What can an AI agent do with
Bank transactions and transfers?
This lets the app view and change spend money and receive money transactions, and transfers between your bank accounts, as recorded in Xero.
How to spot it
On a Xero connection or settings screen, this is accounting.banktransactions.
With it, an agent can
- Create or update spend money and receive money transactions.
- Delete spend money and receive money transactions.
- Record transfers between your bank accounts in Xero, and delete them.
- Record prepayments and overpayments.
It cannot, on its own
- Apply payments to invoices. That is accounting.payments.
What a bad day looks like
A misled agent could record spending that never happened or delete real transactions, leaving your bank reconciliation wrong.
Set it up safer
- Use accounting.banktransactions.read if it only needs to look.
- Require your approval before it creates or deletes bank transactions.
Ask the company selling the agent
- Will your agent create or delete bank transactions on its own?
- How will I know what it changed?
Source
Checked against Xero documentation on 2026-09-28. All Xero permissions →
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This page explains what a permission allows. It does not describe, test or rate any product. Permission details are summarized in our own words from the provider's documentation, linked on the page; providers change their documentation, so check the source before you rely on a detail.