Convert CSV to QBO
Drop in a bank statement CSV and get a .qbo file back, with a balance check that proves nothing was dropped.
- US, UK and EU layouts read without configuration — one amount column or split debit/credit
- Nothing is uploaded. The file is read in this browser tab and never stored
- No account and no card, with no limit on CSV conversions
No sign-up needed. Files never leave your browser.
QBO is the Web Connect format: an OFX 1.0.2 document carrying an Intuit institution identifier. Banks that offer a direct download hand you one of these; banks that only offer CSV leave you to bridge the gap yourself.
This page does that bridging without an upload. Your statement is read in the browser, parsed, and written back out as a .qbo file. It never crosses the network, which matters when the statement belongs to a client rather than to you.
Column layouts vary between banks, so nothing needs configuring. A single amount column works, and so does a split debit/credit layout. Junk rows above the real header are skipped automatically, as are totals rows at the bottom.
A converter that tells you when it missed something.
Most tools hand you a file and let you find out in your ledger. Every conversion here is reconciled against the closing figure first — read from your statement’s balance column when it has one, or typed in from the page when it doesn’t.
When the totals don’t meet you get the exact size of the gap, every row that did read, and the converted file anyway.
Sample balance check
A transaction may be missing — review the rows below, or re-upload including all pages.
A sample result. This is the same component the converter uses.
Client statements never leave the tab
Conversion runs in your browser, in JavaScript on this page.
Closing the tab discards the file and everything read out of it. There is nothing to delete later and nothing to breach.
There is no upload step to decline, because there is no upload. Open your browser's network tab and convert — you will see no request carrying your data.
Once this page has loaded, conversion runs with no connection at all. Useful on a client site with locked-down wifi, and a plain demonstration that the file stays put.
Questions people actually ask
- What is a QBO file?
- A .qbo file is an OFX 1.0.2 SGML document with an Intuit institution identifier attached. It carries a list of transactions with a date, an amount, a description and a unique transaction id apiece, plus a statement period and a ledger balance.
- What are FITIDs and why do they matter?
- A FITID is the unique id on each transaction. Importers use it to recognise transactions they have already seen. If two genuine transactions share an id — two identical charges on the same day, for instance — one of them can be treated as a duplicate and silently dropped. This converter gives every row a distinct id, including same-day duplicates.
- Does my statement get uploaded anywhere?
- No. The conversion runs inside your browser using JavaScript on this page. The file is read from your disk into memory, converted, and offered back as a download. Nothing is sent to a server, so there is nothing for us to store, log or delete. You can confirm this by opening your browser's network tab while you convert.
- Do I need an account?
- No. There is no sign-up, no email capture and no usage limit on CSV conversion.
- How do I know every transaction came through?
- Every conversion shows a balance check above the results. If your file has a running balance column, the opening and closing balances are read from it automatically; otherwise you can type them in from your statement. The check adds up every converted transaction and compares the result to the closing balance, and tells you the exact amount of any difference.
- My dates came out wrong. What happened?
- A date like 05/01/2026 is ambiguous: 5 January in the UK and most of Europe, 1 May in the US. Turn on the day-first option and the file is re-read immediately. If your statement contains a date that can only be day-first, such as 19/02, the converter points this out before you download.
- Some rows were skipped. Is that a problem?
- Usually not. Totals rows, page footers, repeated column headings and blank lines carry no transaction date, so they are left out and counted. The skipped count is shown with the results so you can check it against what you expected.
Try it on the statement that’s annoying you right now.
No account, no card, no limit. If the layout isn’t recognised you will know immediately, rather than after a support ticket.