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Convert a bank statement PDF to QBO for QuickBooks

Create a QuickBooks Web Connect (.qbo) file from any PDF statement, so you can import months of history without retyping it.

  • See every row checked, no account needed
  • Download free, one statement a day, with an email sign-in
  • Files deleted after 60 minutes
Opening balance2,450.75
Jan 2Payroll Acme Corp3,120.005,570.75
Jan 3Amazon Mktp US-45.205,525.55
Jan 5Shell Oil 5741-61.345,464.21
Jan 6Comcast Cable-89.995,374.22
Jan 8Zelle from J Smith250.005,624.22
Jan 9Whole Foods Mkt-132.485,491.74
Each row is ticked only when it adds up to the balance printed on the statement.

Why convert to QuickBooks

QuickBooks only downloads recent history through bank feeds, and its CSV import is picky. A .qbo file is what QuickBooks treats as a real bank download: it brings in dates, amounts and payees in one step, and it's the usual way to backfill months of transactions or catch up a client's books.

<STMTTRN>
  <TRNTYPE>DEBIT
  <DTPOSTED>20260103
  <TRNAMT>-45.20
  <FITID>9f2c41a07be3d58e1c20
  <NAME>AMAZON MKTP US
</STMTTRN>
Inside the .qbo file (a QuickBooks Web Connect file)

Importing the QBO file into QuickBooks Online

  1. In QuickBooks Online, go to All apps, then Accounting, then Bank transactions, and select the account's tile.
  2. Open the Link account dropdown, select Upload from file, and choose the .qbo file.
  3. Pick the account in the QuickBooks account dropdown, select the transactions, and confirm.
  4. Review and categorize them in the For review tab. Intuit limits uploads to 350 KB and 1,000 lines, so split very long histories into date ranges.

Step-by-step: import a bank statement into QuickBooks Online

Need a different format? Bank statement to Excel, Bank statement to CSV, Bank statement to OFX, Bank statement to QIF.

What happens to your statement

Deleted after 60 minutes
Your PDF and the converted files are deleted automatically one hour after upload. A countdown on the result shows exactly when.
Never used for training
Statements are processed only to produce your file. We don't keep them, sell them or train models on them.
Encrypted in transit and at rest
Uploads travel over TLS and are stored encrypted until they're deleted.
No bank login, ever
We only read the PDF you choose. We never ask for your online banking credentials.

Read the full data handling policy

Questions

Can't I just upload the PDF to QuickBooks Online?

You can: QuickBooks Online now reads PDF statements with AI, and you review the extracted rows side by side before saving. A QBO file from Unclip arrives already checked against the printed balances, works in QuickBooks Desktop too, and comes with Excel and CSV versions of the same data.

QuickBooks Desktop shows error OL-222. What now?

OL-222 means QuickBooks Desktop couldn't read the file, most often because of a special character such as an ampersand. Unclip writes these characters in the escaped form QuickBooks expects. If you still see an error, write to us and we'll sort it out with you.

Does it work with QuickBooks Desktop too?

Yes. In QuickBooks Desktop use File, then Utilities, then Import, then Web Connect Files.

Will the opening balance be imported as a deposit?

No. Only transactions are written to the file. The opening balance is used to check the rows, not imported as a transaction.