QBO to CSV Converter
Drop a .qbo file and get its transactions as a CSV you can open in Excel, Google Sheets or Numbers.
How to use
- Step 1Drop the .qbo file (a QFX or OFX from the same bank works the same way). It is read in the browser and converted at once.
- Step 2Download the CSV. It has a UTF-8 byte-order mark, so Excel opens it with accents intact; Google Sheets and Numbers read it as well.
- Step 3Sort or filter in the spreadsheet: one row per transaction with date, amount, type, payee, memo, check number, running balance and the bank's transaction id.
Two things called QBO
A .qbo file is a Web Connect statement: the bank's download for QuickBooks Desktop, an OFX text file with Intuit's sign-on tags. QuickBooks Online is also abbreviated QBO, and "export QBO to CSV" often means getting data out of the program, which no file converter can do. For that, open the report you need in QuickBooks Online (Reports → Transaction List by Date, for example) and use the export icon above it to save an Excel file.
This page handles the file. It reads bank statements (STMTRS) and credit-card statements (CCSTMTRS), OFX 1.x SGML and OFX 2.x XML, so a Quicken .qfx or a plain .ofx from the bank converts the same way. A file with several accounts in it gives one CSV per account.
What the columns hold
Rows come out oldest first. Amounts keep the sign of the file: money in positive, money out negative, charges on a card negative. Type is the bank's TRNTYPE code (DEBIT, CREDIT, CHECK, DEP, ATM, POS, XFER, PAYMENT, INT, FEE and a few others). The running balance is worked backwards from the LEDGERBAL block, the balance the bank states as of the end of the statement: it is exact when the file covers a closed period and empty when the file has no ledger balance or it is dated before the last transaction. FITID is the bank's id for the line, useful for matching against a later download.
| Column | From | Empty when |
|---|---|---|
| Date | DTPOSTED (the posting date; the time and time zone are dropped) | never |
| Amount | TRNAMT | never |
| Type | TRNTYPE | never |
| Payee | NAME, or PAYEE › NAME | the bank sent none |
| Memo | MEMO | the bank sent none |
| Check number | CHECKNUM | not a check |
| Running balance | LEDGERBAL minus the later transactions | no ledger balance in the file |
| FITID | FITID | never |
What is not in a QBO file
No categories, no splits, no reconciliation marks: those live in QuickBooks, not in the download. A Web Connect file also has no opening balance; only the ending ledger balance and sometimes an available balance. If you need a full year, download the months separately from the bank and convert each file, then paste the sheets together; the FITID column shows any line that appears twice.
Questions and answers
Excel shows the dates as text. How do I get real dates?
The dates are written as 2026-01-15 (ISO), which Excel recognises when the file is opened directly. If they still show as text, select the column and use Data → Text to Columns with the format YMD, or apply a date format to the column.
Why is the running balance empty?
The file has no LEDGERBAL block, or its balance is dated before the last transaction, so the numbers cannot be worked backwards reliably. Some banks write 0.00 as the balance in downloads; then the column is computed from that and is only right relative to it.
Can I convert a QFX or OFX file here too?
Yes. QFX (Quicken) and QBO (QuickBooks) are OFX files with an Intuit header; the reader accepts all three and both OFX syntaxes, SGML and XML.
Does this open a QuickBooks company file or export from QuickBooks Online?
No. It reads statement files only. Company data (.qbw, .qbb) and QuickBooks Online reports are exported from QuickBooks itself, to Excel.