CSV to QBO Converter
Convert your bank CSV export to QBO format for QuickBooks Online — instantly, free, and 100% in your browser.
Drop your CSV / Excel file here
or click to browse
Bank only gives you a PDF statement? Convert the PDF to QBO with StatementConverterAI.
How to convert CSV to QBO
Upload your CSV
Export transactions from your bank as a CSV file, then upload it here.
Map your columns
Select which columns contain the date, description, and amount.
Download QBO
Import the QBO file into QuickBooks Online via Banking > Upload transactions.
Why use a CSV to QBO converter?
Most banks let you export transactions as CSV, but QuickBooks Online imports transactions using the QBO format — a variant of the OFX SGML standard. Manually re-entering hundreds of transactions is error-prone and time-consuming.
Our free CSV to QBO converter runs entirely in your browser. Your financial data is never uploaded to our servers — the conversion happens locally. You can verify this by going offline before converting.
The tool supports date formats from US banks (MM/DD/YYYY), ISO 8601 (YYYY-MM-DD), and European banks (DD/MM/YYYY). It handles quoted fields, various delimiters, and mixed amount columns.
Import CSV to QBO: CSV upload vs. QBO file
QuickBooks Online can take a CSV directly under Banking > Upload transactions, but only in a strict 3-column (Date, Description, Amount) or 4-column (Date, Description, Credit, Debit) layout, and you map the columns again on every upload. A bank CSV with extra columns, a summary block above the header, or no header row at all is usually rejected or mis-mapped.
A QBO file is what your bank would send QuickBooks through Web Connect: each transaction carries its own type and a unique ID (FITID), and QuickBooks reads it without a column-mapping step. Uploading the same QBO file twice does not duplicate transactions. Converting CSV to QBO first gives you that for any bank, including banks that only offer a CSV export.
What the conversion keeps
| CSV column | QBO field |
|---|---|
| Date | DTPOSTED |
| Amount (sign sets credit or debit) | TRNAMT, TRNTYPE |
| Description / Payee | MEMO |
| None — generated | FITID |
Bank-specific walkthroughs: Chase, Bank of America, Wells Fargo, PayPal. Full import walkthrough: how to convert CSV to QBO for QuickBooks Online. Moving from Quicken, Money or another program: QuickBooks migration tool.
Frequently asked questions
What is a QBO file?
A QBO file is a bank statement file in OFX (Open Financial Exchange) format that QuickBooks Online uses to import transactions. Most banks export CSV — this tool converts that CSV into a QBO file QuickBooks can read.
How do I convert CSV to QBO?
Export transactions from your bank as CSV, drop the file into the converter above, confirm which columns hold the date, description and amount, and download the .qbo file. Nothing is uploaded — the conversion runs in your browser.
Can QuickBooks Online import a CSV without converting it?
Yes, if the CSV is in QuickBooks' 3-column (Date, Description, Amount) or 4-column (Date, Description, Credit, Debit) layout. Bank exports with extra columns, summary rows or no header usually need cleaning first; converting CSV to QBO skips that and the column-mapping step in QuickBooks.
Is the CSV to QBO converter really free?
Yes — completely free, no account required, no row limits. Your data never leaves your browser.
Is my financial data safe?
Your data never leaves your device. The conversion happens entirely in your browser using JavaScript. We have no server that receives your CSV file.
Which banks does this work with?
Any bank that exports CSV transactions — Chase, Bank of America, Wells Fargo, Citi, Capital One, and hundreds of others worldwide. As long as you can export a CSV with Date, Description, and Amount columns, this tool works.
How do I import the QBO file into QuickBooks Online?
In QuickBooks Online, go to Banking > Transactions > Upload transactions. Select your QBO file, choose the bank account, and QuickBooks will import the transactions into your bank feed for review.
What if my bank uses separate Debit and Credit columns?
The converter reads one Amount column, where negative numbers are money out. If your bank splits debits and credits, add a column in Excel or Google Sheets with =Credit-Debit, save as CSV, and map that column as the amount.