How do I open a QFX file?

A .QFX file is a Quicken Web Connect download, so you usually import it. In Quicken for Windows back up, then choose File, File Import, Web Connect File and link it to your account. In Quicken for Mac choose File, Import, Bank or Brokerage File (OFX, QFX). To look at the transactions in a spreadsheet, convert the .qfx to CSV and open the CSV in Excel or Google Sheets.

What program opens a QFX file?

Quicken for Windows and Quicken for Mac, QuickBooks Online (Upload from file), Xero (Import a Statement) and the free GnuCash (Import OFX/QFX). QuickBooks Desktop doesn't, because its Web Connect reads only .qbo files, and Quicken Simplifi imports CSV only. Any text editor shows the raw file.

Can I open a QFX file in Excel?

Not as a table. A QFX is tagged text, not a spreadsheet, so Excel shows the tags rather than rows, and saving it from Excel can break it for Quicken. Convert it with a QFX to CSV or QFX to Excel converter, then open the CSV: one row per transaction with the date, description and amount.

How do I open a QFX file on a Mac?

In Quicken for Mac choose File, Import, Bank or Brokerage File (OFX, QFX), or drag the file onto the Quicken window, then pick the account. Without Quicken, open it in TextEdit to read it, or convert it to CSV and open that in Numbers or Excel.

Can I open a QFX file on an iPhone?

Not in Quicken's mobile app: Quicken describes it as a companion that syncs with Quicken for Windows or Mac, so import the .qfx on your computer and sync. To see the transactions on the phone, convert the file to CSV in the browser and open the CSV in Numbers, Excel or Google Sheets.

Can QuickBooks Desktop open a QFX file?

No. Intuit says Web Connect only works with .qbo files, and renaming a .qfx doesn't change that. Convert it to .QBO, or to .IIF on QuickBooks Desktop 2023 or older, which lost Web Connect after May 31, 2026. QuickBooks Online imports a .qfx directly with Upload from file.

What is the difference between QFX and OFX?

A QFX is an OFX file with Intuit's bank ID tag added for Quicken, which Quicken checks with its online service when you import. The transactions inside are written the same way. Quicken for Windows imports QFX but not plain OFX; Quicken for Mac, QuickBooks Online and Xero take both.

How do I open a QFX file without Quicken?

Convert it to CSV in the browser and open the CSV in Excel, Google Sheets or Numbers, import it into QuickBooks Online or Xero, use the free GnuCash, or read it in Notepad or TextEdit. There is no separate QFX viewer needed for any of these.

How to Open a QFX File (Quicken, Excel, iPhone)

A .QFX file is a Quicken Web Connect download: your bank's transactions written as text for Quicken to import. Quicken calls it Quicken File eXchange. It isn't a spreadsheet or a PDF, so double-clicking it either starts a Quicken import or does nothing. This guide covers every way to open one: in Quicken for Windows and Mac, on an iPhone, in QuickBooks, in Excel or Google Sheets, and with no Quicken at all.

Short answer: in Quicken for Windows, back up, then choose File → File Import → Web Connect File (some versions say Quicken Transfer Format (.QFX) File) and link it to your account. In Quicken for Mac, use File → Import → Bank or Brokerage File (OFX, QFX). To see the transactions without Quicken, in Excel, Google Sheets or Numbers, convert the .qfx with QFX to CSV or QFX to Excel and open the .csv. To read the raw file, open it in Notepad or TextEdit: it is plain text.

See a sample QFX/OFX as a spreadsheet

Open Utilly's fictional September 2026 checking file (31 transactions, 11 deposits totalling 29,597.43 and 20 payments totalling 28,575.27) in the converter and download it as a Clean CSV. A QFX has the same transaction body, so this is what your bank's .qfx looks like once converted. Free for the sample; your own .qfx is free up to 100 rows.

Download sample file

On this page

What a .QFX file is (QFX vs OFX vs QBO)
Open in Quicken for Windows
Open in Quicken for Mac
On an iPhone or Android phone
QuickBooks Desktop and QuickBooks Online
Open in Excel or Google Sheets
Read it in a text editor
Open without Quicken
QFX to PDF
Why it won't open
Convert your own .qfx

1. What a .QFX file is (QFX vs OFX vs QBO)

Banks offer a .QFX download for Quicken, usually labelled Quicken, Quicken Web Connect or .QFX on the download screen. Quicken's help says QFX "is used by many financial institution websites to transfer information from their website to Quicken", and calls that route Web Connect. Inside is OFX text with Intuit's bank ID tag added (INTU.BID), which Quicken checks against its online service when you import. Quicken recommends Direct Connect or Express Web Connect where your bank offers them; QFX is the fallback, and the usual way to fetch older transactions.

You have	What it is	Opens in
.QFX	Quicken Web Connect: OFX plus Intuit's bank ID	Quicken for Windows and Mac; QuickBooks Online; Xero. Not QuickBooks Desktop
.OFX	Open Financial Exchange, the generic standard QFX is built on	Quicken for Mac, QuickBooks Online, Xero. Not Quicken for Windows. See how to open an OFX file
.QBO	QuickBooks Web Connect: the same OFX body with Intuit tags for QuickBooks	QuickBooks Desktop and Online. See how to open a .QBO file
.QIF	Quicken Interchange Format: older plain text, one field per line	Quicken for Windows, Xero, GnuCash. See how to open a .QIF file
.QDF	A Quicken for Windows data file (your whole Quicken file)	Quicken only, File → Open. A converter can't read it

2. Open in Quicken for Windows

Back up your Quicken data file. Quicken's own steps start there.
Choose File → File Import → Web Connect File. Quicken's Windows help names the same item Quicken Transfer Format (.QFX) File; the wording depends on the version.
Select the .qfx (usually in your Downloads folder) and click OK.
Give the account a name, or choose Link and pick the Quicken account you already keep for these transactions.
Open the account and review and accept the downloaded transactions, depending on your download preferences.

There is also an account-level route: select the account, open the gear menu and choose Import transactions from Bank website, then drag the .qfx onto the Download Transactions screen. Either way, Quicken says to review the register afterwards: if the file overlaps dates you already have, delete one of each duplicate. Start the bank's date range the day of, or the day after, your last transaction in Quicken.

Two limits from Quicken's support pages: Web Connect files "require access to online services" to be validated, so an expired subscription or an unsupported Quicken version can't import them; and Quicken for Windows can't import a plain .OFX. If your bank only offers OFX, convert it with OFX to QIF and use File → File Import → QIF File instead.

3. Open in Quicken for Mac

Back up your Quicken data file.
Choose File → Import → Bank or Brokerage File (OFX, QFX). Quicken's Mac help also lets you drag the file onto the Quicken window.
Pick the .qfx and click Open.
On Choose Your Accounts screen, select the existing account, or choose Add in the Action column to make a new one, then Continue.
Check the account register. Quicken's Mac help warns that importing dates you already have creates duplicates.

Unlike Windows, the Mac menu names OFX as well as QFX. Quicken for Mac doesn't add QIF files to an existing data file, so the bank's QFX (or a CSV in Quicken's Mint layout, see how to import a CSV into Quicken) is the way to add months.

4. On an iPhone or Android phone

Quicken's mobile app can't import a .qfx. Quicken describes it as "a companion to our Win/Mac application" that syncs with Quicken on your computer, so import the file in Quicken for Windows or Mac and sync. Quicken Simplifi, the web and mobile product, imports CSV only, not QFX. To look at the transactions on a phone, convert the .qfx to CSV in the phone's browser with QFX to CSV and open the .csv in Numbers, Excel or Google Sheets.

5. QuickBooks Desktop and QuickBooks Online

QuickBooks Desktop doesn't open a .qfx. Its Web Connect import reads only .qbo (Intuit: "Web connect only works with .qbo files"), and renaming the file doesn't help because the sign-on tags differ. Convert it with QFX to QBO, or with QFX to IIF on Desktop 2023 or older, which lost Web Connect after May 31, 2026.
QuickBooks Online takes a .qfx directly: Bank transactions → Link account ▾ → Upload from file, then pick the account.

Xero also imports a .qfx as a bank statement (Accounting → Bank accounts → Import a Statement), and the free GnuCash reads OFX/QFX with File → Import → Import OFX/QFX.

6. Open in Excel or Google Sheets

A QFX isn't a spreadsheet, so Excel or Sheets won't turn it into a table, and saving it back from Excel can break the file for Quicken. To get one row per transaction:

Upload the .qfx to QFX to CSV (or QFX to Excel, same file with Excel-first steps). Check the preview.
Download the Clean CSV and open it in Excel, Google Sheets (File → Import) or Numbers.

For the sample file, the first lines of the CSV are exactly:

Date,Description,Amount,Balance
2026-09-01,ACH DEBIT GUSTO PAYROLL 0912,-6420.18,

That's 31 rows: 11 deposits totalling 29,597.43 and 20 payments totalling 28,575.27. Money out is negative, as in the file.

7. Read it in a text editor

A QFX is plain text, so Notepad on Windows or TextEdit on a Mac (in plain-text mode) opens it with right-click → Open With. The sample file starts like this (sign-on section shortened here):

OFXHEADER:100
DATA:OFXSGML
VERSION:102
...
<FI><ORG>Example Community Bank<FID>3000</FI><INTU.BID>3000
...
<STMTTRN><TRNTYPE>DEBIT<DTPOSTED>20260901120000<TRNAMT>-6420.18<FITID>20260901E26D1A27070800<NAME>ACH DEBIT GUSTO PAYROLL 0912

OFXHEADER:100 and DATA:OFXSGML: an OFX 1.x file. A file starting with <?xml is OFX 2.x; both read the same.
INTU.BID: Intuit's bank ID. A QFX from your bank always carries one, and Quicken checks it online. The sample's is for a fictional bank, so the sample isn't a fair Quicken test; use it to see the layout.
ACCTID and ACCTTYPE (CHECKING, SAVINGS, or a CCACCTFROM block for a card): which account it is.
DTSTART/DTEND: the date range. One <STMTTRN> per transaction (the sample has 31), and LEDGERBAL is the ending balance (13440.52 in the sample).
FITID: the bank's ID for each transaction, which Quicken uses to spot repeats.

Don't edit it in Word, which adds smart quotes and wraps lines.

8. Open without Quicken

You don't need Quicken to see what's in a QFX. From most to least useful:

Online, in the browser: QFX to CSV or QFX to Excel, then open the CSV in Excel, Google Sheets or Numbers. Works on Windows, Mac, Chromebook and phones; nothing to install.
Your bookkeeping app: QuickBooks Online and Xero import QFX; for QuickBooks Desktop convert to QBO or IIF.
Free software: GnuCash on Windows, Mac and Linux.
Read the text in Notepad or TextEdit.

Utilly doesn't ship a separate "QFX viewer" or "QFX reader" app; the converter preview, which lists every transaction before you download, is the closest thing. Utilly reads QFX files but doesn't write them; for Quicken it writes QIF (QFX to QIF).

9. QFX to PDF

There's no direct ".qfx to PDF" step, because a QFX has no page layout. Convert it to CSV, open it in Excel or Google Sheets, then use File → Print → Save as PDF (Windows: Microsoft Print to PDF; Mac: the PDF button in the print dialog; Sheets: File → Download → PDF). The result is a list of transactions, not a copy of anyone's bank statement; for that, download the statement PDF from your bank.

10. Why it won't open

What happens	Likely cause	What to do
Double-click does nothing or asks for an app	Quicken isn't installed or isn't set to open .qfx files	Import from inside Quicken, or convert to CSV
Quicken can't validate or authorize the file	The bank no longer supports Web Connect, your subscription has lapsed, or the file came from conversion software (Quicken doesn't support those)	Download a fresh QFX from the bank; otherwise use QFX to QIF and import QIF on Windows
Quicken for Windows won't take an .ofx	Windows Quicken doesn't import plain OFX	Choose the bank's Quicken/QFX download, or OFX to QIF
QuickBooks Desktop refuses it	Desktop Web Connect reads only .qbo	QFX to QBO or QFX to IIF
Excel shows tags, not a table	A QFX isn't a spreadsheet	QFX to CSV, then open the .csv
Can't open it on an iPhone	Quicken's mobile app doesn't import files	Import on your computer and sync, or convert to CSV in the browser
Transactions imported twice	The file overlaps dates already in Quicken	Delete one of each duplicate; next time start the date range after your last transaction

11. Convert your own .qfx

Have the .qfx and want the transactions somewhere useful? Pick the output. Only have PDF statements? Start from the PDF instead.

Turn a .QFX into something you can open

Free up to 100 rows with a full preview first. Files are read in memory and not stored.

QFX to CSV QFX to Excel QFX to QBO QFX to IIF QFX to QIF PDF statement to QIF

Utilly isn't affiliated with Quicken, Intuit, Xero or GnuCash. Menu names change between versions; the paths above are from each vendor's help, checked November 9, 2026. Sources: Quicken, How do I import data into Quicken for Windows?, Windows help Importing files from your bank and Web Connect Troubleshooting; Quicken Mac help, Downloading transactions and Importing securities (drag and drop, Action column); Quicken Mobile App FAQ; Quicken Simplifi manual import; Intuit, Fix Web Connect import errors and Manually upload transactions into QuickBooks Online; GnuCash manual, Importing transactions. The sample file is fictional.

FAQ

Related tools

Bank reconciliation checker: compare a bank statement to your books and list missing, duplicate and mismatched transactions.
Receipt to CSV: turn PDF or photo receipts and invoices into CSV, Excel, or QuickBooks and Xero bill imports.

How to open a .QFX file (Quicken, QuickBooks, Excel, iPhone or no Quicken)