Free sample bank statement files: PDF, CSV, QBO, IIF, QIF and Xero CSV
Need a bank statement file to test an import, a spreadsheet or your own parser, without exposing a client's account? These sample files are free to download, with no sign-up. One fictional business checking statement and one fictional credit card statement, each as the original PDF and in every format QuickBooks, Xero, Quicken and Excel take. Every file holds the same transactions and ties out to the statement's ending balance to the cent, so you can check an import against known totals.
Short answer: download the sample bank statement PDF (Example Community Bank, business checking ending 0427, September 2026, 31 transactions, 12,418.36 to 13,440.52) and pick the file your software imports: QuickBooks Online CSV, .QBO, .IIF, Xero CSV, .QIF or a plain CSV. Import samples into a test or demo company only, never into real books. The credit card set is below.
1. Sample bank statement files
Example Community Bank, Business Checking, account ending 0427, September 1–30, 2026. 31 transactions: 11 credits (Stripe transfers, mobile deposits, Zelle, a wire, interest) and 20 debits (payroll, checks 2041–2043, card purchases, taxes, a transfer to savings, a service fee). Beginning balance 12,418.36, deposits and credits +29,597.43, withdrawals and debits −28,575.27, ending balance 13,440.52.
| Download | Use it to test |
|---|---|
| Statement PDF Text PDF, 1 statement | PDF converters, QuickBooks Online and Xero PDF upload, your own parser |
| QuickBooks Online CSV Date, Description, Amount (MM/DD/YYYY) | QuickBooks Online Upload from file |
| .QBO (Web Connect) Web Connect (OFX 1.02), checking | QuickBooks Online, supported QuickBooks Desktop versions, Xero |
| .IIF IIF, CHECK and DEPOSIT pairs | QuickBooks Desktop, including versions without bank feeds |
| Xero CSV *Date, *Amount, Payee, Description, Reference (YYYY/MM/DD) | Xero Import a Statement |
| .QIF QIF, !Type:Bank | Quicken for Windows, Xero, older tools |
| Plain CSV Date, Description, Amount, Balance (YYYY-MM-DD) | Excel, Google Sheets, scripts |
All seven are the same 31 transactions. The PDF is what a bank gives you; the other six are exactly what Utilly's converter produces from it.
2. Sample credit card statement files
Example Community Bank, Business Cash Rewards Card, account ending 7316, September 1–30, 2026. 21 transactions: a 1,500.00 payment, a 42.18 return, 18 purchases and an interest charge. Previous balance 2,846.12, payments and credits 1,542.18, purchases, fees and interest 1,939.94, new balance 3,243.88. In the import files, purchases are negative and payments and credits are positive, the way QuickBooks and Xero expect card transactions.
| Download | Use it to test |
|---|---|
| Statement PDF Text PDF, 1 statement | Card statement parsing (sections, signs, interest) |
| QuickBooks Online CSV Date, Description, Amount | QuickBooks Online upload into a credit card account |
| .QBO (Web Connect) Web Connect, credit card message set | QuickBooks credit card accounts |
| .IIF IIF, CREDIT CARD and CCARD REFUND | QuickBooks Desktop credit card registers |
| Xero CSV Xero precoded CSV layout | Xero credit card accounts |
| .QIF QIF, !Type:CCard | Quicken for Windows |
| Plain CSV Date, Description, Amount, Balance | Excel, Google Sheets, scripts |
3. Messy bank export files (CSV, Excel, OFX)
Real bank downloads rarely import cleanly. These four files are the same checking account as a bank would export it, so you can test the cleanup step too:
- sample-bank-transactions.csv: an account line above the table, separate Debit and Credit columns, a running Balance, a beginning-balance row and a totals row. Both QuickBooks Online and Xero expect the extra lines, balances and split columns cleaned up first.
- sample-bank-transactions.xlsx: the same thing as an Excel workbook.
- sample-credit-card-transactions.csv: a card export with Transaction Date, Post Date and Type columns.
- sample-bank-transactions.ofx and sample-bank-transactions.qbo: a bank's own OFX and Web Connect download, with the ledger balance 13,440.52.
To see the cleanup done, open one in the matching converter and press its sample button: CSV to QBO, CSV to Xero, Excel to IIF or OFX to IIF.
4. Which file to test in which program
| Program | File to try, and where |
|---|---|
| QuickBooks Online | QuickBooks Online CSV (or .QBO, or the PDF itself) Bank transactions, Link account ▾, Upload from file |
| QuickBooks Desktop, supported versions | .QBO (or .IIF if Desktop refuses the .QBO's bank ID) Banking, Bank Feeds, Import Web Connect Files |
| QuickBooks Desktop 2023 and older | .IIF (Web Connect stopped after May 31, 2026) File, Utilities, Import, IIF Files |
| Xero | Xero CSV (or .QBO, .QIF, or the PDF in the US and Canada) Accounting, Bank accounts, ⋯, Import a Statement |
| Quicken for Windows | .QIF (or QFX from your bank, not a .QBO) File, File Import, QIF File |
| Excel / Google Sheets | Plain CSV Open it, or File, Import |
The IIF posts each transaction to an account named Checking (or Credit Card) against Uncategorized Expense or Uncategorized Income. QuickBooks Desktop creates any account name it can't find, so rename the account in the file, or in the sample company, before importing. Our QBO vs IIF vs QIF guide explains the formats in more depth.
5. Check an import against the totals
The point of a known sample is that you know what the result should be. After importing, check three numbers:
| Check | Bank sample | Card sample |
|---|---|---|
| Number of transactions | 31 | 21 |
| Money in (credits / payments and credits) | 29,597.43 | 1,542.18 |
| Money out (debits / purchases and interest) | 28,575.27 | 1,939.94 |
| Opening to closing balance | 12,418.36 to 13,440.52 | 2,846.12 to 3,243.88 owed |
For the bank sample, 12,418.36 + 29,597.43 − 28,575.27 = 13,440.52. In a spreadsheet with the plain CSV open, =12418.36+SUM(C2:C32) should return 13,440.52. If your import has 30 or 32 rows, or the total is off by a single amount or twice an amount, the importer dropped, doubled or flipped a row. That's the same test to run on real statements; the free bank statement balance checker does it for any list of transactions you paste in.
6. Where to test without touching real books
- Xero: every Xero login includes a Demo Company with fictional data. Xero says it resets automatically every 28 days, removing anything you added, and you can reset it yourself at any time. (Xero Central)
- QuickBooks Desktop: close your company (File, Close Company) and choose Open a sample file in the No Company Open window. Intuit's own troubleshooting articles use these sample files. (Intuit) A restored backup copy of a real file also works, as long as you open the copy.
- QuickBooks Online: Intuit's test drive company (Craig's Design and Landscaping Services) doesn't save changes, and Intuit says it can't connect to a bank; for online banking it points you to an active or trial account. (Intuit) The reliable place to test a bank upload is a trial company or a spare test account, not a client's books.
If a sample does land in real books, undo the import before reconciling: undoing an upload in QuickBooks Online (or Batch Delete in Desktop) and deleting an imported statement in Xero.
7. What these files are not for
Every file says it's fictional: the PDFs carry SAMPLE STATEMENT · FICTIONAL DATA FOR DEMONSTRATION ONLY across the top, the bank and customer are made up, and the account numbers are masked. They're for testing software and learning formats. They are not a template for a statement that looks real, and they can't be used as proof of income, address or funds. Using an altered or made-up statement as proof is fraud.
8. Turning your own statements into these files
When the test works, the same files come from your own statements. Upload a bank or credit card statement PDF on the bank statement to CSV (or QuickBooks, Xero, Excel) page. The preview is free, with no sign-up: you see every row and whether the transactions add up to the statement's ending balance before you pay anything. Downloading a converted statement uses 1 credit ($9 for 5 credits, no subscription) or Pro at $19 a month for unlimited statements. The PDF is processed in memory and not stored.
FAQ
Where can I download a sample bank statement CSV?
On this page, free and with no sign-up: a fictional September 2026 business checking statement as a plain CSV (Date, Description, Amount, Balance), a QuickBooks Online CSV and a Xero CSV, plus a messy bank-style export with Debit and Credit columns. There's a credit card set too.
Is there a sample .QBO or .IIF file for QuickBooks?
Yes. Both statements come as a .QBO Web Connect file and an .IIF file. The bank .QBO has 31 transactions and an ending balance of 13,440.52; the .IIF posts them to an account named Checking against Uncategorized Expense or Uncategorized Income. Import them into a sample or test company, not real books.
Are these real bank statements?
No. Example Community Bank and Sample Customer LLC are made up, the account numbers are masked, and every PDF says SAMPLE STATEMENT, FICTIONAL DATA FOR DEMONSTRATION ONLY. They're for testing imports and software, not for proof of income, address or funds.
How do I know an import of the sample worked?
Check the totals. The bank sample has 31 transactions, 29,597.43 in and 28,575.27 out, from 12,418.36 to 13,440.52. The card sample has 21 transactions, 1,542.18 in payments and credits and 1,939.94 in purchases and interest, from 2,846.12 to 3,243.88 owed. A different count or total means a row was dropped, doubled or flipped.
Can I import the samples into Xero's Demo Company?
Yes. Use the Xero CSV, the .QBO or the .QIF with Import a Statement on a bank account in the Demo Company. Xero resets the Demo Company every 28 days, and you can reset it yourself to clear the test.
Can I use the samples to test my own parser or converter?
Yes. The PDFs are text PDFs (not scans) laid out like a real bank and card statement, and every output file holds the same transactions, so you can compare your parser's rows and totals against ours.
How do I get these files from my own statements?
Upload your statement PDF to Utilly's bank statement converter. The preview is free with no sign-up and shows whether the transactions add up to the ending balance. Downloading uses 1 credit from a $9 pack of 5, or Pro at $19 a month for unlimited statements.
Related guides
- How to import bank transactions into QuickBooks Desktop after bank feeds stopped (2026)
- How to convert a credit card statement PDF to Excel
- QBO vs IIF vs QIF: which file QuickBooks and Quicken actually need
- Catch-up bookkeeping: getting 12 months of bank statements into QuickBooks or Xero and reconciled
- Xero bank statement import errors (and how to fix them)
- How to upload a PDF bank statement to QuickBooks Online (and check nothing was missed)
- QuickBooks Desktop IIF import errors (File not imported, Review now, and how to fix them)
- QuickBooks .QBO (Web Connect) import errors: OL-222, OL-221, “unable to verify the financial institution” and how to fix them
- QuickBooks reconciliation not matching: beginning balance is off, or the difference isn't 0.00
- Duplicate transactions in QuickBooks after an import: find them, remove them, and stop them coming back
- How to import bills into QuickBooks Online from a CSV or Excel file
- Xero bill import CSV template explained: every column, tax setting and error
- How to find a bank reconciliation discrepancy: 7 causes and a 15-minute method
- How to compare a bank statement to the general ledger in Excel (and a faster way)
- Receipt OCR without a subscription: turn receipts into a CSV for QuickBooks or Xero
- Dext, Hubdoc and AutoEntry alternatives: an honest comparison (2026)
- How to bulk upload receipts to QuickBooks Online
- Hubdoc vs Xero Smart Document Capture: which should you use? (2026)
- Free bank reconciliation template for Excel (with a worked example)
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.
