Free converter · IIF → QBO

Convert IIF to QBO for QuickBooks

Convert a QuickBooks Desktop .IIF file to a QuickBooks .QBO Web Connect file. Dates, signed amounts and payees carried over, each account kept separate. Free up to 100 transactions.

Free up to 100 rowsColumns detected automaticallyFiles deleted after 1 hour
Processed in memory, never stored
No file handy? See the result on a fictional one first:

Only have a PDF statement? Use the PDF statement converter.

Why QBO?

QuickBooks Online doesn't import IIF, and Desktop Web Connect only reads .qbo files. Utilly reads each TRNS row and writes a Web Connect file with bank ID 3000 and stable transaction IDs. Prefer a spreadsheet with SPL accounts as Category? Use IIF to CSV or IIF to Excel. Going the other way? Use QBO to IIF.

.QBO import failing with OL-222, OL-221 or "unable to verify the Financial Institution"? See QuickBooks .QBO Web Connect import errors.

How to convert IIF to QBO

  1. Get the IIF. Reuse a QuickBooks Desktop .IIF you already built for import, a file from Review now after a failed import, or one written by a converter. Our sample IIF file shows a working bank file. Prefer date ranges that aren't already in QuickBooks.
  2. Upload it above. Each TRNS / SPL / ENDTRNS block becomes one bank transaction. The TRNS amount keeps its sign; bank and credit card types are told apart from TRNSTYPE.
  3. Check the preview. Money out should be negative. Leave Account last 4 or nickname (QBO) blank to reuse a stable ID from the IIF's TRNS account name, or type a nickname so every monthly file lands on the same QuickBooks account ID.
  4. Download the .QBO and back up your company file (steps below).
  5. Import. On Desktop versions that still support Web Connect: File → Utilities → Import → Web Connect Files, then map the download to the right account. In QuickBooks Online open Bank transactions, choose Link account ▾, then Upload from file. QuickBooks Online does not import IIF, which is the usual reason to convert.

IIF vs QBO (Web Connect)

People search "iif to qbo" with a QuickBooks Desktop .IIF in hand and QuickBooks Online (or a Desktop version that still has Web Connect) waiting for a .qbo. The two formats do different jobs:

You haveWhat it isWhat to do
A QuickBooks Desktop .iifTab-separated TRNS / SPL / ENDTRNS. Local Desktop import only; no bank check; no transaction IDs; offset accounts live on SPL rowsUpload it here when you need a Web Connect .qbo for Online or a supported Desktop version.
A QuickBooks .qbo Web Connect fileOFX plus Intuit tags for QuickBooks (not "QuickBooks Online" the product)Already the right shape for Desktop/Online Web Connect. Going the other way? Use the QBO to IIF converter.
An OFX or Quicken QFX downloadBank Web Connect without (or with) Quicken tagsUse the OFX / QFX to QBO converter instead — same .qbo output from a different source.

IIF is Desktop-only. QuickBooks Online's Upload from file takes QBO, QFX, OFX, CSV and TXT — not IIF. Converting writes a proper Web Connect header with bank ID 3000 and a FITID on every transaction.

What carries over from the IIF

One payroll debit in our sample QuickBooks Desktop IIF (made-up data):

!TRNS	TRNSTYPE	DATE	ACCNT	NAME	AMOUNT	DOCNUM	MEMO
!SPL	TRNSTYPE	DATE	ACCNT	NAME	AMOUNT	DOCNUM	MEMO
!ENDTRNS
TRNS	CHECK	09/01/2026	Business Checking		-6420.18		ACH DEBIT GUSTO PAYROLL 0912
SPL	CHECK	09/01/2026	Payroll		6420.18		
ENDTRNS

becomes this in the .QBO (account ID derived from "Business Checking"):

<STMTTRN><TRNTYPE>DEBIT<DTPOSTED>20260901120000<TRNAMT>-6420.18
<FITID>202609015DCA91C8B0BC00<NAME>ACH DEBIT GUSTO PAYROLL 0912
<MEMO>ACH DEBIT GUSTO PAYROLL 0912</STMTTRN>
In the IIFIn the .QBO
DATE on the TRNS rowThe same date, written at noon.
AMOUNT on the TRNS rowThe same signed amount, two decimals. TRNTYPE is CREDIT for money in and DEBIT for money out.
NAME, or MEMO when NAME is empty, or DOCNUM as CHECK nNAME cut to 32 characters, with the full text in MEMO. & becomes "and".
TRNS ACCNT (for example Business Checking)Names the account's tab and download, and makes the account ID when you leave the nickname blank, so the same account gets the same ID every month. Or type your own.
CREDIT CARD / CCARD REFUND typesA credit card Web Connect file. Import it into a Credit Card account.
SPL ACCNT (Payroll, Office Expenses, Split: …)Dropped. A .QBO has no place for categories or split lines. A multi-SPL transaction comes through as one line for the TRNS total. (The Clean CSV keeps the category: see IIF to CSV or IIF to Excel.)
BalancesAn IIF has none, so the .QBO ending balance is 0.00. Reconcile against your statements.
Transaction IDsNone in an IIF. Each .QBO row gets a new ID made from the account, date, amount and description (see below).

Every file says bank ID 3000, so QuickBooks Desktop may label the download Wells Fargo. The transactions still go into the account you pick.

Account names and IDs

  • TRNS ACCNT → account ID. When the IIF names the bank or card account (Business Checking in the sample), that name seeds a stable 8-digit ACCTID so converting the same account again lands on the same QuickBooks account. Type a nickname in the preview to override it.
  • Several accounts in one IIF. Different TRNS ACCNT values each get their own tab in the preview and their own .QBO, named after the account. Import each into its matching QuickBooks account. One credit covers the whole file.
  • Bank ID 3000. Every file we write says <FI><ORG>Utilly<FID>3000</FI><INTU.BID>3000. You can't set a different bank ID here. If Desktop says it can't verify the financial institution, keep the IIF and import it under File → Utilities → Import → IIF Files instead — IIF has no bank check.
  • New transaction IDs. The same transaction always gets the same FITID when you convert it again, so importing two overlapping .QBO files made here skips the repeats. An IIF has no IDs of its own (and no duplicate check when you import it as IIF). If you already posted these dates from the IIF into Desktop, the new .QBO FITIDs won't match those rows — import only dates that aren't in QuickBooks yet.

Before you import: Desktop vs Online

  1. Back up your company file (Desktop) or confirm the date range isn't already in the register (Online).
  2. QuickBooks Desktop (a version that still has online banking / Web Connect): File → Utilities → Import → Web Connect Files, choose the .qbo and pick the account. Desktop 2023 lost Web Connect after May 31, 2026 — on that version keep the IIF and import it under File → Utilities → Import → IIF Files instead of converting.
  3. QuickBooks Online: Bank transactions → Link account ▾ → Upload from file. Online never takes IIF; the .QBO (or a Clean CSV) is the path in. Online may also accept QFX/OFX/CSV for the same rows — pick one path and don't overlap dates.
  4. Check the register afterwards. Categories from the IIF's SPL rows aren't in the .QBO, so set up bank rules by payee or categorize by hand. The ending balance in the file is 0.00 when the IIF had no balances.

Web Connect on Desktop checks the bank ID against Intuit's list. Online's Upload from file is a separate path and doesn't use Desktop's bank-feed service — behavior can differ between products and versions.

Which IIF files work

  • Transaction IIFs with !TRNS / !SPL / !ENDTRNS headers and matching data rows. Column order can vary; we read the header names.
  • Bank types (CHECK, DEPOSIT, …) and card types (CREDIT CARD, CCARD REFUND). Card files keep charges negative and refunds positive when signed that way.
  • Files with several accounts (different TRNS ACCNT values): one tab and one .QBO per account, plus a combined CSV whose first column is the Account.
  • List-only IIFs (accounts, customers, vendors with no TRNS rows) are refused with a message — there's nothing to put in a Web Connect file.
  • Free up to 100 transactions, and up to 20,000 per file. QuickBooks Online takes up to 1,000 transactions and 350 KB per upload, so convert long histories in smaller date ranges.

Common problems

ProblemFix
"Unable to verify the Financial Institution information for this download"Desktop didn't accept bank ID 3000. Keep the original .IIF and import it under File → Utilities → Import → IIF Files, or see .QBO Web Connect import errors.
QuickBooks Desktop 2023 won't take any .QBOWeb Connect stopped working there after May 31, 2026. Don't convert — import the IIF directly.
OL-222, OL-221 or another OL errorSee QuickBooks .QBO Web Connect import errors.
Transactions imported twiceThe file overlapped dates already in QuickBooks (including a prior IIF import of the same rows). See duplicate transactions after importing.
Categories / SPL accounts missingExpected. A .QBO is bank rows only. Use IIF to CSV if you need the Category column, or categorize in QuickBooks after import.
"No transactions found in that IIF file"The file only had lists (accounts, names) or the keywords were renamed. Rebuild with TRNS/SPL/ENDTRNS rows, or check it with the free IIF file checker.
Card payments show as chargesChoose Credit card as the account type, check the signs in the preview and tick Flip signs if they're backwards.

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Pricing

Free for files up to 100 transactions, which covers a typical month of activity. Larger files (a year of catch-up, a client's full history) use 1 credit from the same $9 pack of 5 as our PDF statement converter, or unlimited on Pro at $19/month. The preview is always free.

FAQ

Questions

Is it free?

Yes for files up to 100 transactions: no sign-up, no watermark. Bigger files (multi-month catch-up work) use 1 credit from the same $9 / 5-credit pack as our PDF converter, and the preview is always free.

How do I import the QBO file?

QuickBooks Desktop: Banking → Bank Feeds → Import Web Connect Files (signed in to your Intuit Account), then pick the account. QuickBooks Online: Bank transactions (All apps → Accounting) → Link account ▾ → Upload from file. If your Desktop version no longer accepts Web Connect files, download the .IIF instead.

Can I import files for several accounts into one QuickBooks company file?

Yes. Type each account's last 4 digits or a nickname in the preview, under Account last 4 or nickname (QBO), and use the same one every month. Each .QBO then carries that account's own ID, and each transaction's ID is made from its date, amount, description and account. QuickBooks keeps the accounts apart, and when two files overlap, Desktop skips the transactions it has already imported (as long as they're worded the same in both). Leave the box blank and we use the account number's last 4 digits from an OFX/QFX/QBO file, or an ID made from the file's columns and account type.

What ending balance does the .QBO show?

The last balance in your file's Balance column, if that column matches every row, or the ending balance inside an OFX, QFX or QBO file you upload. Otherwise 0.00, because the format requires a balance and we won't guess one. Reconcile against your statement either way.

Is my file stored?

No. Files are processed in memory and deleted after 1 hour. We never use your data for AI training.

Can I try it without uploading my own file?

Yes. Click a sample button under the upload box. It opens a made-up export from a fictional bank in the same preview your own file gets, and every format is free to download, so you can test an import in a test or backup company file first. Don't import a sample into your real books.

What's the difference between IIF and QBO?

IIF is QuickBooks Desktop's tab-separated import (TRNS/SPL/ENDTRNS): local, no bank check, no transaction IDs, with offset accounts on SPL rows. QBO is QuickBooks Web Connect (OFX plus Intuit bank tags): Desktop File → Utilities → Import → Web Connect Files on supported versions, and Online Upload from file. Online does not import IIF.

Does QuickBooks Online import IIF?

No. Online's Upload from file takes QBO, QFX, OFX, CSV and TXT. Convert the IIF to a .QBO here (or to a Clean CSV), then upload.

Are my SPL accounts kept?

No. A .QBO carries only bank transactions: date, amount and description. SPL accounts, split lines and DOCNUM categories are dropped, and a multi-SPL transaction comes through as one line for its total. Use IIF to CSV or IIF to Excel if you need the Category column.

Which account ID does the .QBO use?

When the IIF names the TRNS account (for example Business Checking), that name seeds a stable account ID so every monthly file from the same account matches. Or type a nickname in Account last 4 or nickname (QBO). The bank ID is always 3000.

Does the .QBO keep IIF duplicate protection?

An IIF has no duplicate check and no transaction IDs. The .QBO we write adds FITIDs made from the account, date, amount and description, so converting the same IIF again skips repeats. Those IDs won't match rows you already imported as IIF — import only dates that aren't in QuickBooks yet.

Can I convert a credit card IIF to QBO?

Yes. CREDIT CARD and CCARD REFUND types are detected and written as a credit card Web Connect file. You can also choose Credit card as the account type in the preview.

My IIF has several accounts. Will that work?

Yes. Each TRNS account gets its own tab in the preview and its own .QBO, named after the account. Import each into its matching QuickBooks account. One credit covers the whole file.

Can I convert IIF to CSV or Excel?

Yes. Use the IIF to CSV converter or the IIF to Excel converter (same Clean CSV, Excel-first steps), which keep the SPL account as Category.

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