QFXtoQBO.
YOUR BOOKS. YOUR DATA.

CSV to QBO
converter.

Turn your bank transactions into a file for QuickBooks Desktop. Choose your CSV, check the preview, then follow the import steps.

No sign-up or subscription Automatic transaction preview Your bank file stays on your device
See an example first

Built for the careful part
of getting the books done.

USD · CHECKING · SAVINGS · CREDIT CARDS
QFX to QBO CSV to QBO Local
01 / SELECT YOUR FILE5 free exports / month · No sign-up

For QuickBooks Desktop. Using Online?

Your bank file stays on your device. Nothing is uploaded.

Choose your CSV file

Drop it here or select it from your computer.

CSV or delimited TXT · Up to 2 MB / 10,000 transactions
PDF and Excel workbooks are not supported.
Only have a CSV? What you’ll need to finish

Preview your transactions for free. To finish a Desktop import, you’ll also need the ending balance and date from your statement, plus your bank’s import details. We can read those details from an older QBO, QFX or OFX for the same account.

Missing bank details? See your options. QuickBooks acceptance depends on your bank and edition.

See example files & results
Paste file contents instead
Your financial file stays in this browser. No uploads. No AI processing.

Keep your current file?

Leaving or starting over will clear this file and its settings. Nothing has been uploaded or saved online.
Local by designFiles stay in browser memory
Review before exportSee every transaction and total
Made for real statementsClear errors, no silent row skipping
FILES FROM OUR IMPORT TESTS

See the statement.
See the converted file.

Open the files we used, compare the transactions, and see what happened in QuickBooks. Viewing and downloading examples uses no exports.

Original one-page sample checking statement: eight August 2026 transactions, opening balance $1,000 and closing balance $2,330.16
Open the full statement PDFReference document only. The converter takes QFX or CSV, not PDF.
CHECKING ACCOUNT QFX / CSV → QBO

One month of transactions,
carried across intact.

This sample statement contains eight August transactions. Both the QFX and CSV routes kept all eight dates, amounts and transaction IDs.

Transactions
8
Money in
$2,050.00
Money out
$719.84
  • All eight dates and amounts checked in QuickBooks.
  • “Café & stationery” retained its accent.
  • Both $15 purchases retained as separate transactions.
  • Re-importing each tested QBO added no new transactions.
Source QFXSource CSV

The PDF is the visual reference. The downloads above are the actual input files; the results include the tested QBO downloads.

CREDIT CARD QBO IMPORT CHECK

Two purchases.
One refund. Correct signs.

The same three transactions used in our credit card test. QuickBooks showed the purchases as charges and the refund as a payment.

Net change -$39.49

QFXtoQBO-CARD-V2-20260922.qbo
DateDescriptionTransaction IDAmount (USD)
2026-08-05QA office suppliesQA-CARD-001-$42.00
2026-08-06QA purchase refundQA-CARD-002$12.50
2026-08-07QA software subscriptionQA-CARD-003-$9.99

The $9.99 charge was added to the test register. Re-importing this file added no new transactions.

These are sample financial records used to test the product, not customer statements. Results describe this test setup; they do not promise compatibility with every bank or QuickBooks edition. See the tested scope.

CHECKING STATEMENT · AUGUST 2026

Source files → converted QBO

Inspect the complete conversion without opening or changing your converter.

01 · SOURCE FILES View the reference statement (PDF)
Download QFXDownload CSV

The PDF and both source files describe the same eight transactions.

02 · TESTED OUTPUT FILES
QFX result (.qbo)CSV result (.qbo)

These are the preserved files read by QuickBooks in our test. Downloads are free and do not use your allowance.

Every transaction in the converted file

DateDescriptionTransaction IDAmount (USD)
2026-08-01Client invoice AT001$1,250.00
2026-08-03Office rentT002-$600.00
2026-08-04Coffee, suppliesT003-$12.35
2026-08-10Software subscriptionT004-$29.99
2026-08-15Client invoice BT005$800.00
2026-08-20Café & stationeryT006-$47.50
2026-08-21Identical purchaseT007-$15.00
2026-08-21Identical purchaseT008-$15.00
Transactions
8
Money in
$2,050.00
Money out
$719.84
Statement closing balance: $2,330.16

Opening balance $1,000.00 + net change $1,330.16. The closing balance is not the same as the change during the month.

03 · QUICKBOOKS IMPORT RESULT

Eight transactions read on each route.

Dates, amounts and the accented description were checked in the review list. Two identical-looking $15 purchases remained separate. Re-importing the same file returned “There are no new transactions available.”

This check covers file import and transaction review. The checking transactions remained in the review list; full reconciliation was not part of the test.

Settings used for this example
Account / currency
Checking / USD
CSV columns
Date → Date; Description → Description; Amount → Signed amount; Transaction ID → Transaction ID
CSV format
Comma, header row, YYYY-MM-DD dates, signs unchanged
Closing balance / date
$2,330.16 / August 31, 2026

Separate sample account identifiers isolated the QFX and CSV import checks. The QFX retest output uses a different sample account ID from the original source; the transactions are unchanged. Institution fields in these files are for this test setup, not defaults for your bank.

Inspect source CSVsynthetic-transactions.csv
Date,Description,Amount,Transaction ID
2026-08-01,Client invoice A,1250.00,T001
2026-08-03,Office rent,-600.00,T002
2026-08-04,"Coffee, supplies",-12.35,T003
2026-08-10,Software subscription,-29.99,T004
2026-08-15,Client invoice B,800.00,T005
2026-08-20,Café & stationery,-47.50,T006
2026-08-21,Identical purchase,-15.00,T007
2026-08-21,Identical purchase,-15.00,T008
Inspect QFX-route QBOQFXtoQBO-LOCALE-RETEST-20260922.qbo
OFXHEADER:100
DATA:OFXSGML
VERSION:102
SECURITY:NONE
ENCODING:USASCII
CHARSET:1252
COMPRESSION:NONE
OLDFILEUID:NONE
NEWFILEUID:NONE

<OFX>
<SIGNONMSGSRSV1>
<SONRS>
<STATUS>
<CODE>0
<SEVERITY>INFO
</STATUS>
<DTSERVER>20260821120000
<LANGUAGE>ENG
<FI>
<ORG>Wells Fargo
<FID>3000
</FI>
<INTU.BID>3000
</SONRS>
</SIGNONMSGSRSV1>
<BANKMSGSRSV1>
<STMTTRNRS>
<TRNUID>1
<STATUS>
<CODE>0
<SEVERITY>INFO
</STATUS>
<STMTRS>
<CURDEF>USD
<BANKACCTFROM>
<BANKID>121042882
<ACCTID>QFQ-LOCALE-20260922
<ACCTTYPE>CHECKING
</BANKACCTFROM>
<BANKTRANLIST>
<DTSTART>20260801000000
<DTEND>20260821235959
<STMTTRN>
<TRNTYPE>CREDIT
<DTPOSTED>20260801120000
<TRNAMT>1250.00
<FITID>T001
<NAME>Client invoice A
<MEMO>SYNTHETIC TEST DATA - NO REAL BANK ACCOUNT
</STMTTRN>
<STMTTRN>
<TRNTYPE>DEBIT
<DTPOSTED>20260803120000
<TRNAMT>-600.00
<FITID>T002
<NAME>Office rent
<MEMO>SYNTHETIC TEST DATA - NO REAL BANK ACCOUNT
</STMTTRN>
<STMTTRN>
<TRNTYPE>DEBIT
<DTPOSTED>20260804120000
<TRNAMT>-12.35
<FITID>T003
<NAME>Coffee, supplies
<MEMO>SYNTHETIC TEST DATA - NO REAL BANK ACCOUNT
</STMTTRN>
<STMTTRN>
<TRNTYPE>DEBIT
<DTPOSTED>20260810120000
<TRNAMT>-29.99
<FITID>T004
<NAME>Software subscription
<MEMO>SYNTHETIC TEST DATA - NO REAL BANK ACCOUNT
</STMTTRN>
<STMTTRN>
<TRNTYPE>CREDIT
<DTPOSTED>20260815120000
<TRNAMT>800.00
<FITID>T005
<NAME>Client invoice B
<MEMO>SYNTHETIC TEST DATA - NO REAL BANK ACCOUNT
</STMTTRN>
<STMTTRN>
<TRNTYPE>DEBIT
<DTPOSTED>20260820120000
<TRNAMT>-47.50
<FITID>T006
<NAME>Café &amp; stationery
<MEMO>SYNTHETIC TEST DATA - NO REAL BANK ACCOUNT
</STMTTRN>
<STMTTRN>
<TRNTYPE>DEBIT
<DTPOSTED>20260821120000
<TRNAMT>-15.00
<FITID>T007
<NAME>Identical purchase
<MEMO>SYNTHETIC TEST DATA - NO REAL BANK ACCOUNT
</STMTTRN>
<STMTTRN>
<TRNTYPE>DEBIT
<DTPOSTED>20260821120000
<TRNAMT>-15.00
<FITID>T008
<NAME>Identical purchase
<MEMO>SYNTHETIC TEST DATA - NO REAL BANK ACCOUNT
</STMTTRN>
</BANKTRANLIST>
<LEDGERBAL>
<BALAMT>2330.16
<DTASOF>20260831235959
</LEDGERBAL>
</STMTRS>
</STMTTRNRS>
</BANKMSGSRSV1>
</OFX>
Inspect CSV-route QBOQFXtoQBO-CSV-V2-20260922.qbo
OFXHEADER:100
DATA:OFXSGML
VERSION:102
SECURITY:NONE
ENCODING:USASCII
CHARSET:1252
COMPRESSION:NONE
OLDFILEUID:NONE
NEWFILEUID:NONE

<OFX>
<SIGNONMSGSRSV1>
<SONRS>
<STATUS>
<CODE>0
<SEVERITY>INFO
</STATUS>
<DTSERVER>20260821120000
<LANGUAGE>ENG
<FI>
<ORG>Wells Fargo
<FID>3000
</FI>
<INTU.BID>3000
</SONRS>
</SIGNONMSGSRSV1>
<BANKMSGSRSV1>
<STMTTRNRS>
<TRNUID>1
<STATUS>
<CODE>0
<SEVERITY>INFO
</STATUS>
<STMTRS>
<CURDEF>USD
<BANKACCTFROM>
<BANKID>121042882
<ACCTID>QFQ-CSV-V2-20260922
<ACCTTYPE>CHECKING
</BANKACCTFROM>
<BANKTRANLIST>
<DTSTART>20260801000000
<DTEND>20260821235959
<STMTTRN>
<TRNTYPE>CREDIT
<DTPOSTED>20260801120000
<TRNAMT>1250.00
<FITID>T001
<NAME>Client invoice A
</STMTTRN>
<STMTTRN>
<TRNTYPE>DEBIT
<DTPOSTED>20260803120000
<TRNAMT>-600.00
<FITID>T002
<NAME>Office rent
</STMTTRN>
<STMTTRN>
<TRNTYPE>DEBIT
<DTPOSTED>20260804120000
<TRNAMT>-12.35
<FITID>T003
<NAME>Coffee, supplies
</STMTTRN>
<STMTTRN>
<TRNTYPE>DEBIT
<DTPOSTED>20260810120000
<TRNAMT>-29.99
<FITID>T004
<NAME>Software subscription
</STMTTRN>
<STMTTRN>
<TRNTYPE>CREDIT
<DTPOSTED>20260815120000
<TRNAMT>800.00
<FITID>T005
<NAME>Client invoice B
</STMTTRN>
<STMTTRN>
<TRNTYPE>DEBIT
<DTPOSTED>20260820120000
<TRNAMT>-47.50
<FITID>T006
<NAME>Café &amp; stationery
</STMTTRN>
<STMTTRN>
<TRNTYPE>DEBIT
<DTPOSTED>20260821120000
<TRNAMT>-15.00
<FITID>T007
<NAME>Identical purchase
</STMTTRN>
<STMTTRN>
<TRNTYPE>DEBIT
<DTPOSTED>20260821120000
<TRNAMT>-15.00
<FITID>T008
<NAME>Identical purchase
</STMTTRN>
</BANKTRANLIST>
<LEDGERBAL>
<BALAMT>2330.16
<DTASOF>20260831235959
</LEDGERBAL>
</STMTRS>
</STMTTRNRS>
</BANKMSGSRSV1>
</OFX>

Checked September 23, 2026 in QuickBooks Enterprise 24.0 Trial on Windows 11, using a separate sample company. Files contain simulated transactions and institution details. Use these downloads for inspection or a separate test company, never as your own bank statement.
CREDIT CARD · AUGUST 2026

The actual credit card test file

Read the transactions below or download the preserved QBO used in the import check.

DateDescriptionTransaction IDAmount (USD)
2026-08-05QA office suppliesQA-CARD-001-$42.00
2026-08-06QA purchase refundQA-CARD-002$12.50
2026-08-07QA software subscriptionQA-CARD-003-$9.99
Transactions
3
Money in
$12.50
Money out
$51.99
Net change and closing balance: −$39.49

In this sample, the opening balance is zero. Purchases are −$42.00 and −$9.99; the refund is +$12.50.

Download tested QBO
QUICKBOOKS IMPORT RESULT

Three transactions read. One charge posted.

QuickBooks displayed $42.00 and $9.99 as charges, and $12.50 as a payment. The $9.99 software charge was added to the test register; two transactions remained for review.

Re-importing the same QBO returned “There are no new transactions available.” The test confirmed the file could be read and a transaction could be posted; it did not validate the suggested bookkeeping categories.

Inspect the tested QBOQFXtoQBO-CARD-V2-20260922.qbo
OFXHEADER:100
DATA:OFXSGML
VERSION:102
SECURITY:NONE
ENCODING:USASCII
CHARSET:1252
COMPRESSION:NONE
OLDFILEUID:NONE
NEWFILEUID:NONE

<OFX>
<SIGNONMSGSRSV1>
<SONRS>
<STATUS>
<CODE>0
<SEVERITY>INFO
</STATUS>
<DTSERVER>20260807120000
<LANGUAGE>ENG
<FI>
<ORG>Wells Fargo
<FID>3000
</FI>
<INTU.BID>3000
</SONRS>
</SIGNONMSGSRSV1>
<CREDITCARDMSGSRSV1>
<CCSTMTTRNRS>
<TRNUID>1
<STATUS>
<CODE>0
<SEVERITY>INFO
</STATUS>
<CCSTMTRS>
<CURDEF>USD
<CCACCTFROM>
<ACCTID>QFQ-CARD-V2-20260922
</CCACCTFROM>
<BANKTRANLIST>
<DTSTART>20260805000000
<DTEND>20260807235959
<STMTTRN>
<TRNTYPE>DEBIT
<DTPOSTED>20260805120000
<TRNAMT>-42.00
<FITID>QA-CARD-001
<NAME>QA office supplies
<MEMO>SYNTHETIC TEST DATA - NO REAL BANK ACCOUNT
</STMTTRN>
<STMTTRN>
<TRNTYPE>CREDIT
<DTPOSTED>20260806120000
<TRNAMT>12.50
<FITID>QA-CARD-002
<NAME>QA purchase refund
<MEMO>SYNTHETIC TEST DATA - NO REAL BANK ACCOUNT
</STMTTRN>
<STMTTRN>
<TRNTYPE>DEBIT
<DTPOSTED>20260807120000
<TRNAMT>-9.99
<FITID>QA-CARD-003
<NAME>QA software subscription
<MEMO>SYNTHETIC TEST DATA - NO REAL BANK ACCOUNT
</STMTTRN>
</BANKTRANLIST>
<LEDGERBAL>
<BALAMT>-39.49
<DTASOF>20260831235959
</LEDGERBAL>
</CCSTMTRS>
</CCSTMTTRNRS>
</CREDITCARDMSGSRSV1>
</OFX>

Checked September 23, 2026 in QuickBooks Enterprise 24.0 Trial on Windows 11, using a separate sample company. Files contain simulated transactions and institution details. Use these downloads for inspection or a separate test company, never as your own bank statement.

A SHORT PATH TO YOUR BOOKS

Three steps. Nothing hidden.

Keep control of the details
that matter to your accounts.

01

Bring your bank export.

Choose your CSV to see the transactions. If a column is unclear, we’ll ask you to match it using examples from your file.

02

Make the numbers add up.

Check the preview, dates and totals. Confirm your account details and statement closing balance before exporting.

03

Download. Import. Reconcile.

Get your .qbo file, then import it into a supported QuickBooks edition. Match the imported numbers to your statement.

YOU CONTROL THE DETAILS

What can I adjust?

Start with the values in your file. Change a setting only when your statement tells you to.

Columns, dates & amount signs

Match each CSV column to its job. Choose commas, semicolons or tabs; select the date order; use a signed amount or separate debit and credit columns.

Example: 04/05/2026 is April 5 with MM/DD and May 4 with DD/MM. Negative amounts mean money out or a card purchase.

Read the column guide
Account & statement balance

Choose checking, savings or credit card. Keep the same account identifier for repeated exports to the same account.

Closing balance is what your statement says on its closing date. If you started with $1,000 and gained $624.50, enter $1,624.50—not $624.50. Credit card amounts owed are normally negative in OFX.

Bank identifiers & reference files

ORG, FID and INTU.BID identify your financial institution. They are not your bank username or password. Checking and savings also need a 9-digit US bank routing identifier.

Shortcut: copy institution details from a QBO file that already imports into QuickBooks. This reads the file locally; it does not replace your transactions or closing balance.

Where to find bank details
Checks before the final download

Compare dates, transaction count, money in and money out with your statement. Confirm the account type and closing balance. Preview and validation errors never use an export.

Back up your QuickBooks company file, import a small date range first, and check the imported totals. A download alone does not confirm a successful import.

See the import steps
THE DETAILS ARE THE PRODUCT

Small file.
Important numbers.

A conversion should make your next step easier. It should also make it clear when something needs a closer look.

See the supported formats

Your file stays with you.

No bank login, cloud upload or AI service between your statement and your download.

Amounts with care.

Exact cent-based arithmetic, explicit amount directions and a full transaction preview.

Transaction identity matters.

Preserve source IDs when available. Keep two real, identical-looking purchases as two transactions.

Useful checks, clear limits.

Missing fields and unsupported accounts stop the export. No quiet guessing to produce a file.

BEFORE YOU START

QuickBooks Desktop or Online?

They share a name, but their import workflows are different. A .qbo file is a Web Connect file; it is not a QuickBooks company backup.

DESKTOP

Need a Web Connect file?

Use a supported edition with banking services and valid institution details. Back up your company file first.

Follow the import guide
ONLINE

Your original file may be enough.

QuickBooks Online also accepts CSV and QFX uploads. Check its native upload before adding a conversion step.

Check your import options
A FEW GOOD QUESTIONS

Know before
you convert.

Need a hand with a file?
We’re here to help.

What CSV layouts can I convert?

Use a header row or a headerless file, separated by commas, semicolons or tabs. Map a date and description plus either one signed amount column or separate debit and credit columns. Recognized columns go straight to a preview. If dates could mean two different things, confirm which date matches your statement.

How are duplicate transactions handled?

If your CSV has a transaction ID column, map it to preserve the bank’s identifiers. Repeated IDs block export. Without IDs, we generate stable identifiers from account and transaction details. Identical-looking purchases remain separate; review overlapping downloads before importing.

Is this converter free?

Yes. Guest includes 5 complete QBO exports per calendar month without signing up. A free account includes 20. High-volume users can choose the optional $9, 30-day Pro pass when checkout is available; see pricing. Every plan supports files up to 2 MB and 10,000 transactions.

Does my financial data leave my computer?

The converter reads and processes file contents in browser memory. We do not upload those contents, use them to train AI, or save them in a database. Hosting providers still receive normal web requests when you load the website.

Does this work with QuickBooks Online?

QuickBooks Online can accept CSV, QFX and QBO files directly. Try its native upload first if your file is already supported. This converter is most useful when you specifically need a Web Connect .qbo file, especially for a supported QuickBooks Desktop edition.

Why does the bank identifier matter?

QuickBooks Desktop can reject a file if its Intuit Bank ID is missing, outdated or not supported for Web Connect. Use the identifiers from a working QBO download for your actual bank. We do not substitute another bank’s identity.

What is checked before I download?

We validate file structure, required fields, dates and amounts before creating your QBO file. We also check the generated file against the preview. QuickBooks import acceptance depends on your bank identifiers and supported edition. Try a free export with a small date range first; see our Desktop test results and compatibility details.

HAVE A QUICKEN DOWNLOAD?

QFX file? We handle that, too.

QFX to QBO

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