Convert CSV to QBO for QuickBooks
Turn a bank's CSV export into a QuickBooks Web Connect (.qbo) file in your browser. The file never leaves your computer.
- Runs in your browser. The file is never uploaded.
- Free for 10 files a day. No account.
- Also writes CSV, Excel, QFX, OFX, QIF, IIF, PDF.
- Nothing is uploaded: the file stays on your computer
- Free for 10 files a day, no account
- Every output format from the same screen
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Click a date, description or amount to fix it before you download.
| Date | Description | Amount | Balance | Row actions |
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Why CSV to QBO
QuickBooks Desktop only imports bank history as a .qbo Web Connect file, and QuickBooks Online's CSV import is limited to three or four columns and often rejects the layout your bank uses. A QBO file is what QuickBooks treats as a real bank download: dates, amounts, payees and check numbers arrive in one step, with transaction IDs that stop duplicates.
Importing the QBO file into QuickBooks
- In QuickBooks Online, open Transactions, then Bank transactions, and pick the account's tile.
- Open the Link account dropdown and choose Upload from file, then select the .qbo file you just downloaded.
- Choose the QuickBooks account the transactions belong to and confirm. They land in the For review tab.
- QuickBooks Desktop: File, then Utilities, then Import, then Web Connect Files. Pick the account when asked.
How the conversion works
1. Read
Columns are detected from the header, or from the content when there is no header: a date column, an amount column or a debit and credit pair, and the longest text column as the description. Day-first dates are recognised.
2. Check
Rows without a readable date and amount are counted and reported, never silently dropped. Totals in and out and the period are shown so you can compare them with the source before importing.
3. Write
A valid OFX 1.02 file with the Intuit header tags the target program expects, escaped special characters (the usual cause of error OL-222) and a stable FITID per transaction so re-imports don't duplicate.
Starting from a PDF statement? The statement converter reads it and checks every row against the printed balance.
Related converters
Questions
Which CSV layouts work?
Any export with a date column and either a signed amount column or separate debit and credit columns. Column names and order don't matter: Chase, Bank of America, Wells Fargo (no header), Capital One, US Bank, Citi, UK banks with day-first dates and semicolons, and spreadsheets you typed yourself all work. Excel files (.xlsx) are accepted too.
Money in and money out are the wrong way round
Some card exports write purchases as positive numbers. Tick "Flip the sign" under Options and download again.
What should I put as the bank ID (INTU.BID)?
It only sets the bank label QuickBooks shows during import; you still pick the real account yourself. The default, 3000, works for every account type. If QuickBooks complains that the bank isn't supported, try the ID your bank's own Web Connect files use: open one in a text editor and look for INTU.BID.
QuickBooks says the file has an invalid format or shows error OL-222
That's almost always an unescaped & or < in a payee name, or a missing bank ID. Unclip escapes these characters and always writes INTU.BID. If it still fails, send us the first ten lines of the file (no account numbers needed) and we'll look at it.
Will importing twice create duplicates?
Each transaction gets a stable FITID based on its date, amount and payee, so QuickBooks recognises a file it has already seen. New transactions in a later file still come through.