How it works

Drop the CSV

Comma, semicolon or tab separated, with or without a header row, from any bank or card issuer.

Confirm the columns

Check which column is the date, the description and the amount (or debit and credit). Fix the sign if a card export shows purchases as positive.

Download QBO

Review the transactions and balances, then download a QBO file split under 350 KB when needed.

Every bank's CSV is different

One bank exports Posting Date, Description, Amount, Type, Balance, newest first. Another puts three lines of account details above the header. A card issuer exports purchases as positive numbers. A credit union uses semicolons and Windows-1252 characters. The converter handles each of these automatically and shows you what it understood before anything is written.

What happens when you drop a file

Reading: the character encoding (UTF-8, UTF-16 or Windows-1252) and the delimiter are detected.
Finding the header: the first 30 rows are scanned for a row that looks like column names, so preamble lines are skipped.
Matching columns: header names like Trans. Date, Payee, Withdrawals or Running Bal. are recognized. Without a header, columns are recognized from their contents.
Confidence: if anything is uncertain, the column matching panel opens so you can confirm it. Otherwise you go straight to the review.

Reviewing before export

The table shows every transaction with its date, description and amount, all editable. When the CSV has a running balance, the opening and closing balances are calculated and each row is checked against the previous balance, so a misread amount stands out immediately. Possible duplicates, such as two identical transactions on the same day, are flagged but kept, because they're often real.

Importing the QBO file

QuickBooks Online

Open Transactions > Bank transactions, choose Link account > Upload from file, drop the .qbo file and pick the account. There's no column mapping step for QBO files.

QuickBooks Desktop

Use File > Utilities > Import > Web Connect Files and link the file to the right account. Desktop doesn't import bank CSVs directly, which makes QBO the simplest route.

Tips

Download the CSV directly from the bank and convert it as is. Opening and saving it in Excel first can change dates and drop leading zeros.
Keep the same account number in the review screen for every conversion of the same account, so QuickBooks keeps linking the files to it.
Got several monthly CSVs? Combine them with Merge CSV files first, then convert once.
Need a CSV for QuickBooks Online instead? Choose the 3-column or 4-column QuickBooks CSV in the download step.

Frequently asked questions

Why convert a CSV to QBO when QuickBooks Online imports CSV?

CSV uploads make you map columns every time and don't carry transaction IDs, so re-importing an overlapping period can create duplicates. A QBO file carries a stable ID per transaction and imports into QuickBooks Desktop as well, which doesn't accept bank CSVs.

My CSV has separate Debit and Credit columns. Is that OK?

Yes. Debit (or Withdrawal) becomes money out and Credit (or Deposit) money in, whatever sign the bank used in each column.

The amounts on my card export are all positive. What do I do?

Some issuers export purchases as positive numbers. The converter spots this and offers to flip all signs, or you can tick Flip the sign of amounts in the column matching panel.

What date formats are supported?

US formats like 01/05/2026 and 1/5/26, ISO dates like 2026-01-05, and month names like Jan 5, 2026. If the file uses day/month/year, choose it in the column matching panel.

My bank adds lines above the header and a total at the bottom.

That's handled. The header row is found automatically, even below a few lines of account information, and rows without a valid date, such as totals, are skipped and reported.

Do I need the opening and closing balance?

No, but it's the best check that nothing is missing. If your CSV has a running balance column, the opening and closing balances are calculated for you.

Related tools