Free tool
OFX, QFX and QBO to CSV converter
Open a bank or credit card OFX, QFX or QBO file as a CSV spreadsheet. It runs in your browser, reads both the old SGML and the newer XML versions, and shows the totals before you download.
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Convert an OFX, QFX or QBO file to CSV
Runs entirely in your browser. Your file is never uploaded.
1. Load your file
Or paste the file text
2. Review and download
What this converter does
Banks offer a download for accounting software, usually named Quicken (.qfx), QuickBooks (.qbo) or Open Financial Exchange (.ofx). All three are the same family of format. The files are plain text, but they are hard to read by eye and a spreadsheet will not open them as a table. This tool reads the file and writes a CSV with one row per transaction:
| Column | What it holds |
|---|---|
| Date | The posting date, as YYYY-MM-DD |
| Amount | Negative for money out, positive for money in (or two columns, Money in and Money out, if you choose that) |
| Type | The bank's transaction type, such as DEBIT, CREDIT, CHECK, INT or FEE |
| Name | The payee or description |
| Memo | The bank's extra text, when it has any |
| Check number | When the transaction is a check |
| Transaction ID | The bank's unique ID for the row (FITID) |
Your file never leaves your browser. Once the page has loaded, it works with the network off. It is the reverse of the CSV to QBO converter.
Which files it reads
- OFX 1.x (SGML). Older files, including most
.qboand.qfxdownloads. Tags are not closed, and the file opens with a short plain-text header. - OFX 2.x (XML). Well-formed XML. Same fields.
- Bank and credit card statements. Checking, savings, money market, credit line and card accounts. A file with several accounts is listed account by account, and you can put all of them in one CSV (with a masked account column) or export one.
It does not read investment statements (INVSTMTRS). If a file has both, the investment part is ignored and you are told so.
How it treats the details
- Dates. OFX dates look like
20260130120000.000[-5:EST]. Only the date is kept. The time and zone are dropped, because banks use them inconsistently and a statement is read by day. - Amounts. Parsed to whole cents, so totals add up exactly. A few banks write a decimal comma, which is handled.
- Rows that cannot be read. A transaction with no valid date or amount is skipped and listed as a warning rather than guessed.
- Repeated transaction IDs. A bank should never reuse an ID inside one file. If one does, you get a warning, because QuickBooks and Quicken can silently drop the repeats when importing.
- Spreadsheet safety. A payee that starts with
=,+,-or@can be run as a formula by Excel. The converter puts a leading apostrophe on those cells so they stay text. - Account numbers. Shown masked (last four digits) in the on-screen list and in the optional account column of the CSV.
- Order. Rows are sorted oldest first, whatever the order in the file.
Limits
- The totals are what the file says. The converter checks the file against itself (it parses cleanly, IDs are unique) and shows money in and out. It cannot check the file against your bank. Compare the totals with the statement.
- Balances. The ending ledger balance is shown when the file has one. It is not added to the CSV, because a single balance does not belong on every row.
- Pending items. Some banks include pending transactions in a download. OFX does not mark them reliably, so review the newest rows.
- Not tested against every bank. It follows the OFX specification and the file styles tested in the project's automated tests, which use hand-written sample files. Banks differ. If a file does not parse, the message names the problem.
If you only have a PDF
OFX files come from a bank's download button. If your bank offers only PDFs, use the statement PDF to CSV tool, which checks every row against the running balance. For scanned statements, a service with OCR is the practical route. DocuClipper is built for bank statements and exports to CSV and QBO. Try the free tools on a few statements first. Paid converters make mistakes too, and the method explains how StatementBench measures them.
If the CSV is headed for bookkeeping, a QuickBooks Online bank feed beats any file workflow for ongoing activity. Use files for the gaps.
Also available as Markdown.