sign in with your Xero login and approve access.661687172

ChatGPT and Xero

Reads only.

ChatGPT and Xero

Official? Yes. The “Xero plugin in ChatGPT” is built by Xero Limited and powered by JAX. Xero said it was live on 16 September 2026.
  • Yes. The “Xero plugin in ChatGPT” is built by Xero Limited and powered by JAX. Xero said it was live on 16 September 2026.3465
  • It works in ChatGPT’s Chat and Work modes and in Codex.34
What it can see and do Xero says it reads real-time profit and loss, balance sheet, invoices and bills, “and more”.
  • Xero says it reads real-time profit and loss, balance sheet, invoices and bills, “and more”.34
  • OpenAI’s listing describes profit and loss, cash position, outstanding invoices and top customers, with links back to Xero.65
  • Xero Central’s list goes further, covering bills and suppliers, repeating invoices and bills, contacts, and organisation details. Answers show interactive widgets that link through to Xero.46
  • The listing says ChatGPT connects with read-only access.6566 Xero Central says ChatGPT can’t change anything in your Xero organisation.46
  • Xero says you can build your own workflows that pull live Xero data.34
What you need A Xero subscription. The sources we read don’t name a required Xero plan.
  • A Xero subscription. The sources we read don’t name a required Xero plan.346546
  • A ChatGPT account. OpenAI says availability depends on the plugin, your plan and your workspace settings, and some connections need admin approval.65
  • Xero Central asks for ChatGPT Plus, or access to ChatGPT Work, Codex or ChatGPT for Excel and Google Sheets.46
  • In ChatGPT Business, apps start switched on. In Enterprise and Edu, new plugins and apps generally stay off until an admin reviews them.81

Steps to connect (OpenAI's plugin docs and Xero Central, neither dated)

  1. Then: The Xero plugin by Xero Limited appears. Sources 6867

    ChatGPT’s Plugins page, with Plugins in the sidebar ringed.
    Screenshot: ChatGPT’s Plugins page, signed out, 18 October 2026.

  2. Then: The plugin installs. Sources 6867

    The Xero page in ChatGPT’s plugin directory, with the Install plugin button ringed.
    Screenshot: ChatGPT’s plugin directory, the Xero page, signed out, 18 October 2026.

  3. Then: The Xero connection is set up. The exact Xero screens weren’t in the docs we could read. Sources 4667

    A drawing from the step’s own words. The real screen may look a little different.

  4. Then: Read-only answers from live Xero data, with links back to Xero. Source 68

    A drawing from the step’s own words. The real screen may look a little different.

Pictures without a date are drawings from each step’s own words. The real screen may look a little different.

Xero Central’s own steps match. Open Plugins, search for Xero, select it and click Install or Get started, then sign in to Xero and pick the organisation.46

To disconnect Select Uninstall plugin where it’s offered. OpenAI’s help centre warns that uninstalling can disconnect all the accounts connected through the plugin. Its Learn docs add that a separately connected integration stays connected until you disconnect it.
  • Select Uninstall plugin where it’s offered. OpenAI’s help centre warns that uninstalling can disconnect all the accounts connected through the plugin. Its Learn docs add that a separately connected integration stays connected until you disconnect it.8068
  • To disconnect just your Xero account: Settings > Plugins > Xero > the account’s ••• menu (or Connection) > Disconnect.80 Workspace admins can disable a plugin under Workspace settings > Plugins.67
  • Xero Central’s ChatGPT article has no disconnect steps.46 On the Xero side, use Xero’s general steps under Settings > Connected apps (see Claude above).48
Limits Read-only, per the listing.
  • Read-only, per the listing.65
  • OpenAI’s listing says retrieved data is used only to answer you and isn’t stored between sessions.65
  • ChatGPT’s listing also says ChatGPT may share relevant chats and memories with the Xero plugin, under Xero’s terms and privacy policy.66
  • The same listing says ChatGPT respects your training settings for data from connected apps.66 On Free, Go, Plus and Pro, OpenAI may use information from apps to train its models if Improve the model for everyone is on. Business, Enterprise and Edu aren’t used for training by default.79
  • OpenAI’s docs say that when ChatGPT sends data through a plugin’s server, that service’s terms and privacy policy apply.68

Claude and Xero

Reads only.

Claude and Xero

Official? Yes. The “Xero connector in Claude” is made by Xero Limited and listed in Anthropic’s connector directory, added April 2026.
  • Yes. The “Xero connector in Claude” is made by Xero Limited and listed in Anthropic’s connector directory, added April 2026.606
  • Xero announced it as live on 13 May 2026 for users with an active Xero subscription.24
  • Xero is also one of the integrations in Anthropic’s “Claude for Small Business”, announced 15 September 2026.6234
What it can see and do It reads live Xero data: profit and loss, cash position, financial position, invoices, bills, aged receivables and payables, contacts and bank account transactions.
  • It reads live Xero data: profit and loss, cash position, financial position, invoices, bills, aged receivables and payables, contacts and bank account transactions.60
  • It also reads purchase orders, repeating invoices and bills, chart of accounts, tracking categories and top customers.60
  • It’s read-only. Anthropic’s listing says “Claude connects with read-only access.”60
  • Xero says Claude can’t edit invoices, post transactions or change anything in your books.6
  • Claude gives you links back to the Xero report, invoice or contact it used, so you can check before you act.6
  • In Claude for Small Business, Xero appears in workflows such as the Monday weekly brief, Proposal Builder and Close the Month.62
  • Xero lists business pulse, overdue invoice chasing, cash flow snapshot, accounts payable preparation and month-end preparation among the workflows it supports there.34
  • Anthropic says “Every workflow starts in approval mode.” Claude drafts and stages the work, then waits for your approval before anything goes out.63
What you need An active Xero subscription. Xero Central says the connector works on any Xero business pricing plan.
  • An active Xero subscription. Xero Central says the connector works on any Xero business pricing plan.643
  • A Claude account on a free or paid plan. Xero doesn’t charge for the connector.6
  • On Claude Team and Enterprise, an Owner must add the connector for the team first. Each person then signs in separately.61
  • Claude for Small Business is available on every paid Claude plan and runs in the Claude Cowork desktop app.62

Steps to connect (Xero's page and Anthropic's help article, neither dated)

  1. Then: The connectors directory opens. Sources 616

    Claude’s Customize page on the Connectors tab, with the + Add button ringed.
    Screenshot: Claude, the Connectors page under Customize, 18 October 2026.

  2. Then: You’re asked to sign in to Xero. Source 61

    The Xero listing in Claude’s connector directory, with the Connect to Claude button ringed.
    Screenshot: Claude’s connector directory, the Xero listing, 18 October 2026.

  3. Then: Xero asks which organisation to connect. Source 6

    A drawing from the step’s own words. The real screen may look a little different.

  4. Then: You’re returned to Claude with Xero connected. The exact Xero approval screen wasn’t in the docs we could read. Source 6

    A drawing from the step’s own words. The real screen may look a little different.

  5. Then: Xero is available in this conversation. Source 61

    The + menu under Claude’s message box, with Connectors ringed.
    Screenshot: Claude, the + menu in a new chat, 18 October 2026.

  6. Then: Claude answers from live Xero data, read-only, with links back to the Xero report, invoice or contact it used. Source 6

    A drawing from the step’s own words. The real screen may look a little different.

Pictures without a date are drawings from each step’s own words. The real screen may look a little different.

Team and Enterprise Owners first go to Organization settings > Connectors, click Browse connectors, choose the connector and click Add to your team. They can then set each tool to Always allow, Needs approval or Blocked.61

For Claude for Small Business (Anthropic’s plugin listing, not dated):

  1. Then: The plugin installs in Claude Cowork. Source 63

    The Small Business plugin’s page on Claude’s marketplace, with the Install in Cowork button ringed.
    Screenshot: Claude’s marketplace, the Small Business plugin page, 17 October 2026.

  2. Then: Workflows that list Xero can read your Xero data. Sources 6261

    A drawing from the step’s own words. The real screen may look a little different.

  3. Then: The workflow starts in approval mode. Claude drafts and stages the work, and nothing is sent, posted or paid until you approve it. Source 63

    A drawing from the step’s own words. The real screen may look a little different.

Pictures without a date are drawings from each step’s own words. The real screen may look a little different.

Xero’s own article starts from Claude’s Connector Directory and ends with Allow once you’ve picked the organisation. It connects one Xero organisation at a time, so to switch you disconnect and connect again.43

To disconnect In Claude, go to Customize > Connectors, select Xero and disconnect it.
  • In Claude, go to Customize > Connectors, select Xero and disconnect it.61
  • Xero’s article: open your Connectors settings in Claude, open Xero, click Disconnect, then Disconnect again to confirm.43
  • On the Xero side, Xero’s general steps for any connected app are: click the organisation name, select Settings, click Connected apps, then click Disconnect beside the app and confirm. That article doesn’t name Claude, ChatGPT, Copilot or Gemini.48
  • Xero says disconnecting stops new data going to the app, but data already sent may still be available.48
Limits Read-only “at launch”.
  • Read-only “at launch”.6
  • Advisers work with one client organisation at a time. Xero says switching between clients without reconnecting is coming.34
  • Xero says the connector is “not a source of tax, compliance, or financial advice” and doesn’t replace your accountant, bookkeeper or JAX.6
  • The tool list includes a “1099” report summary, which is a US tax form. That suggests the tool set isn’t tailored to Australia. That’s our inference; Xero doesn’t say.60
  • Xero says data shared through the integration is used only for your session. It says business data is never used to train Claude’s models.24
  • Anthropic’s listing says retrieved data is used only to answer you and isn’t stored between sessions.60
  • Anthropic says raw content from connectors isn’t used for training unless you copy it into the chat.64
  • On Claude’s Free, Pro and Max plans, your chats are used for training if you allow it in the Model Improvement setting, or if a chat is flagged for safety review.64
  • Anthropic says it doesn’t train on business data by default on Team and Enterprise plans.62

Copilot and Xero

Reads only.

Microsoft Copilot and Xero

Official? Yes. Xero calls it the “Xero agent in Microsoft 365 Copilot”. It launched on 1 July 2026.
  • Yes. Xero calls it the “Xero agent in Microsoft 365 Copilot”. It launched on 1 July 2026.74726
  • Microsoft has since renamed Microsoft 365 Copilot to Microsoft Copilot, so you may see either name.69
What it can see and do Profit and loss, cash position, receivables, payables, overdue invoices and top customers. Answers can cover a month, quarter, financial year or year-on-year.
  • Profit and loss, cash position, receivables, payables, overdue invoices and top customers. Answers can cover a month, quarter, financial year or year-on-year.7
  • Xero says “Copilot is read-only at launch”. Links open the report, invoice or customer record in Xero, where you make any change.7
  • Xero’s launch release said it worked in Copilot Chat, Excel, Word and PowerPoint.26
  • Xero’s 16 September 2026 blog lists Excel, Word, PowerPoint and Copilot Cowork as “coming soon”. These two Xero sources conflict.34
  • Xero plans Outlook and Teams support “in the months ahead”.27
What you need A paid Microsoft 365 Business or Enterprise account, plus a Xero subscription. Xero Central says the agent works in Copilot chat and connects to any organisation on a Xero business pricing plan.
  • A paid Microsoft 365 Business or Enterprise account, plus a Xero subscription.7 Xero Central says the agent works in Copilot chat and connects to any organisation on a Xero business pricing plan.47
  • Your IT admin may need to approve the agent.71 Xero Central says your Microsoft 365 administrator has to enable the Xero agent first.47

Steps to connect (Xero Central, no date shown; read 15 October 2026)

  1. Then: The list of agents available to you. Source 47

    A drawing from the step’s own words. The real screen may look a little different.

  2. Then: Its details open in the details pane. Sources 4771

    A drawing from the step’s own words. The real screen may look a little different.

  3. Then: The agent is added, or an approval request goes to your admin. Source 47

    A drawing from the step’s own words. The real screen may look a little different.

  4. Then: Not described in the docs we could read. Source 47

    A drawing from the step’s own words. The real screen may look a little different.

  5. Then: Read-only answers from Xero, with links to open the report, invoice or customer record in Xero. Source 7

    A drawing from the step’s own words. The real screen may look a little different.

Pictures without a date are drawings from each step’s own words. The real screen may look a little different.

For admins, the Integrated apps section of the Microsoft 365 admin center shows each agent’s permissions, terms and privacy statement. Admins choose which agents are allowed.6970

To disconnect Xero’s steps: in Copilot chat, open Settings (on the web, from the menu next to your name; in the desktop app, from the menu at the top right of a Xero chat). Click Agents, open Xero and click Sign out.
  • Xero’s steps: in Copilot chat, open Settings (on the web, from the menu next to your name; in the desktop app, from the menu at the top right of a Xero chat). Click Agents, open Xero and click Sign out.47
  • Admins can block or remove agents in the Microsoft 365 admin center.70
  • On the Xero side, use Xero’s general steps under Settings > Connected apps (see Claude above).48
Limits Read-only at launch.
  • Read-only at launch.7
  • Xero says “Your Xero data is session-based and not used to train models.”7
  • Xero’s release says the data is never used to train Copilot’s models.26
  • Microsoft says prompts, responses and Microsoft 365 data aren’t used to train its foundation models. It also tells you to check each agent’s own privacy statement and terms.69
  • When Copilot uses an agent, Microsoft sends it a query based on your prompt, your Copilot history and Microsoft 365 data you can access.69
  • Microsoft says customers outside the EU may have their queries processed in the US, the EU or other regions.69

Gemini and Xero

Reads and makes changes. Asks before each change.

Google Gemini and Xero

Official? Yes, announced 14 October 2026 as the “Xero connected app for Google Gemini”.
  • Yes, announced 14 October 2026 as the “Xero connected app for Google Gemini”.36
What it can see and do Profit and loss, income and expenses, balance sheet and cash position.
  • Profit and loss, income and expenses, balance sheet and cash position.36
  • Overdue balances, payables, overdue bills, customer and supplier contacts, and charts such as aged receivables.36
  • It can draft invoice summaries and complete routine tasks.36
  • Any change to financial data, such as issuing an invoice or sending a payment reminder, “requires explicit user confirmation in Xero’s connected app in Google Gemini before execution”.36
  • Gemini Tasks, for scheduled workflows such as preparing overdue invoice follow-ups with Gmail, is “coming soon” on eligible plans.36
What you need Xero didn’t name the Xero or Google plans required.
  • Xero didn’t name the Xero or Google plans required.36
  • For work or school Google accounts, Google says you need a qualifying Google Workspace edition with Keep Activity turned on. Your Workspace admin must also have enabled the app.73

Steps to connect (Google's general steps for personal accounts; Google's article doesn't name Xero yet)

  1. Source 72

    A drawing from the step’s own words. The real screen may look a little different.

  2. Source 72

    A drawing from the step’s own words. The real screen may look a little different.

  3. Source 72

    Gemini’s Customize page, with the Connectors tab ringed.
    Screenshot: Gemini, the Customize page, 18 October 2026.

  4. Source 72

    A drawing from the step’s own words. The real screen may look a little different.

  5. Source 72

    A drawing from the step’s own words. The real screen may look a little different.

Pictures without a date are drawings from each step’s own words. The real screen may look a little different.

To disconnect In Gemini, go to Customize > Connectors, click More options next to the app, then Disconnect.
  • In Gemini, go to Customize > Connectors, click More options next to the app, then Disconnect.72
  • On the Xero side, use Xero’s general steps under Settings > Connected apps (see Claude above).48
Limits Xero says data shared between the platforms is used only for your session.
  • Xero says data shared between the platforms is used only for your session.36
  • Xero says “Xero data is not used to train Google Gemini models.”36
  • Google says connected app availability varies by location and language, without listing countries.72

Other routes

Developer tools, automation tools and app stores.

Xero’s MCP server and API (the developer route)

Official? Yes. Xero publishes an open-source MCP server, “xero-mcp-server”, on GitHub under the MIT licence.
  • Yes. Xero publishes an open-source MCP server, “xero-mcp-server”, on GitHub under the MIT licence.55
  • It’s part of Xero’s AI Toolkit, alongside an Agents Toolkit and a Prompt Library.5457
  • Xero’s own Claude page calls the MCP server “a developer tool for custom workflows and automations”.6
  • Xero says MCP server usage grew tenfold between December 2025 and May 2026.41
  • The latest version is 0.0.17, published 26 May 2026. The code was last changed on 5 June 2026.5655
What it can see and do It has 51 tools.
  • It has 51 tools.55
  • Read tools cover accounts, contacts, invoices, credit notes, items, manual journals, quotes, tax rates, payments, bank transactions, tracking categories, and reports such as profit and loss, balance sheet, trial balance and aged receivables and payables.55
  • Create and update tools cover invoices, quotes, contacts, credit notes, items, manual journals, bank transactions, payment records and tracking categories.55
  • It also has payroll tools, including one that deletes timesheets. The README says that for payroll queries “the region should be either NZ or UK”, so they don’t cover Australian payroll.55
What you need Node.js 18 or later and an AI app that can run a local MCP server.
  • Node.js 18 or later and an AI app that can run a local MCP server.5554
  • Xero says “Some development or programming experience is needed.” Its testing used Claude Desktop and Cursor.54
  • A custom connection, which gives you a client ID and secret for one organisation. Developers juggling several organisations can use a bearer token from their own sign-in flow instead.55
  • Custom connections are only for organisations in Australia, New Zealand, the UK and the US. Each one connects to a single organisation.5152
  • Each costs “$10/m AUD (inc GST)” as a recurring monthly charge to the organisation. They’re free on the Xero Demo Company.52

Steps to connect (Xero's developer pages, not dated; README last changed 5 June 2026)

  1. Sources 5251

    A drawing from the step’s own words. The real screen may look a little different.

  2. Sources 5152

    A drawing from the step’s own words. The real screen may look a little different.

  3. Source 52

    A drawing from the step’s own words. The real screen may look a little different.

  4. Source 55

    A drawing from the step’s own words. The real screen may look a little different.

  5. Sources 5552

    A drawing from the step’s own words. The real screen may look a little different.

  6. Source 55

    A drawing from the step’s own words. The real screen may look a little different.

Pictures without a date are drawings from each step’s own words. The real screen may look a little different.

To disconnect Xero Central’s steps for disconnecting a connected app: click the organisation name, select Settings, click Connected apps, then click Disconnect beside the app.
  • Xero Central’s steps for disconnecting a connected app: click the organisation name, select Settings, click Connected apps, then click Disconnect beside the app.48
  • Editing a custom connection deactivates it until it’s re-authorised.51
  • Xero lists custom connection subscriptions separately, under App Store subscriptions on the same screen. To cancel one, click its name there, then Cancel subscription.48
Limits Custom connections created from 29 April 2026 use narrower “granular” permissions that don’t include journals. Older connections can keep their broad permissions until September 2027.
  • Custom connections created from 29 April 2026 use narrower “granular” permissions that don’t include journals. Older connections can keep their broad permissions until September 2027.5155
  • Xero’s API limits are 60 calls a minute and five at once, plus a daily cap of 1,000 or 5,000 calls per organisation depending on the developer tier.50
  • Xero’s developer terms forbid using data from its APIs to train, fine-tune, adapt or enhance AI models.53
  • The same terms say API data can’t be passed to another third party without the user’s consent.53
  • If you build your own app with standard Xero sign-in instead, developer tiers apply from 2 March 2026: Starter is free for up to 5 connections and Core is $35 a month (excluding tax) for up to 50.49
  • Custom connections stay on their existing commercial terms and are excluded from the new tiers.50
  • Anthropic’s listing gives the hosted Xero endpoint as https://mcp.xero.com/mcp. We found no Xero documentation for using that endpoint with other AI apps.60

AI apps listed on the Xero App Store

  • Xero’s Australian App Store has a collection called “AI apps for bills and expenses”.58
  • On 15 October 2026 it listed: BillBjorn, BookWell, DOKKA, Dext, FINNEX AI Assistant, Fresho, Pulsify, Receipt Bot, Receiptor AI, Restoke, SimpleAI Books, Synced, WellyBox, fileAI and tofu.58
  • FINNEX’s listing describes AI agents working in Excel that enter invoices and process bank transactions, among other bookkeeping jobs.58
  • SimpleAI Books’ listing describes an AI agent that reads your uploaded documents and syncs details such as contacts with Xero.58
  • Dext’s listing says receipts can be sent in by WhatsApp, among other ways.58
  • Two general automation tools also have listings on the Australian App Store. Zapier’s listing describes “Zaps” that link Xero with your other apps.74
  • Make’s listing describes it as a no-code platform for AI agents and automations that connects Xero data to the rest of your business.75
  • These descriptions are the vendors’ own listing text. Xero’s terms say it doesn’t endorse or take responsibility for third-party products.58747520
  • Xero commits to sharing your data with ecosystem partners only with your express consent.17
All the tool guides

Jobs it’s good for

  • The Monday money check. Ask JAX, Claude, ChatGPT or Copilot who owes you and how overdue they are. Then follow the link into Xero to send reminders.260657
  • Cash before a big bill. Ask for your cash position across bank accounts before you commit to a payment.60736
  • An invoice from last month’s quote. Ask JAX to create an invoice based on the last quote for that customer. Check it before it goes out.216
  • Receipts on the go. Photograph a receipt in the Xero Accounting app. Smart Document Capture reads it and you approve the details. Then accept or reject the bank match it suggests.10
  • Bank reconciliation on one tidy account. Turn on auto bank reconciliation for an account with steady transactions and good bank rules. Review the Reconciled page each week.89
  • Month-end preparation. Claude for Small Business has a Close the Month workflow that lists Xero as a connector and waits for your approval. Practices work one client organisation at a time.626334
  • Before a client meeting. In Partner Hub, ask JAX (beta) to summarise the client.14
  • Comparing with the industry. On Ultimate or Ultra, compare ratios such as debtor days with businesses like yours.391
  • ”How do I” questions. Ask JAX how to do something in Xero and get an answer from Xero’s help content.2
  • A small custom tool. Someone with programming skills can use the MCP server to create or update records in bulk, tested first on the Demo Company.5552

What to watch for

The AI sees what the login sees

  • JAX chat follows Xero’s normal roles, so people only see what they’re already allowed to see.2
  • Anthropic says Claude inherits each person’s permissions from the connected service.61
  • Microsoft says Copilot only shows data each person can already access.69
  • So the login you connect with sets the limit. An adviser’s login will expose everything that adviser can see. That’s our inference from the above.

Read-only now, actions later

  • The Claude, ChatGPT and Copilot connections are described as read-only “at launch”, which suggests write access may come.6765
  • Gemini can already issue invoices and send reminders after you confirm.36
  • The MCP server can create and update records, and delete payroll timesheets in NZ and UK organisations.55
  • Claude for Small Business lets you switch a trusted workflow from approval mode to running on its own.63

Training and who keeps what

  • Xero says JAX chat doesn’t train language models on your data.2
  • Xero says data passed to Claude, Copilot and Gemini is used only for your session and isn’t used to train their models.242636
  • Your chat history on the AI side still follows that company’s own settings. On Claude’s Free, Pro and Max plans that’s the Model Improvement setting.64 In ChatGPT it’s Improve the model for everyone.79
  • ChatGPT’s listing says ChatGPT may share relevant chats and memories with the Xero plugin.66
  • Xero itself may use anonymised data. Bank matching predictions draw on other users’ reconciliations, and benchmarks are built from anonymised, aggregated data.83920

Where your data goes

  • Xero’s AI providers (Anthropic and OpenAI) and its cloud hosts are listed as located in the United States.18
  • Xero’s privacy notice says data may be processed in Australia, New Zealand and the United States.19
  • Microsoft says queries from outside the EU may be processed in the US, the EU or other regions.69
  • We found no option to keep AI processing inside Australia.21819

Check the work

  • Xero’s terms make you responsible for checking the accuracy of information you use from Xero.20
  • Xero reports about 96% accuracy on lines it auto-reconciles, so a small share still gets corrected.8
  • Xero says document capture is most accurate on clear, standard documents, and tells you to check before records are created.10
  • Microsoft says AI responses “aren’t guaranteed to be 100% factual”.69
  • JAX’s research answers, such as minimum wage rates, draw on outside information. Check them against the official source. That’s our advice, based on what JAX says it can answer.221
  • Xero Central says JAX’s figures come from the account types in your chart of accounts. They can differ from your reports if you’ve customised report layouts or use report templates.78
  • JAX may not show your latest changes straight away. Xero Central says to refresh the data in Analytics and ask again.78

Not advice

  • Xero says the Claude connector is not a source of tax, compliance or financial advice.6
  • Xero’s terms say its information “should not be seen as a substitute for professional advice”.20

Cost surprises

  • Ignite allows 20 invoices, and invoices created by connected apps can count toward that.1
  • The AI Automate add-on for Ignite has no published price on the pages we read.9
  • Each custom connection costs $10 a month.52
  • Apps you build with standard sign-in pay developer tier fees once you pass five connections.49
  • JAX chat has no extra charge “currently”, and Xero reserves the right to change that.2
  • Claude for Small Business needs a paid Claude plan.62 The Copilot agent needs a paid Microsoft 365 Business or Enterprise account.7
  • Syft Advanced comes only with Ultra at $500 a month.1

Who can switch things on and off

  • JAX chat: Xero roles and permissions.2
  • Auto bank reconciliation: the subscriber or a user with the administrator role, for one bank account or all of them at once.44
  • Claude Team and Enterprise: Owners add connectors and can set each tool to Always allow, Needs approval or Blocked.61
  • Microsoft Copilot: admins allow or block agents in the Microsoft 365 admin center.6970
  • ChatGPT business workspaces: apps start switched on in Business, while new plugins and apps in Enterprise and Edu stay off until an admin reviews them. Admins can also disable a plugin.8167
  • Gemini for work accounts: the Google Workspace admin enables connected apps.73

Logins and AI browser agents

  • Xero’s terms say to keep your login details safe and not let anyone else use them.20
  • Xero’s developer terms ban bots and browser extensions that simulate user actions without Xero’s authorisation.53
  • Our reading: use the official connections that ask you to approve access, and don’t give an AI tool your Xero password. This isn’t legal advice.

Untrusted text

  • Anthropic’s listing warns: “Only use connectors from developers you trust.”60
  • Microsoft describes attacks where hidden instructions in content try to steer an AI, and says Copilot uses classifiers to block them.69
  • Supplier bills and emails can carry text like that. Keep a person in the loop before anything is changed. That’s our inference.

Beta features

  • JAX for practices is beta.14 Bill Protection and Cash Flow Actions were beta as of July 2026.30
  • Xero’s terms say beta services are used at your own risk.20

Two meanings of JAX

  • JAX chat only acts when someone asks it something.2
  • JAX automation, such as bank reconciliation and document capture, runs in the background once it’s on.49
  • Know which one you’ve switched on.

What’s changing

Xero’s JAX vision page carries a warning that “future product features may differ” and that Xero isn’t obliged to deliver them. Treat every “coming soon” below the same way.5

  • 4 December 2025: New Xero developer terms took effect for new developers. They ban using Xero API data to train AI models.5350
  • 2 March 2026: New developer pricing tiers took effect, and existing developers became bound by the new terms.4950
  • 29 April 2026: New custom connections switched to granular permissions without journal access. Broad permissions on older connections last until September 2027.51
  • 13 May 2026: Xero announced the Claude integration as live.24
  • 14 May 2026: XeroForce announced as an invite-only alpha, with general release “later this year”.2541
  • 1 July 2026: Xero’s Microsoft 365 integration launched. Outlook and Teams are planned “in the months ahead”.2627
  • 7 July 2026: Ultra launched in Australia. Flexible user permissions were promised “shortly after launch”.28
  • 8 July 2026 (Xerocon London): Xero announced Bill Protection (beta), Cash Flow Actions (beta) and Payment Follow Ups (coming soon). Bill Protection checks bills before payment and flags things such as changed bank details or unfamiliar suppliers.2930
  • At the same event, Xero labelled document chasing and the Partner Hub book health view “available from October”.30
  • It also said bank statement extraction and auto-created transactions are coming to Smart Document Capture.30
  • 20 August 2026 (Xerocon US): Xero named a ChatGPT integration. It said automating split payments in bank reconciliation would come “in the coming months”.33
  • 16 September 2026: The ChatGPT plugin went live and Xero joined Claude for Small Business.34
  • Xero said switching between client organisations without reconnecting is coming, along with Excel, Word, PowerPoint and Copilot Cowork support.34
  • 18 September 2026: Files was renamed Documents. Planned additions include supplier rules and a bespoke email address. Tax number validation is planned for the UK and Australia.35
  • 14 October 2026: The Gemini connected app was announced, with Gemini Tasks “coming soon”.36
  • 27 October 2026: Xero and Anthropic are co-hosting a webinar on Claude for Small Business.34
  • Naming: Microsoft 365 Copilot is now called Microsoft Copilot.69
  • Naming: Xero HQ is being folded into Xero Partner Hub.4014

What we couldn’t establish

  • Xero Central pages show no last-updated date, so the Sources table gives each article’s date from Xero Central’s sitemap.42
  • Which ChatGPT plans can use the Xero plugin, by OpenAI’s account. OpenAI’s pages say it depends on the plugin, your plan and your workspace settings, without listing plans. Xero Central asks for ChatGPT Plus, or access to ChatGPT Work, Codex or ChatGPT for Excel and Google Sheets.656746
  • Australian availability of the ChatGPT plugin, the Gemini connected app and the Copilot agent. None of the sources state regions, including Xero Central’s articles.343674647
  • Whether the Copilot agent needs a paid Microsoft Copilot licence. Xero Central says it’s available in Copilot chat on Microsoft 365 Business or Enterprise plans, and doesn’t mention a Copilot licence.477
  • Excel, Word and PowerPoint support for the Xero agent. Xero’s July release says it was there at launch, but its September blog lists them as coming soon. Xero Central’s article mentions only Copilot chat.263447
  • Gemini setup for Xero. Google’s connected-apps articles don’t name Xero yet, and Xero gave no steps. We found no Gemini article in Xero Central’s sitemap on 15 October 2026.367242
  • Whether the $8.00 AI Automate price includes GST. Xero’s pricing page gives the figure without saying, and it doesn’t use the name AI Automate.1
  • What “basic extraction” leaves out compared with full Smart Document Capture.1
  • JAX by SMS, WhatsApp or email in Australia. This was described in March 2025 but isn’t on the current Australian JAX page.222
  • Payment predictions. The September 2025 JAX release said JAX would forecast when customers will pay and send reminders based on that. We couldn’t confirm this is live in Australia.21
  • How long JAX keeps chat history, and in which country JAX processing happens. Xero Central says you can’t delete or rename JAX chats.245
  • Which models do what. The JAX FAQ names AWS, Azure, GCP and OpenAI, but the sub-processor list also includes Anthropic.218
  • Whether auto bank reconciliation is off by default. The documentation only describes turning it on per account.8
  • Who can buy a custom connection. A search-engine copy of Xero’s developer pages said users with the Standard, Advisor or Administrator role and the Connected Apps permission can buy and manage one. We couldn’t confirm this on a page we read directly.
  • The hosted endpoint mcp.xero.com. We couldn’t confirm whether Xero supports it for AI apps other than Claude, or what limits apply.60
  • AI in Xero Practice Manager. None found in the sources we read.14
  • Hubdoc’s future alongside Smart Document Capture. No retirement notice was found.59
  • Claude for Small Business in Australia. Anthropic’s announcement doesn’t say whether it’s offered here.62
  • Our search budget ran out partway through, so a few items above stayed unverified.
  • We didn’t rely on third-party claims. For example, one vendor said it found no Xero listing in ChatGPT on 7 October 2026, but Xero’s and OpenAI’s own pages say the plugin exists.

Sources

Every line above was read at one of these pages, on the date shown. Vendors change their products and their pages often, so check the page before you rely on a detail.

  1. 1 Plans to suit your business (Australia) Xero Read 15 Oct 2026
  2. 2 JAX, your AI finance partner (Just Ask Xero) Xero Read 15 Oct 2026
  3. 3 JAX, your AI finance partner (features page) Xero Read 15 Oct 2026
  4. 4 AI in accounting Xero Read 15 Oct 2026
  5. 5 JAX vision Xero Read 15 Oct 2026
  6. 6 Claude (Xero connector in Claude) Xero Read 15 Oct 2026
  7. 7 Ask Copilot About Your Xero Finance Data Xero Read 15 Oct 2026
  8. 8 Auto Bank Reconciliation Xero Read 15 Oct 2026
  9. 9 Bank reconciliation Xero Read 15 Oct 2026
  10. 10 Smart document capture (Files) Xero Read 15 Oct 2026
  11. 11 Analytics Xero Read 15 Oct 2026
  12. 12 Ultra plan Xero Read 15 Oct 2026
  13. 13 Ignite plan Xero Read 15 Oct 2026
  14. 14 Xero Partner Hub Xero Read 15 Oct 2026
  15. 15 Xero Tax Xero Read 15 Oct 2026
  16. 16 AI product philosophy Xero Read 15 Oct 2026
  17. 17 Responsible data use at Xero Xero Updated Commitments "updated in 2024" Read 15 Oct 2026
  18. 18 Xero sub-processors Xero Read 15 Oct 2026
  19. 19 Privacy notice Xero Updated Last updated 11 Feb 2025 Read 15 Oct 2026
  20. 20 Terms of use Xero Updated Last updated 3 Aug 2026 Read 15 Oct 2026
  21. 21 Xero’s AI Financial Superagent ‘JAX’ Launches Powerful New Features Xero (media release) Updated 3 Sep 2025 Read 15 Oct 2026
  22. 22 JAX beta expands Xero Blog Updated Published 11 Mar 2025; updated 24 Mar 2025 Read 15 Oct 2026
  23. 23 Xero and Anthropic Collaborate to Bring AI-Powered Financial Intelligence to Millions of Small Businesses Xero (media release) Updated 27 Mar 2026 Read 15 Oct 2026
  24. 24 Xero Delivers Claude Integration to Advance AI-Powered Financial Intelligence Xero (media release) Updated 13 May 2026 Read 15 Oct 2026
  25. 25 Xero Introduces XeroForce Xero (media release) Updated 14 May 2026 Read 15 Oct 2026
  26. 26 Xero Launches Integration with Microsoft 365 Xero (media release) Updated 1 Jul 2026 Read 15 Oct 2026
  27. 27 Xero + Microsoft 365: Real-time financial intelligence, right where you work Xero Blog Updated 2 Jul 2026 Read 15 Oct 2026
  28. 28 Xero targets Australia’s medium-sized businesses with launch of Ultra Xero (media release) Updated 7 Jul 2026 Read 15 Oct 2026
  29. 29 Xero Announces New AI Innovations at Xerocon London Xero (media release) Updated 9 Jul 2026 Read 15 Oct 2026
  30. 30 Xerocon London 2026: The Agentic Era Has Arrived for Small Business Finance Xero Blog Updated 8 Jul 2026; updated 23 Jul 2026 Read 15 Oct 2026
  31. 31 Accountable Intelligence (JAX) Xero Blog Updated 17 Mar 2026 Read 15 Oct 2026
  32. 32 What’s new in Auto Bank Reconciliation Xero Blog Updated 14 Aug 2026; updated 19 Aug 2026 Read 15 Oct 2026
  33. 33 Xero Announces New AI Innovations for Small Businesses and Accountants at Xerocon US Xero (media release) Updated 20 Aug 2026 Read 15 Oct 2026
  34. 34 Xero Wherever You Work: Real-Time Financial Intelligence in Claude for Small Business and ChatGPT Xero Blog Updated 16 Sep 2026 Read 15 Oct 2026
  35. 35 Files is now called Documents Xero Blog Updated 18 Sep 2026 Read 15 Oct 2026
  36. 36 Xero brings real-time financial intelligence to Google Gemini Xero (media release) Updated 14 Oct 2026 Read 15 Oct 2026
  37. 37 Xero to bring AI-powered data capture and extraction into platform ahead of Making Tax Digital Xero (media release) Updated 18 Feb 2026 Read 15 Oct 2026
  38. 38 Xero introduces enterprise-grade analytics Xero (media release) Updated 15 Jan 2026 Read 15 Oct 2026
  39. 39 Xero Introduces Industry Benchmarking Intelligence for Small Businesses Xero (media release) Updated 29 Jun 2026 Read 15 Oct 2026
  40. 40 Introducing Xero Partner Hub Xero Blog Updated 22 Sep 2025; updated 2 Jul 2026 Read 15 Oct 2026
  41. 41 Customizing their way: the rise of the builders Xero Blog Updated 21 Aug 2026 Read 15 Oct 2026
  42. 42 Xero Central article sitemap (titles and last-modified dates) Xero Updated Per-article dates, e.g. Claude article 22 Sep 2026 Read 15 Oct 2026
  43. 43 Connect Xero using the Xero connector in Claude Xero Central Read 15 Oct 2026
  44. 44 How to use automatic bank reconciliation (Australia and New Zealand) Xero Central Read 15 Oct 2026
  45. 45 Use JAX (BETA), Australia Xero Central Read 15 Oct 2026
  46. 46 Connect Xero to ChatGPT Xero Central Read 15 Oct 2026
  47. 47 Use the Xero agent in Microsoft 365 Copilot Xero Central Read 15 Oct 2026
  48. 48 Update, cancel, disconnect or review connected apps Xero Central Read 15 Oct 2026
  49. 49 Pricing Xero Developer Read 15 Oct 2026
  50. 50 Pricing and Policy Updates FAQs Xero Developer Read 15 Oct 2026
  51. 51 Custom Integration FAQs Xero Developer Read 15 Oct 2026
  52. 52 Xero Custom Development (Custom Connections) Xero Developer Read 15 Oct 2026
  53. 53 Developer Platform Terms and Conditions Xero Developer Updated Last updated 4 Dec 2025 Read 15 Oct 2026
  54. 54 AI Toolkit FAQs Xero Developer Read 15 Oct 2026
  55. 55 xero-mcp-server (README) Xero (XeroAPI on GitHub) Updated Last commit 5 Jun 2026 Read 15 Oct 2026
  56. 56 @xeroapi/xero-mcp-server (package record) npm registry Updated Version 0.0.17 published 26 May 2026 Read 15 Oct 2026
  57. 57 XeroAPI organisation repositories Xero (XeroAPI on GitHub) Updated Prompt Library last updated 7 Oct 2026; Agent Toolkit 8 Aug 2025 Read 15 Oct 2026
  58. 58 AI apps for bills and expenses Xero App Store AU Read 15 Oct 2026
  59. 59 Hubdoc home page Hubdoc (a Xero company) Read 15 Oct 2026
  60. 60 Xero Connector Anthropic Updated "Added April 2026" Read 15 Oct 2026
  61. 61 Use connectors to extend Claude’s capabilities Anthropic Help Center Updated "Updated over 2 weeks ago" (no date) Read 15 Oct 2026
  62. 62 Claude for Small Business launches new workflows, integrations, and training programs Anthropic Updated 15 Sep 2026 Read 15 Oct 2026
  63. 63 Small Business plugin Anthropic Read 15 Oct 2026
  64. 64 Is my data used for model training? Anthropic Privacy Center Updated Updated 16 Mar 2026 Read 15 Oct 2026
  65. 65 Xero plugin for ChatGPT OpenAI Read 15 Oct 2026
  66. 66 ChatGPT plugin listing: Xero OpenAI Read 15 Oct 2026
  67. 67 Plugins in ChatGPT OpenAI Help Center Updated "Updated: 17 hours ago" (14 Oct 2026, UTC) Read 15 Oct 2026
  68. 68 Plugins OpenAI (ChatGPT docs) Read 15 Oct 2026
  69. 69 Data, Privacy, and Security for Microsoft Copilot Microsoft Learn Updated ms.date 9 Jul 2026 Read 15 Oct 2026
  70. 70 Agent installation in Microsoft Copilot Microsoft Learn Updated ms.date 18 May 2026 Read 15 Oct 2026
  71. 71 Get more agents in the Microsoft 365 Copilot app Microsoft Support Read 15 Oct 2026
  72. 72 Use & manage Connected Apps in Gemini (computer) Google Gemini Apps Help Read 15 Oct 2026
  73. 73 Use apps connected to Gemini with a work or school Google Account Google Gemini Apps Help Read 15 Oct 2026
  74. 74 Zapier (app listing) Xero App Store AU Read 15 Oct 2026
  75. 75 Make (app listing) Xero App Store AU Read 15 Oct 2026
  76. 76 About JAX (BETA), Australia Xero Central Read 15 Oct 2026
  77. 77 About Budgets in Early access Xero Central Read 15 Oct 2026
  78. 78 How JAX uses account types to calculate financial insights Xero Central Read 15 Oct 2026
  79. 79 Connected apps in ChatGPT OpenAI Help Center Updated "Updated: 4 days ago" (11 Oct 2026, UTC) Read 15 Oct 2026
  80. 80 Connecting and managing app accounts in ChatGPT OpenAI Help Center Updated "Updated: 13 days ago" (2 Oct 2026, UTC) Read 15 Oct 2026
  81. 81 Admin controls, security, and compliance for plugins and apps OpenAI Help Center Updated "Updated: 17 hours ago" (14 Oct 2026, UTC) Read 15 Oct 2026
  82. 82 Analytics pricing plans, Australia Xero Central Read 15 Oct 2026
  83. 83 About short-term cash flow, Australia Xero Central Read 15 Oct 2026

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