CSV to OFX Converter
Turn a bank CSV or Excel file into an OFX bank statement file for money apps that import OFX, right in your browser.
Drop your bank file here or choose a file
CSV, Excel, QBO, QFX, OFX or QIF · stays on your device
No signup. Your file never leaves your computer. Works in your browser.
How to convert CSV to OFX
- Download a CSV from your bank Open the account's transactions on your bank's website and download them as CSV or Excel.
- Drop the file into the converter Choose the file or drag it onto the box above. It is read by your browser and never uploaded.
- Check the columns and transactions Confirm the date, description and amount columns, then fix or delete any row in the preview.
- Choose OFX and the account type Pick checking, savings, money market, line of credit or credit card. Under More options you can choose OFX 1.02 (SGML, the default) or OFX 2.2 (XML).
- Download the OFX file Click Download OFX file and import it into your app.
How to import the OFX file
Most money apps
- Find the import command Look for File › Import or an "Import transactions" option and choose OFX.
- Pick the account Choose the account the transactions belong to, or let the app create one.
- Check the result Compare the imported transactions with the preview you checked here.
QuickBooks Online
- Upload the file Intuit's help pages list OFX among the file types QuickBooks Online's bank upload accepts. For QuickBooks, a QBO file is the format Intuit recommends; choose QBO before you download if that's where it's going.
What an OFX file contains
OFX (Open Financial Exchange) is an open standard for exchanging financial data, maintained today by the OFX work group at the Financial Data Exchange. A bank statement in OFX holds the account (bank ID, account number and account type, or a card number), the currency, the list of transactions with a type, date, amount, unique ID, name and memo, and the ledger balance. The converter writes every required part in the order the specification sets.
Which OFX version to choose
The converter writes OFX 1.02 by default: tagged text, the same form as the QBO and QFX files it makes. Choose OFX 2.2 under More options when your app asks for XML. Both hold the same account, transactions and balance.
Where to use the OFX file
- QuickBooks Online lists
.ofxamong the file types its Upload from file option takes. - Quicken for Mac imports OFX files with File › Import › Bank or Brokerage File (OFX, QFX).
- QuickBooks Desktop reads only
.qbofiles through Web Connect; choose QBO instead.
Supported banks and file layouts
Any bank's CSV or Excel file
The converter finds the header row (even below bank names and account summaries), matches columns by name and by content, and handles one signed amount column, separate debit and credit columns, or an amount with a DR/CR column. Dates like 01/05/2026, 2026-01-05 and Jan 5, 2026 and amounts like (1,234.56) or 1234.56- are all read.
Known layouts, picked automatically
- American Express card · Date, Description, Card Member, Account #, Amount, … 8 more
- Apple Card · Transaction Date, Clearing Date, Description, Merchant, Category, … 3 more
- Bank of America checking or savings · Date, Description, Amount, Running Bal.
- Bank of America credit card · Posted Date, Reference Number, Payee, Address, Amount
- Barclays credit card · Transaction Date, Description, Category, Amount
- Capital One 360 checking or savings · Account Number, Transaction Description, Transaction Date, Transaction Type, Transaction Amount, Balance
- Capital One credit card · Transaction Date, Posted Date, Card No., Description, Category, … 2 more
- Charles Schwab Bank checking · Date, Status, Type, CheckNumber, Description, … 3 more
- Charles Schwab Bank checking (older layout) · Date, Type, Check #, Description, Withdrawal (-), … 2 more
- Chase checking · Details, Posting Date, Description, Amount, Type, … 2 more
- Chase credit card · Transaction Date, Post Date, Description, Category, Type, … 2 more
- Citi credit card · Status, Date, Description, Debit, Credit
- Discover card · Trans. Date, Post Date, Description, Amount, Category
- Mercury transactions · Date (UTC), Description, Amount, Status, Source Account, … 9 more
- PayPal activity · Date, Time, TimeZone, Name, Type, … 11 more
- PNC checking or savings · Transaction Date, Transaction Description, Amount, Balance
- SoFi checking or savings · Date, Description, Type, Amount, Current balance, Status
- Square transactions · Date, Time, Time Zone, Gross Sales, Discounts, … 44 more
- Stripe balance report · balance_transaction_id, created_utc, available_on_utc, currency, gross, … 4 more
- USAA checking or savings · Date, Description, Original Description, Category, Amount, Status
- Venmo statement · ID, Datetime, Type, Status, Note, … 16 more
- Wells Fargo · 5 columns, no header row
Each layout was checked against the bank's own help pages or real sample files. If your bank changes its layout, the converter still reads the file by its column names.
Common problems and fixes
- My app shows the dates one day off
- The converter writes each date with a time of 12:00 GMT, so it falls on the same calendar day in every US time zone. If your app still shifts dates, tell us which app it is.
- My app asks for OFX 2 (XML)
- Open More options before you download and choose OFX 2.2 (XML). OFX 1.02 (SGML) is the default because older programs read it.
- Long descriptions are cut short
- OFX keeps names to 32 characters. The converter cuts the name to 32 characters and puts the full text in the memo, which allows up to 255.
- Transactions are imported twice
- Each transaction has an ID (FITID) built from its date, amount, description, memo and check number, so converting the same CSV again gives the same IDs. Apps that use FITIDs can then skip transactions they already have.
CSV vs OFX
| CSV | OFX | |
|---|---|---|
| What it is | A plain table of rows and columns | An open standard for bank statement files (tagged text or XML) |
| Account details | None | Account type, account number, currency and balance |
| Transaction IDs | Only if you add a column | Yes (FITID), used to skip duplicates |
| Standard layout | No: every bank differs | Yes: defined by the OFX specification |
Frequently asked questions
How do I convert CSV to OFX?
Drop the CSV into the converter above, check the columns and transactions, choose OFX and download. The OFX file is made in your browser.
Which OFX version does it write?
OFX 1.02 (SGML) by default, or OFX 2.2 (XML) if you choose it under More options. Both follow the official OFX specification.
What is the difference between OFX, QBO and QFX?
QBO and QFX files are OFX statements with Intuit's extra bank ID, made for QuickBooks and Quicken. A plain OFX file has no Intuit tags and is for other apps.
Can I import the OFX file into QuickBooks Desktop?
Not with Web Connect, which reads only .qbo files. Choose QBO in the converter instead; it is an OFX statement with the bank ID QuickBooks checks.
Does the OFX file include a bank ID?
A plain OFX file made here leaves out Intuit's bank ID, which only QuickBooks and Quicken use. Choose QBO or QFX when the file is for one of them.
Is my file uploaded?
No. The CSV is read and converted in your browser and never leaves your computer.
Sample files
Made-up transactions you can download to see what each format looks like, or to try the converter. Open them in a text editor, or drop them into the converter above.
- Sample CSV A bank CSV with debit and credit columns.
sample-bank-statement.csv - Sample OFX file Plain OFX 1.02 bank statement.
sample.ofx
Related tools
Last updated · EmproIT