Convert OFX to QBO
Your bank gives you an .ofx file and QuickBooks wants a .qbo. The difference is a header and two Intuit tags. Fix it in your browser.
- 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 OFX to QBO
OFX and QBO are the same format underneath: OFX is the open standard, QBO is Intuit's variant that adds an INTU.BID tag and requires a bank Intuit has on its list. QuickBooks refuses a plain .ofx file, so banks outside Intuit's program, credit unions, brokerages and most non-US banks leave you with a file QuickBooks won't take. Unclip rewrites it as a valid Web Connect file and keeps every transaction, ID and memo intact.
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
Every STMTTRN block is read: date posted, amount, payee, memo, check number and the bank's transaction ID. OFX 1 (SGML) and OFX 2 (XML) both work, as do credit card files.
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
Why doesn't QuickBooks accept my OFX file?
Web Connect import only accepts .qbo files with an INTU.BID tag that names a bank in Intuit's directory. A plain OFX download has neither.
Does the currency carry over?
Yes. The CURDEF from your OFX file is kept, as are the account type, transaction IDs, check numbers and memos.
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.