CSV to QBO Converter

1. Download the transactions from your bank's website as CSV (sometimes labelled "Excel" or "spreadsheet").
2. Drop the CSV above. The converter finds the header row, even below lines of account details, and guesses which column is the date, the description and the amount.
3. Check the guesses. If your bank uses separate money-out and money-in columns, choose them; if purchases appear as positive numbers (common on card exports), tick the box that flips the signs.
4. Say whether it is a bank account or a credit card, and give the account number or its last digits. QuickBooks remembers which of your accounts it belongs to by this number.
5. Read the preview. Any row whose date or amount cannot be read is listed by row number, with the reason.
6. Download the QBO file and import it into QuickBooks.

QFX (for Quicken) and plain OFX downloads come from the same rows, if you need them instead.

A .QBO file is a Web Connect file: the format banks hand out when you choose "download for QuickBooks". It is OFX underneath, plus a bank code (the INTU.BID tag) that QuickBooks checks before it accepts the file, and a transaction ID (FITID) on every line so the same transaction is not imported twice.

QuickBooks Desktop has no CSV import for bank transactions, so a Web Connect file is the way in when your bank's own download is gone or never existed. QuickBooks Online accepts CSV uploads too, but only in a 3-column (Date, Description, Amount) or 4-column (Date, Description, Credit, Debit) layout with one date format, and many bank exports need editing first. Converting to QBO skips that editing.

QuickBooks Desktop (Windows): choose File → Utilities → Import → Web Connect Files, select the .qbo file, then choose "Use an existing QuickBooks account" and pick the account. Review the transactions in the Bank Feeds Center before adding them.

QuickBooks Online: go to Bank transactions, open the Link account menu and choose Upload from file. Select the .qbo file and the account it belongs to, then choose which transactions to import. Intuit's limits for one upload are 350 KB and 1,000 transactions; the converter warns you when a file is over either, so you can split the CSV by date and convert each part.

These are the steps in Intuit's help pages, checked on 16 October 2026. Imports of these files into QuickBooks itself have not yet been tested and recorded by Sonomir, so try one month first.

A file made from a CSV has no bank code of its own, and QuickBooks refuses a Web Connect file without one with the message "Missing bid data". The converter writes 3000, the code in Wells Fargo's own Web Connect files. ProperSoft's help pages say QuickBooks accepts that code for every account type. It is only a label: QuickBooks may show "Wells Fargo" during the import, but you choose which of your accounts the transactions go into, and nothing is sent to or from any bank.

If QuickBooks says it "is unable to verify the Financial Institution information for this download", the code was not accepted for that account. The bank ID fixer changes it without touching the transactions.

• "Every date in this file fits both month/day and day/month": no day in the file is above 12, so 03/04/2026 could be 4 March or 3 April. Choose the order your bank uses; a statement or the bank's website shows which.
• "Pending" is not a date: banks often add pending transactions or a totals line without a real date. Leave those rows out (there is a tick box), or fix the cell in the CSV.
• "12%" is not an amount: the amount column is probably wrong. Choose the column with the money values.
• "Both the money-out and money-in columns have an amount": the row has a value in each, so its direction is unclear. Check it against the statement.
• "This does not look like a CSV": the file is probably an Excel workbook (.xlsx). Open it and save it as CSV first.
• "Over QuickBooks Online's 1,000-transaction limit": split the CSV by date and convert each part separately.