Bank statement to QBO
Upload a PDF statement (or a scan) and download a .qbo file for QuickBooks. It carries one transaction per row with the dates, descriptions, and amounts mapped to the fields the import reads, so the lines arrive in statement order.
Upload a file
What the QBO file contains
- One transaction per line, in the order the statement prints them
- Dates, descriptions, and amounts mapped to the fields the import expects
- Debits and credits kept on the side the statement puts them
- A file you upload through the bank-feed import, not a spreadsheet to clean up first
What the QBO file looks like
A QBO file is OFX with Intuit’s bank ID, <INTU.BID>, in the sign-on block — the tag that makes QuickBooks treat it as a bank download. Each <STMTTRN> block is one transaction; <FITID> is the ID QuickBooks uses to skip a line it has already imported, so loading the same statement twice does not double it.
OFXHEADER:100
DATA:OFXSGML
VERSION:102
SECURITY:NONE
ENCODING:USASCII
CHARSET:1252
COMPRESSION:NONE
OLDFILEUID:NONE
NEWFILEUID:NONE
<OFX>
<SIGNONMSGSRSV1>
<SONRS>
<STATUS>
<CODE>0</CODE>
<SEVERITY>INFO</SEVERITY>
</STATUS>
<DTSERVER>20260310120000</DTSERVER>
<LANGUAGE>ENG</LANGUAGE>
<INTU.BID>3000</INTU.BID>
</SONRS>
</SIGNONMSGSRSV1>
<BANKMSGSRSV1>
<STMTTRNRS>
<TRNUID>1</TRNUID>
<STATUS>
<CODE>0</CODE>
<SEVERITY>INFO</SEVERITY>
</STATUS>
<STMTRS>
<CURDEF>USD</CURDEF>
<BANKACCTFROM>
<BANKID>000000000</BANKID>
<ACCTID>0000000000</ACCTID>
<ACCTTYPE>CHECKING</ACCTTYPE>
</BANKACCTFROM>
<BANKTRANLIST>
<DTSTART>20260302</DTSTART>
<DTEND>20260306</DTEND>
<STMTTRN>
<TRNTYPE>DEBIT</TRNTYPE>
<DTPOSTED>20260302</DTPOSTED>
<TRNAMT>-120.00</TRNAMT>
<FITID>20260302-12000-DirectDebit</FITID>
<NAME>Direct Debit 4471 Acme Insurance</NAME>
<MEMO>Direct Debit 4471 Acme Insurance</MEMO>
</STMTTRN>
<STMTTRN>
<TRNTYPE>DEBIT</TRNTYPE>
<DTPOSTED>20260304</DTPOSTED>
<TRNAMT>-38.40</TRNAMT>
<FITID>20260304-3840-CardPayment</FITID>
<NAME>Card Payment Corner Grocer</NAME>
<MEMO>Card Payment Corner Grocer</MEMO>
</STMTTRN>
<STMTTRN>
<TRNTYPE>CREDIT</TRNTYPE>
<DTPOSTED>20260306</DTPOSTED>
<TRNAMT>500.00</TRNAMT>
<FITID>20260306-50000-TransferRec</FITID>
<NAME>Transfer Received J Smith</NAME>
<MEMO>Transfer Received J Smith</MEMO>
</STMTTRN>
</BANKTRANLIST>
<LEDGERBAL>
<BALAMT>2341.60</BALAMT>
<DTASOF>20260306</DTASOF>
</LEDGERBAL>
</STMTRS>
</STMTTRNRS>
</BANKMSGSRSV1>
</OFX>Already have a CSV, QFX or QIF file?
This page reads PDF statements and scans. If your bank lets you export transactions as a file, start from that instead: the CSV to QBO converter turns a bank CSV into a .qbo with nothing to map, QFX to QBO and QIF to QBO do the same for Quicken files, and QBO to CSV shows what a .qbo holds before you upload it. Each file counts as one page.
The upload itself — Bank transactions › Upload from file, Intuit’s 350 KB and 1,000-line limits, avoiding duplicates — is in the QuickBooks import guide.
How to convert
Upload your statement
Drop in the PDF you downloaded from your bank, or a scan of a paper statement.
Choose QuickBooks
Leave the output format on QuickBooks — it is preselected on this page.
Upload the file to your books
Bring the .qbo in through the bank-feed import in QuickBooks Online.
Statements it handles
Layouts differ from bank to bank, so nothing is matched against a fixed template. An unusual statement still produces a table you can check before exporting — which is what makes it usable for bookkeepers and accountants who receive statements from every client.
PDF statements and CSV exports
A statement downloaded from your bank, or the CSV your bank lets you export. Both arrive as the same clean table.
Multi-page statements, read as one table
A statement that runs over several pages — or several statements uploaded together — is read as one continuous table, not one file per page.
Amounts and dates kept as your bank prints them
Debit and credit signs, decimal places and date formats are left as printed, so the numbers still reconcile against the statement.
Scanned, image-only PDFs, read with OCR
A statement with no text layer is read with OCR and may need a quick review — the one case where a row can come out wrong.
- CSV
- Scan
Rows are read by what they are — a date, a description, an amount — not by where they sit on the page, so a wrapped description stays with its transaction and a closing balance never becomes one. Why OCR mangles bank statements
Frequently asked questions
How do I convert a bank statement to QBO?
Upload the PDF from your bank (or a scan) above, keep QuickBooks as the output format, and download the .qbo file. No account and nothing to install.
What is a QBO file?
QBO is the file format QuickBooks Online reads when you bring in transactions from a bank. It carries the date, description, and amount of each line.
Does it work with QuickBooks Online?
The output is a .qbo file, which is the format QuickBooks Online uses for bank-feed imports. QuickBooks Desktop reads a different format (IIF), which is not produced here.
Will debits and credits stay on the right side?
Amounts are read from the statement as printed and kept on the side the statement puts them, rather than being re-signed from a single column.
Is my statement kept after conversion?
No. The file is deleted when the conversion finishes; only the converted copy stays at your private link.
Do I need an account?
No. The converter works without signing up.