Convert a .QBO file to QIF for Quicken

How to convert a .QBO file to QIF

1. Save the .QBO from your bank or card issuer (the download labeled QuickBooks Web Connect or QuickBooks (.qbo)). Don't double-click it, or QuickBooks will try to import it. A converter-made .qbo works the same way.
2. Upload it above. Each posted row becomes one Quicken entry: the date, the signed amount and the payee. Checking and savings files are told apart from credit card files.
3. Check the preview. Money out should be negative. If the bank truncated NAME to 32 characters and the useful text sits in the memo, pick the Memo column as the Description.
4. Save the QIF, then make a backup of your Quicken data file first (import notes).
5. Bring it into Quicken Classic for Windows with File → File Import → QIF File: select the download and the account those rows belong in. On a Mac, QIF will not land in a file you already use (details below).

.QBO file, QuickBooks Online, or Quicken?

Searches such as "qbo to qif", "convert qbo to qif" and "qbo to quicken" mix up three different things:

A .qbo is built for QuickBooks. Quicken for Windows reads QIF under File → File Import → QIF File. Converting strips the Intuit bank tags Quicken would otherwise have nothing useful to do with, and writes a bank or card QIF you pick an account for.

Every QIF record letter, including the ones this converter does not write, is explained with a real sample on QIF file format.

What carries over from the .QBO file

One transaction in our sample QuickBooks Web Connect file (made-up data):

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

becomes this in the QIF:

!Type:Bank
D09/01/2026
T-6420.18
PACH DEBIT GUSTO PAYROLL 0912
MACH DEBIT GUSTO PAYROLL 0912
^

Getting the QIF into Quicken

1. Back up your Quicken data file. A QIF import cannot be undone in one click, and because a QIF has no transaction IDs, Quicken cannot tell a repeat from a new row.
2. Create the account first if it isn't in Quicken yet: checking or savings for a bank .qbo, a credit card account for a card .qbo. Quicken's help says the account must already exist and appear in the QIF Import dialog's account list (Quicken help: accounts missing from the QIF Import dialog, read Oct 26, 2026).
3. On Windows: choose File → File Import → QIF File, then point Quicken at the download and the matching account in Quicken account to import into.
4. Quicken for Mac: an existing data file will not take a QIF. The only Mac path Quicken documents is File → New → Start from a .QIF file, which creates a brand-new file. For months you add later on a Mac, use the bank's own QFX Web Connect download, or Quicken's Mint-style CSV import — that CSV layout is not something we write yet.
5. Check the register afterwards. Compare the account's balance on the last imported date with your bank or card statement. The QIF we write has no ending balance in it.

QuickBooks Desktop and QuickBooks Online never import QIF. Keep the original .qbo when Desktop still accepts Web Connect, or use QBO to IIF on a discontinued version (Desktop 2023 after May 31, 2026 lost bank feeds and .QBO Web Connect; IIF import still works). Prefer a spreadsheet? Use QBO to CSV or QBO to Excel.

Which .QBO files work

• Bank (checking, savings) and credit card Web Connect downloads, and .qbo files written by other converters.
• A plain .ofx or Quicken .qfx uploads here too; the OFX / QFX to QIF and QFX to QIF pages have format-first steps for the same download.
• Files with several accounts: each gets its own tab and its own QIF, named after the account type and last 4 digits (for example …-savings-7788.qif), plus a combined CSV whose first column is the Account. Import each QIF into its matching Quicken account. One credit covers the whole file.
• Investment or brokerage .qbo downloads aren't supported.
• HTML entities and international characters are restored: H&M becomes H&M, and accented names in UTF-8 or Windows-1252 survive the conversion.
• Free up to 100 transactions, and up to 20,000 per file.

Common problems

Other conversions

• Want rows in Excel or Sheets instead? Use .QBO to CSV or .QBO to Excel — both download the same Clean CSV.
• QuickBooks Desktop rejects the .QBO? Convert it to an .IIF with the QBO to IIF converter.
• Going the other way (QIF → QBO) for QuickBooks Online or a supported Desktop version: the QIF to QBO converter.
• Have a plain .ofx or Quicken .qfx? The OFX / QFX to QIF converter and the QFX to QIF converter write the same Quicken file with format-first steps.
• Bank CSV or Excel to QIF: CSV to QIF and Excel to QIF. QuickBooks Desktop IIF to QIF: the IIF to QIF converter.
• Working from paperless PDFs? The bank statement PDF to QIF converter ties every statement to its printed balances before you download.
• Not sure which format you need? See QBO vs IIF vs QIF and the sample QBO files guide.
• Just want to look inside the .QBO? See how to open a .QBO file.