Convert QBO to IIF
Drop in a .qbo file and get an .iif back, with a balance check that proves nothing was dropped.
No sign-up needed. Files never leave your browser.
- .ofx, .qfx and .qbo are the same document, so drop in whichever one you were given
- Nothing is uploaded. The file is read in this browser tab and never stored
- No account and no card, with no limit on conversions
Both of these formats belong to the QuickBooks world and they describe entirely different things. A .qbo is a bank statement: a list of transactions, a period and a closing balance. An .iif is bookkeeping: tab-delimited entries that have to say which account each side of a transaction touches.
That makes this a translation rather than a rewrite, and the translation adds something the source never said. Every transaction read out of the .qbo becomes a TRNS line against your bank account, plus a balancing SPL line against an offset account. A one-sided entry is not something the format can express.
Money in is routed to an income offset and money out to an expense offset. Both are placeholders, named plainly so they are easy to find and recategorise afterwards rather than quietly plausible.
New to these formats? Read what a QBO file is and what an IIF file is. They cover what each one holds, and what neither can tell you.
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. That figure is read from your statement’s balance column, or typed in from the page when there isn’t one.
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. It also proves the file stays put.
Questions people actually ask
What accounts does the IIF file use?
Transactions are written against an account named Checking, with offsets named Uncategorized Income and Uncategorized Expense. These are placeholders meant to be recategorised afterwards, and none of them is guessed from your data.
Why does the output have twice as many lines as my statement?
Because IIF is double-entry and a bank statement is not. Each transaction becomes a TRNS line and a matching SPL line carrying the same amount with the sign flipped, followed by a terminator. The pair sums to zero, which is what makes it a valid bookkeeping entry rather than a list.
Is a .qbo different from a .qfx or an .ofx?
Not in substance. All three are OFX documents carrying the same transaction list. The extension records which product the file was made for. On top of that, .qbo and .qfx carry an Intuit institution identifier. The converter reads whichever you have and does not care what it is named.
Where does the balance check get its figures?
From the file. An OFX document states its own closing balance in a LEDGERBAL element. That figure is read directly, and the opening balance is whatever it implies given the transactions. You can overwrite both if your statement says otherwise.
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. Otherwise you type them in from your statement. The check adds up every converted transaction, compares the total to the closing balance, and tells you the exact size 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.