How to Convert CSV to QBO for QuickBooks Online

What is a QBO File?

A QBO file (QuickBooks Online Bank Statement) is an OFX SGML format file that QuickBooks Online uses to import bank transactions. Most banks let you export transactions as CSV, but QuickBooks prefers QBO for direct import.

Why Convert CSV to QBO?

When you download transactions from your bank, you often get a CSV file. QuickBooks Online can import QBO files directly through the **Banking > Upload transactions** flow, saving you hours of manual entry.

How to Convert CSV to QBO

1. **Export your bank statement as CSV** from your bank's website.

2. **Go to the CSV to QBO Converter** on this site (it's free for up to 25 rows).

3. **Upload your CSV file** — the tool auto-detects columns.

4. **Match columns**: Select which column is the Date, Description, and Amount.

5. **Download the QBO file**.

6. In QuickBooks Online, go to **Banking > Upload from file** and select your QBO file.

Column Mapping Tips

**Date**: Look for columns named "Date", "Transaction Date", or "Posted Date"

**Amount**: Some banks split into "Debit" and "Credit" — use the single Amount column if available

**Description**: "Memo", "Narration", or "Description" columns work well

Supported Date Formats

The converter handles:

MM/DD/YYYY (US format)

YYYY-MM-DD (ISO format)

DD/MM/YYYY (European format)

Free vs Pro

The free plan converts up to 25 rows. For full bank statements with hundreds of transactions, upgrade to Pro ($7/month or $49/year).