Free · runs in your browser
CSV to QBO Converter
Most banks let you download transactions as CSV, but QuickBooks Desktop only imports bank activity as a Web Connect .qbo file. Drop your CSV below, check that the date and amount columns are detected correctly, and download a .qbo file ready for QuickBooks.
1. Check the columns
✓ Using your saved column settings for this file layout.
2. Preview
| Date | Description | Amount |
|---|
3. Download
Settings (bank ID, account number)
QuickBooks Desktop matches the bank ID against its list of Web Connect banks. Keep 3000 unless QuickBooks says the bank is not supported. The account number only tells QuickBooks which account the file belongs to.
Done — your file is downloading.
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How to convert CSV to QBO
- Download your transactions from online banking as a CSV file.
- Drop the file into the converter. Date, description and amount (or debit/credit) columns are detected automatically — adjust them if needed.
- Choose the account type (checking, savings or credit card) and click “Download QBO”.
- In QuickBooks Desktop go to File → Utilities → Import → Web Connect Files, or in QuickBooks Online use Banking → Upload transactions.
Importing the .qbo file into QuickBooks
QuickBooks Desktop: File → Utilities → Import → Web Connect Files, select the .qbo file, then link it to an existing bank account or create a new one. Review the transactions in the Bank Feeds center.
QuickBooks Online: Banking → Bank transactions → Link account (or Upload transactions) → Upload from file, choose the .qbo file and the account it belongs to, then review and categorise the transactions.
Tip: always import into the correct account and check the date range first — QuickBooks uses each transaction’s ID to skip ones it has already seen.
Related guides
- How to Convert CSV to QBO (Free, Without Uploading Your Bank Data)
- How to Import Bank and Credit Card Transactions into QuickBooks (Online & Desktop)
- How to Import a CSV File into QuickBooks Online (Bank Transactions)
- QuickBooks Bank Feed Errors (102, 103, 324, 9999) and How to Keep Working
Frequently asked questions
Are my bank files uploaded to your server?
No. The converter runs entirely in your browser with JavaScript. Your file is read and converted on your own computer and never leaves it — you can even disconnect from the internet after the page loads.
What CSV layout do I need?
Any layout with a date column, a description column and either a single amount column or separate debit and credit columns. Headers are optional, and comma, semicolon or tab separators all work.
QuickBooks Desktop says my bank is not supported. What do I do?
QuickBooks Desktop checks the bank ID (INTU.BID) inside a .qbo file against its list of Web Connect banks. Open “Settings” in the converter, enter the bank ID of a bank QuickBooks supports (the default 3000 works for most users) and convert again.
Will importing the same file twice create duplicates?
Each transaction gets a stable ID (FITID) built from its date, amount and description, so QuickBooks recognises transactions it has already imported.
Is the converter really free?
Yes. Converting CSV, Excel, QBO, QFX, OFX and QIF files is free with no sign-up and no transaction limit. A paid Pro plan for PDF bank statements and batch conversion is coming — join the waitlist to get early access.