OFX / QFX to CSV Converter Online (Free)

Why CSV?

A clean CSV is what most apps and scripts ask for when they say CSV: one signed Amount, year-first dates, no bank preamble. Banks that still offer OFX or Quicken QFX leave you with a file Excel and most importers won't open raw. Utilly reads the transactions and writes Clean CSV. Prefer the Excel-framed page? Use the OFX / QFX to Excel converter. Looking for a Quicken QFX-first walkthrough? Use the QFX to CSV converter.

How to convert OFX or QFX to CSV

Download the OFX or QFX file from your bank or card issuer for the dates you need (a Web Connect .qbo file works too).
Upload it above. We read each transaction's posted date, amount and payee, and tell bank files from credit card files.
Check the preview. Money out should be negative. If the useful text is in the memo, pick the Memo column as the Description.
Download the Clean CSV. Columns are Date, Description, Amount and Balance — ready for spreadsheets, scripts or any importer that takes CSV.

What carries over from the OFX file

One transaction in the OFX or QFX file:

<STMTTRN><TRNTYPE>DEBIT<DTPOSTED>20260901120000<TRNAMT>-6420.18
<FITID>20260901E26D1A27070800<NAME>ACH DEBIT GUSTO PAYROLL 0912</STMTTRN>

becomes this Clean CSV row:

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

In the OFX / QFX	In the Clean CSV
DTPOSTED (posted date)	Date column, written YYYY-MM-DD. The time and time zone are dropped.
TRNAMT (amount)	Amount column, signed as in the file, two decimals: negative for money out.
NAME (or MEMO when NAME is empty)	Description column. HTML entities are unescaped before writing, so a payee stored as `H&M` lands as `H&M`.
LEDGERBAL (ending balance)	Copied into Balance for the final row if the download includes a ledger we can trust; otherwise the cells stay empty.
Credit card statement block (CCSTMTRS)	Same four columns. Charges negative, payments and credits positive.
FITID (transaction ID)	Not in the CSV. Spreadsheets and most CSV importers have no field for them.

Which files work

OFX 1.x (SGML) and OFX 2.x (XML) files, Quicken QFX files and QuickBooks Web Connect .qbo files.
Bank and credit card statement downloads. Investment (brokerage) downloads aren't supported.
Downloads with several accounts in one file: each account is read and downloaded on its own, with its type and last 4 digits in the file name, plus one combined CSV with an Account column.
Entity-encoded payees are unescaped into the CSV (for example H&M → H&M), and UTF-8 or Windows-1252 accented names stay readable.
Free up to 100 transactions, and up to 20,000 per file.

Common problems

Problem	Fix
Importer rejects the file or sees one long column	Confirm the delimiter is comma and the character set is UTF-8. Don't paste the file contents into a cell; upload or open the .csv itself.
Dates look like text, or day and month are swapped	Our dates are year-first (YYYY-MM-DD). Tell the importer the Date column is a date, or keep them as text — they still sort correctly.
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.
Balance column is empty	The OFX file didn't carry a usable ledger balance. Reconcile against your statement, or add a running-balance formula after import.
"No transactions found in that OFX/QFX/QBO file"	The download has no transactions for that date range, or it's an investment file. Download the bank or card account again with a wider date range.

Other conversions

Have a BAI2 file from a US bank? The BAI2 to CSV converter reads previous-day cash-management files (03/16/88 records), puts the decimal point back on amounts in cents and checks each day against the opening and closing ledger.
Have an MT940 (.sta) statement from a European bank? The MT940 to CSV converter reads :61:/:86: bookings and checks each statement against its opening and closing balance.
Have a camt.053 (ISO 20022 XML) statement? The CAMT.053 to CSV converter reads those bank-to-customer XML files and checks each statement against its booked opening and closing balances.
Want the Excel walkthrough instead? The OFX / QFX to Excel converter downloads the same Clean CSV with Excel-first steps (open in Excel, Save As .xlsx).
Have a Quicken .qfx specifically? The QFX to CSV converter is the same Clean CSV with Quicken QFX-first steps (QFX vs OFX vs QBO).
Have a Quicken .qif file? Use the QIF to CSV converter; it also keeps the categories.
Have a QuickBooks Desktop .iif? The IIF to CSV converter keeps the SPL account as Category.
Have a QuickBooks Web Connect .qbo file? It works here too; the .QBO to CSV page explains .qbo files and the QuickBooks Online mix-up.
OFX or QFX to QBO for QuickBooks: the OFX / QFX to QBO converter.
OFX or QFX to IIF for QuickBooks Desktop: the OFX / QFX to IIF converter.
OFX or QFX to QIF for Quicken: the OFX / QFX to QIF converter.
Only have PDF statements? The bank statement PDF to CSV converter checks each statement against its balances first.
Just need to open or view the OFX? How to open an OFX or QIF file covers Excel, Quicken, QuickBooks and text editors.
CSV or Excel to OFX the other way: the CSV to OFX converter. Sample OFX to inspect: sample OFX file.

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.

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 columns are in the CSV?

Date (YYYY-MM-DD), Description, Amount (money out negative) and Balance. That's the same Clean CSV as our PDF converter. There is no bank preamble, no separate Debit/Credit pair and no totals row.

Can I convert a QFX file to CSV?

Yes. QFX is Quicken's version of OFX. Upload the .qfx here, or use the Quicken-framed QFX to CSV converter — same Clean CSV either way. A QuickBooks .qbo Web Connect file works the same way.

Do I need Excel for this?

No. The download is a plain CSV for spreadsheets, scripts, Wave, Zoho Books, FreshBooks or any importer that takes CSV. If you specifically want the Excel-framed walkthrough (open in Excel, Save As .xlsx), use the OFX / QFX to Excel converter.

Does it work with credit card OFX or QFX files?

Yes. Card downloads are detected. Charges and fees come out negative; payments and credits positive. You can also choose Credit card as the account type in the preview.

Will the Balance column be filled in?

When the OFX or QFX carries a usable ledger balance, yes — it lands on the last row. Otherwise Balance is blank and you reconcile against your statement.

My bank's OFX has checking and savings in one file. Will that work?

Yes. Each account gets its own tab and its own CSV, named with the account type and last 4 digits. You can also download every account in one CSV with an Account column. One credit covers the whole file.

Convert OFX or QFX to CSV

Why CSV?

How to convert OFX or QFX to CSV

What carries over from the OFX file

Which files work

Common problems

Other conversions

Pricing

Questions

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