Personal Finance Format Converters
Convert bank statements and transaction exports between CSV and the formats used by QuickBooks, Quicken, YNAB, and Xero — QBO, QFX, QIF, and OFX. Every converter runs entirely in your browser: your financial data is never uploaded anywhere, which matters more here than for any other kind of file.
Which format does your app need?
| App | Accepted import formats | Convert with |
|---|---|---|
| QuickBooks Online | QBO (Web Connect) | CSV to QBO converter |
| QuickBooks Desktop | QBO, IIF | CSV to QBO converter (CSV to IIF coming soon) |
| Quicken | QFX (Web Connect), QIF (older versions) | CSV to QFX converter, CSV to QIF converter |
| YNAB | CSV (YNAB's column layout) | CSV to YNAB converter |
| Xero | CSV (Xero's bank statement layout) | CSV to Xero converter |
| Most other apps | OFX (open standard) | CSV to OFX converter |
Quicken cannot import CSV files directly. To import transactions from a CSV bank statement, convert it to QFX (Quicken 2014 and newer) or QIF (older versions) first, then use File → Import in Quicken.
QuickBooks Online uploads bank transactions most reliably as QBO (Web Connect) files. Its CSV importer exists but only accepts simple 3- or 4-column layouts — converting CSV to QBO skips the column-mapping headaches. QuickBooks Desktop also accepts IIF files for lists and transactions.
YNAB and Xero both import CSV, but each expects its own specific column layout. The converters above reformat any bank export to match.
Anything else: check whether your app accepts OFX. Open Financial Exchange is the vendor-neutral standard that most finance software supports, and the format QBO and QFX are both built on.
What are these file formats?
What is a QBO file?
A QBO file is a Web Connect file — the format QuickBooks uses to receive bank transactions. It's based on the OFX standard with QuickBooks-specific extensions, and it's what QuickBooks expects when you upload a bank statement manually. You can't open a QBO file in a spreadsheet directly: use the QBO to CSV converter first, then open the result in Excel.
What is a QFX file?
A QFX file is Quicken's Web Connect format — Quicken's flavor of the same OFX standard, with a few Quicken-specific fields. Banks usually label it "Download for Quicken." To view its transactions in a spreadsheet, run it through the QFX to CSV converter.
What is an OFX file?
OFX (Open Financial Exchange) is the vendor-neutral standard for exchanging bank and credit card transactions, and the format both QBO and QFX are derived from. To open an OFX file in Excel, convert it to CSV with the OFX to CSV converter and open the resulting file in Excel or any spreadsheet app.
What is a QIF file?
QIF (Quicken Interchange Format) is Quicken's legacy plain-text format, replaced by QFX in Quicken 2014. It's still the required format for older Quicken versions and some other finance apps. Convert with the QIF to CSV converter or the CSV to QIF converter.
What is an IIF file?
An IIF file is QuickBooks Desktop's tab-delimited import format for lists and transactions. Unlike QBO files, IIF imports bypass the bank-feed review process entirely, which makes the format popular for bulk imports. IIF converters aren't available here yet — they're on the roadmap.
Conversion matrix
Find your source format on the left and your target format across the top.
| From \ To | CSV | QBO | QFX | OFX | QIF |
|---|---|---|---|---|---|
| CSV | — | CSV to QBO | CSV to QFX | CSV to OFX | CSV to QIF |
| QBO | QBO to CSV | — | QBO to QFX | QBO to OFX | QBO to QIF |
| QFX | QFX to CSV | QFX to QBO | — | QFX to OFX | QFX to QIF |
| OFX | OFX to CSV | OFX to QBO | OFX to QFX | — | OFX to QIF |
| QIF | QIF to CSV | QIF to QBO | QIF to QFX | QIF to OFX | — |
Converting bank statements
Most banks let you download statements as CSV even when they don't offer Quicken or QuickBooks downloads directly. That makes CSV the universal middle step — to convert a bank statement to QBO, QFX, OFX, or QIF:
- Step 1 Download the statement from your bank's website as CSV (sometimes labeled "Excel" or "spreadsheet").
- Step 2 Clean it up if needed — filter rows to a date range or remove columns your finance app doesn't use.
- Step 3 Convert it to your target format: CSV to QBO for QuickBooks, CSV to QFX for Quicken, CSV to OFX for most other apps, or CSV to QIF for older software.