.QBO to CSV Converter Online (Open in Excel)

Why CSV?

A .QBO file is built for one job: importing into QuickBooks. Double-click it and QuickBooks tries to import it; open it in Excel and you get tags, not a table. To check the transactions first, send them to an accountant, or load them into Wave, Xero, a budget sheet or a script, you need them as rows. Utilly reads the .QBO and writes Clean CSV, one row per transaction. Prefer the Excel-framed walkthrough? Use the .QBO to Excel converter.

.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 a .QBO file to CSV

Find the .QBO file. It's the download your bank labels QuickBooks Web Connect (or QuickBooks (.qbo)). Save it instead of opening it, or QuickBooks will try to import it.
Upload it above. We read each transaction's posted date, amount and payee from the file, and tell checking and savings files from credit card files.
Check the preview. Money out should be negative. Some banks cut the payee to 32 characters; if the memo has the full text, pick the Memo column as the Description.
Download the Clean CSV and open it in Excel, Numbers or Google Sheets (File → Import). In Excel, File → Save As → Excel Workbook keeps it as .xlsx.

.QBO file or QuickBooks Online?

People search "QBO to CSV" for two different things:

You have	What to do
A `.qbo` file from your bank's download page	Upload it on this page. That's the Web Connect format: transactions for one account, meant for importing into QuickBooks.
Data inside QuickBooks Online (reports, the chart of accounts, a register)	You don't need a converter. Open the report in QuickBooks Online and use its Export button (Excel or CSV). This page can't sign in to QuickBooks.
A PDF statement, no .qbo download	Use the bank statement PDF to CSV converter; it checks the rows against the statement balances first.

What's inside a .QBO, and what lands in the CSV

Under the .qbo extension is an OFX 1.x text file with two Intuit tags added (INTU.BID, the bank ID QuickBooks checks). One transaction from our sample file:

<STMTTRN><TRNTYPE>CREDIT<DTPOSTED>20260901120000<TRNAMT>3184.27
<FITID>202609019B6B1ED70CD300<NAME>STRIPE TRANSFER ST-K2M8Q4</STMTTRN>

comes out as:

Date,Description,Amount,Balance
2026-09-01,STRIPE TRANSFER ST-K2M8Q4,3184.27,

In the .QBO	In the CSV
DTPOSTED	Date, year first. The time of day is dropped.
TRNAMT	Amount with its sign kept: deposits positive, withdrawals negative.
NAME, or MEMO when NAME is blank	Description, with entities such as `&` turned back into `&`.
LEDGERBAL	Balance on the last row when the bank includes a usable one; blank otherwise.
FITID, INTU.BID, BANKID, ACCTID	Left out. They matter to QuickBooks' import and duplicate check, not to a spreadsheet.

Which .QBO files work

Bank (checking, savings) and credit card Web Connect downloads, and .qbo files written by other converters.
Files with more than one account: each gets its own tab and CSV, plus one combined CSV with an Account column.
Investment or brokerage .qbo downloads aren't supported.
Free up to 100 transactions; up to 20,000 per file.

Common problems

Problem	Fix
Double-clicking the .qbo opens QuickBooks or an "unable to verify the Financial Institution" error	That's QuickBooks trying to import it. Save the file, then upload it here; the conversion doesn't go through Intuit.
Excel shows tags like <STMTTRN>	You opened the .qbo itself. Open the converted .csv instead.
Card payments look like charges	Set the account type to Credit card in the preview, and tick Flip signs if they're still backwards.
Amounts imported as text in Google Sheets	Use File → Import with "Convert text to numbers" on, or check the spreadsheet's locale under File → Settings.
"No transactions found in that OFX/QFX/QBO file"	The download covers dates with no activity, or it's an investment file. Download it 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 .QBO to Excel converter downloads the same Clean CSV with Excel-first steps (open in Excel, Save As .xlsx).
QuickBooks Desktop won't take the .QBO? Turn it into an .IIF with the QBO to IIF converter.
Need the same .QBO in Quicken? The QBO to QIF converter writes a Quicken .qif for Windows File Import.
Have a Quicken .qif? The QIF to CSV converter writes the same Clean CSV plus a Category column.
Have a QuickBooks Desktop .iif? The IIF to CSV converter keeps the SPL account as Category.
Have an .ofx or .qfx instead? The OFX / QFX to CSV converter, the Quicken-framed QFX to CSV, or the OFX / QFX to Excel walkthrough.
Going the other way? CSV to QBO and Excel to QBO write a .QBO from your spreadsheet.
Just need to open or view the .QBO? How to open a .QBO file covers QuickBooks Desktop (Windows and Mac), QuickBooks Online, Excel and opening it without QuickBooks.
Want to see the format first? Download the sample QBO files (bank and card, made-up data).

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.

Can I open a .QBO file in Excel?

Not as a spreadsheet. A .QBO is a text file of OFX tags, so Excel shows markup or one long column. Convert it here and open the CSV instead: one row per transaction, ready to sort, filter or Save As .xlsx.

Do I need the Excel walkthrough?

No. This page downloads the same Clean CSV for spreadsheets, scripts or any importer that takes CSV. If you want Excel-first steps (open in Excel, Save As .xlsx), use the .QBO to Excel converter.

I meant exporting from QuickBooks Online to Excel. Is this that?

No. "QBO" also means QuickBooks Online, whose reports and lists export to Excel from the Export button on each report. This page converts a .qbo file, the Web Connect download your bank gives you for importing into QuickBooks.

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: no OFX tags, no Debit/Credit pair and no totals row.

Does it work with a credit card .QBO?

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.

Are the transaction IDs (FITID) kept?

No. A CSV has no standard column for them, so they are dropped. If you need them to stop duplicates in QuickBooks, import the original .QBO instead of the CSV.

Can I convert an OFX or QFX file the same way?

Yes. They are the same format underneath. The OFX / QFX to CSV converter takes .ofx, .qfx and .qbo files alike.

Convert a .QBO file to CSV

Why CSV?

How to convert a .QBO file to CSV

.QBO file or QuickBooks Online?

What's inside a .QBO, and what lands in the CSV

Which .QBO files work

Common problems

Other conversions

Pricing

Questions

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