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.
Only have a PDF statement? Use the PDF statement converter.
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.
TRNSTYPE.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 have | What it is | What to do |
|---|---|---|
A QuickBooks Desktop .iif | Tab-separated TRNS / SPL / ENDTRNS. Local Desktop import only; no bank check; no transaction IDs; offset accounts live on SPL rows | Upload it here when you need a Web Connect .qbo for Online or a supported Desktop version. |
A QuickBooks .qbo Web Connect file | OFX 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 download | Bank Web Connect without (or with) Quicken tags | Use 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.
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 IIF | In the .QBO |
|---|---|
| DATE on the TRNS row | The same date, written at noon. |
| AMOUNT on the TRNS row | The 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 n | NAME 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 types | A 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.) |
| Balances | An IIF has none, so the .QBO ending balance is 0.00. Reconcile against your statements. |
| Transaction IDs | None 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.
<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.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.
!TRNS / !SPL / !ENDTRNS headers and matching data rows. Column order can vary; we read the header names.| Problem | Fix |
|---|---|
| "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 .QBO | Web Connect stopped working there after May 31, 2026. Don't convert — import the IIF directly. |
| OL-222, OL-221 or another OL error | See QuickBooks .QBO Web Connect import errors. |
| Transactions imported twice | The file overlapped dates already in QuickBooks (including a prior IIF import of the same rows). See duplicate transactions after importing. |
| Categories / SPL accounts missing | Expected. 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 charges | Choose Credit card as the account type, check the signs in the preview and tick Flip signs if they're backwards. |
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.
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.
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.
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.
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.
No. Files are processed in memory and deleted after 1 hour. We never use your data for AI training.
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.
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.
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.
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.
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.
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.
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.
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.
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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