Unless your bank has a direct feed with Xero, you will be dependent on Xero's partner Yodlee for your bank feed. The bank feed function is unstable and not reliable. You will need to refresh the bank feed many times throughout the month and then you will be subject to many instances of gaps in data, duplicate bank records and worst of the all phantom transactions. If bank feeds are high on your must have list for accounting software, then steer clear of Xero...