Convert a bank CSV to QBO for QuickBooks

Turn the CSV your bank gives you into a QuickBooks Web Connect (.qbo) file, the bank-download format that QuickBooks Desktop and QuickBooks Online accept. Your file never leaves your computer.

Runs 100% in your browser
No sign-up
Free for 10 transactions per file
Pro: $29 one-time

Drop your bank CSV or Excel (.xlsx) file here or click to choose a file. It is read by your browser and never uploaded.

1. Check how the file was read

Delimiter Header row (0 = no header) Date format in file Decimal separator Flip sign (money out ↔ money in)

Columns

Use either one signed Amount column, or separate Debit and Credit columns.

2. Review transactions

	Date	Description	Amount	Check #	Balance

3. Account details (written into the file)

Account type Account number (or any unique ID) Routing number / bank ID Currency INTU.BID (QBO/QFX only) Bank name (optional) Dates in QIF/CSV output

Use a different account number for each real account, and the same number every time you convert that account. QuickBooks and Quicken use it to recognise the account. See what INTU.BID means.

4. Download

Pro ($29 one-time): coming soon

The output follows the standard Web Connect (QBO/QFX) and OFX formats and has been checked with independent OFX parsers. Try the free 10-transaction export in your software before buying Pro ($29 one-time). If a file you export with Pro won't import into the software you made it for, you get a full refund within 30 days of purchase. Refund policy

How to import the QBO file

QuickBooks Desktop

Convert your CSV above. Choose the account type (checking, savings or credit card) and enter the account number.
Click QBO (QuickBooks) to download the file.
In QuickBooks Desktop go to File → Utilities → Import → Web Connect Files and pick the .qbo file.
When asked, choose Use an existing QuickBooks account and select the matching bank or credit card account, or create a new one.
Review and add the transactions in the Bank Feeds window.

If the account is already connected to a live bank feed, QuickBooks may not accept a Web Connect file for it. Deactivate the bank feed for that account first (edit the account in the Chart of Accounts and open its Bank Feed settings).

QuickBooks Online

Go to Banking (or Transactions → Bank transactions, depending on your version).
Open the Link account menu and choose Upload from file. If you have no connected accounts, choose Upload transactions.
Select the .qbo file, choose the QuickBooks account to put it in, and follow the prompts.
Review the transactions in the For review tab.

Intuit's help center lists a 350 KB size limit and up to 1,000 transactions per upload for QuickBooks Online. Split very long statements by month.

About INTU.BID and "unable to verify financial institution"

QBO and QFX files carry an Intuit bank identifier (INTU.BID, mirrored in <FID>). QuickBooks Desktop and Quicken check it against Intuit's directory of banks that support Web Connect downloads. If the ID is unknown or the bank has dropped Web Connect, the import fails with an "unable to verify the financial institution" style error.

Like other converters, we default to 3000, the Wells Fargo entry in that directory, which converters commonly use as a generic value. The only visible side effect is that the import dialog may show a Wells Fargo label; the transactions still go into whichever account you pick. If you know your own bank's Web Connect ID, enter it in the INTU.BID box instead. QuickBooks/Quicken remember the combination of bank ID and account number, so keep both the same each time you convert the same account.

FAQ

What is a QBO file?

A .qbo file is a Web Connect file: an OFX 1.0.2 statement with Intuit-specific fields. Banks offer it as the "QuickBooks Web Connect" download option.

Should I use QBO or the QuickBooks Online CSV?

QBO keeps transaction IDs, check numbers and account type, and QuickBooks Online does not ask you to map columns. The 3-column CSV export is a fallback if a QBO upload is refused.

Can I import credit card transactions?

Yes. Set the account type to Credit card. Charges are written as negative amounts and payments as positive, which is what QuickBooks expects.

Is my bank file uploaded anywhere?

No. The page reads the file with your browser's built-in file APIs and builds the output on your device. There is no server-side code: you can open your browser's developer tools, watch the Network tab while converting, and see that no file data is sent. See the privacy page.

Is it free?

Yes for up to 10 transactions per file in every format, with full preview and editing. Pro removes the limit for $29 one-time. Try the free export in your software first. If a file you export with Pro won't import into the software you made it for, you get a full refund within 30 days of purchase. See the refund policy.

QuickBooks and Quicken are trademarks of their respective owners (Intuit Inc. and Quicken Inc.). This site is independent and is not affiliated with, endorsed by, or sponsored by Intuit or Quicken. Product names are used only to describe file compatibility.