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StatementSmith
Statement file converter

Convert QBO to PDF

Drop in a .qbo file and get back a printable PDF of its transactions, with a balance check that proves nothing was dropped.

No sign-up needed. Files never leave your browser.

A .qbo file is an OFX document with an Intuit institution identifier attached. Your bank produced it for software to read, which is why opening one in a text editor shows a wall of tags where you expected a statement.

This reads the transaction list out of it and typesets it: date, description, direction and amount, one row per transaction in date order. The heading states the count, the date range and the totals both ways. Long pages break properly and the column headings repeat, so it prints and files like a document rather than a screenshot of one.

The file is read in your browser. A .qbo full of a client's transactions never crosses the network.

New to the format? Read what a QBO file is. It covers what is inside one, and what it cannot tell you.

Balance validation

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

Closing balance is 240.18 short

A transaction may be missing. Review the rows below, or re-upload including all pages.

Opening4,210.11
Rows total1,154.46
Computed5,364.57
Statement says5,604.75

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.

No server copy

Closing the tab discards the file and everything read out of it. There is nothing to delete later and nothing to breach.

Nothing to opt out of

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.

Keeps working with the network off

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

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.

Is the PDF a copy of my original statement?

No. It is a fresh transaction table typeset from what was inside your file: date, description, direction and amount, in date order. The heading states the count, the date range and the totals both ways. A statement file carries the transaction list, not the page your bank designed, so there is no original layout to reproduce.

Can I get the figures back out of the PDF?

The text is real text rather than a picture of it, so it selects, copies and searches. If what you want is arithmetic, convert the same file to CSV or Excel instead. Those keep dates and amounts typed as dates and numbers, which a PDF cannot.

What happens to a long description?

It is measured against the column and trimmed with an ellipsis if it will not fit. That keeps the amounts in a straight line down the right-hand edge. Nothing else is shortened. The untrimmed text is in the CSV output of the same file if you need it whole.

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.

Convert a statement