CSV to QBO converter
Turn a bank CSV into a QuickBooks Web Connect (.qbo) file you can import directly. Free, no signup, and the file never leaves your browser.
Drop your .csv file here
CSVQBO or click to choose a file
100% private · never uploadedPlain comma-separated text. The universal import format for Xero, Wave, FreshBooks and QuickBooks Online.
QuickBooks Web Connect — OFX with Intuit's tags, the file QuickBooks Desktop imports directly.
Why QuickBooks will not just take your CSV
QuickBooks Desktop has no CSV bank-transaction import. It wants a Web Connect file — a .qbo — which is the OFX banking standard with a small Intuit header bolted on. Banks that stopped offering direct-connect downloads often still hand out CSV, which leaves you with a file QuickBooks refuses and a spreadsheet you would otherwise re-key by hand.
This converter reads the CSV, works out which columns are the date, the description, the amount and the running balance, and writes a valid .qbo with the Intuit block QuickBooks looks for.
Split debit and credit columns are handled
The most common way a CSV→QBO conversion goes wrong is direction. Plenty of banks print withdrawals and deposits in two separate unsigned columns, so a naive converter reads "42.00" in both and imports every withdrawal as income. Your books balance to the wrong number and you find out at reconciliation.
ConvertFin reads a Debit / Withdrawal / Money out column as negative and a Credit / Deposit / Money in column as positive. Then, where your CSV also carries a running balance, it overrides both with the sign implied by how the balance actually moved, and tells you on screen whether every row reconciles.
What the converter reads
Column names are matched, not positions, so exports from different banks work without editing the header row first. Recognised headings include:
- Date, Transaction Date, Posting Date, Posted, Value Date
- Description, Details, Narrative, Payee, Memo, Particulars, Reference
- Amount, Value — or a Debit(s) / Withdrawal(s) / Money out pair with Credit(s) / Deposit(s) / Money in
- Balance, Running Balance, Closing Balance
How to import the .qbo into QuickBooks
- Drop your CSV onto the converter above and check the preview table.
- Confirm the balance badge says the rows reconcile, then download the .qbo file.
- In QuickBooks Desktop, choose File → Utilities → Import → Web Connect Files and select the .qbo.
- Pick the account to import into, then review the transactions in the Bank Feeds centre before you accept them.
Nothing is uploaded
The file is read in this browser tab with JavaScript and converted on your machine. There is no upload, no queue, no server-side copy and no account to create. A transaction export carries your account number, your salary and everyone you pay — the safest converter is the one that never receives the file at all.
You can verify it: open your browser devtools, switch to the Network tab, and convert a file. Your file is not among the requests — the only traffic is an anonymous analytics ping that records that a conversion happened, never what was in it.
Starting from a PDF statement instead of a file? The PDF bank statement converter reads the statement itself and exports QBO directly, so you do not need a CSV in the middle. Both tools run in the same tab, and neither uploads anything — here is how that works.
CSV to QBO, answered
Is this CSV to QBO converter free?
Yes. Converting a CSV to QBO is free with no signup and no watermark. The conversion happens in your browser, so there is no per-file server cost to pass on.
What is the difference between QBO, OFX and QFX?
They are the same standard in three wrappers. OFX is the open base format. QBO adds an Intuit block so QuickBooks accepts it as a Web Connect file. QFX is the Quicken flavour, which additionally expects a paid Intuit branding identifier. We write QBO and OFX; for Quicken, use the QIF export instead.
QuickBooks says the file is not a valid Web Connect file.
Three usual causes. First, the file was renamed rather than converted — a .csv renamed to .qbo is still CSV. Second, QuickBooks Desktop expects the account you import into to be a bank or credit-card account; importing into an income or expense account fails. Third, some QuickBooks versions insist on a file issued by a bank Intuit recognises. Re-download from the converter above and import via File → Utilities → Import → Web Connect Files; if your version still refuses it, use the CSV upload in QuickBooks Online, or the IIF route for Desktop.
Which bank will QuickBooks say the file came from?
It will show a generic institution rather than your bank. A Web Connect file identifies its bank with an Intuit-issued institution id, and those are only given to financial institutions, so no third-party converter can put your real bank in the file. The transactions, dates and amounts are unaffected.
Will my debits import as negative?
Yes. A debit or withdrawal column is written as a negative amount, and where your CSV includes a running balance we take the sign from how the balance moved, which is the only source that cannot be misread.
Does my CSV get uploaded?
No. The file is parsed and converted entirely in your browser. Nothing is sent to a server and nothing is stored.
My bank only gives me a PDF, not a CSV.
Use the PDF converter instead — it reads a PDF bank statement in your browser and exports CSV, Excel, OFX or QIF directly, so you do not need a CSV in the middle.
Every format pair we convert
The same private, in-browser conversion for each one.