Convert CSV to OFX
Your bank gives you CSV but your software needs OFX. Upload the CSV, get a clean OFX file that GnuCash, Moneydance, Xero, and Sage import without errors — or take the same statement as QFX for Quicken, one click, no extra charge.
For Quicken, GnuCash, Moneydance, Xero, and Sage users. Free online — no software to install.
How It Works
Upload Your CSV
Bank export, credit card download, or any CSV with transaction data — any column layout, any delimiter.
Columns Auto-Mapped
Date, description, and amount fields detected automatically. Account ID and bank routing set for OFX compatibility.
Download OFX
Valid Open Financial Exchange file ready for GnuCash, Moneydance, Xero, or Sage. Quicken needs QFX instead — one click, same upload, no extra charge.
Software That Accepts OFX Files
OFX is the universal standard for financial data exchange, and it works across dozens of accounting and personal finance applications. The two exceptions are Intuit’s own: QuickBooks needs QBO and Quicken needs QFX, each of which is this same format plus one institution header. Quicken users can take the QFX in one click from the download button above; for QuickBooks, use our CSV to QBO tool.
What is CSV?
Comma-Separated Values
Plain-text bank export with no standard layout. Every bank uses different column names, date formats, and amount styles. Most accounting software can read CSV — but requires manual column mapping every time.
What is OFX?
Open Financial Exchange
XML-based standard for financial data exchange. Includes account metadata, transaction IDs, and structured fields that GnuCash, Moneydance, Xero, and Sage read automatically — no mapping required. Quicken is the exception: it only takes QFX, the Intuit variant of this same format.
Why This Tool
Quicken Users Get QFX
Quicken refuses plain OFX — it needs Intuit's INTU.BID institution header. One click under the download button gives you the QFX of the same statement, free, with no re-upload.
Auto-Detect Any CSV Layout
Date/Amount/Description, Datum/Betrag/Beschreibung, or custom headers — columns identified regardless of naming or language.
Valid FITID Generation
Every transaction gets a unique Financial Transaction ID. Duplicate FITIDs cause GnuCash parse errors and silent skipped rows in other importers.
Account Metadata Built In
Bank ID, Account ID, and Account Type fields set automatically. These OFX-required fields are what most CSV-to-OFX tools leave for you to configure manually.
Handles Messy CSVs
Commas in amounts, currency symbols, blank rows, mixed delimiters, quoted fields — cleaned and normalized before OFX output.
Works Across All Platforms
OFX files import identically on Windows, Mac, and Linux. No line-ending issues that plague CSV imports across operating systems.
When to Use This
Bank Dropped OFX Downloads
Chase, Discover, and others discontinued direct OFX/QFX exports. Download CSV from your bank and convert here — your import workflow stays the same (Quicken users take the QFX).
GnuCash & Moneydance Users
Both support CSV import but require manual column mapping. OFX imports are automatic — File > Import > OFX and transactions appear instantly.
Xero & Sage Bank Import
Need to import bank transactions from a CSV into Xero or Sage? OFX gives cleaner auto-matching than raw CSV uploads.
How to Import OFX Into Your Software
Quicken (use the QFX)
Download the QFX first — Quicken’s Web Connect import expects a .qfx file and refuses one with no institution header. Then File > File Import > Quicken Transfer Format (.QFX) File > pick the .qfx > choose your account, and accept the downloaded transactions in the register.
GnuCash
File > Import > Import OFX/QFX > select your file. GnuCash matches the account ID automatically. Use Tools > Import Map Editor if accounts map incorrectly.
Xero
Accounting > Bank Accounts > select account > Import a Statement > upload .ofx file. Xero auto-matches transactions to existing rules.
Common OFX Import Errors and Fixes
Quicken: "unable to verify the financial institution information"
Quicken does not import plain OFX. It looks for Intuit's INTU.BID institution header and refuses the file before reading any transactions when there is none — which is every OFX file, from us or from a bank. Download the QFX of the same statement instead (the link under the download button, free) and import that.
Quicken shows a "download error" or won't list the file
Same cause, and renaming .ofx to .qfx does not fix it — the header lives inside the file, not in the extension. Take the QFX download.
GnuCash "failed to parse" or wrong account mapping
Usually caused by mismatched account numbers or non-unique transaction IDs (FITIDs). We generate unique FITIDs and set valid account metadata.
Transactions imported with wrong dates (day/month swapped)
OFX uses YYYYMMDD date format internally. Some converters misparse DD/MM as MM/DD. We auto-detect your CSV's date format and convert correctly.
Duplicate transactions appearing after import
Caused by importing a date range already in your software. Most OFX-compatible apps use FITIDs to detect duplicates — our unique IDs help, but avoid overlapping date ranges.
Frequently Asked Questions
Why convert CSV to OFX instead of importing CSV directly?
GnuCash and Moneydance both read CSV but make you map the columns again every time, and Xero and Sage want a statement file rather than a spreadsheet. OFX imports with no mapping at all. (Quicken cannot import CSV either way — it needs QFX, see below.)
Quicken says "unable to verify the financial institution information" — why?
Because Quicken does not import plain OFX. It only accepts QFX: the same transactions plus Intuit's institution header (INTU.BID), which Quicken checks before it reads a single row. Nothing is wrong with your file or your data. Use the "download this statement as QFX instead" link under the download button, or our CSV to QFX tool — re-downloading a format is free.
Does this work with Quicken Mac and Windows?
Not with the OFX file — neither version imports plain OFX, and renaming it to .qfx does not help, because the institution header has to be inside the file. Both versions do import QFX, which you can download from this page in one click. The transactions are identical.
My bank stopped offering OFX downloads — can I use CSV instead?
Exactly what this tool is for. Chase, Discover, and other banks have dropped direct OFX/QFX downloads. Export CSV from your bank and convert it here.
GnuCash gives a parse error on import — what went wrong?
Usually a mismatch between the account number in the OFX file and your GnuCash account setup. Also check that transaction IDs (FITIDs) are unique. Our converter generates valid FITIDs automatically.
What account details do I need to set?
Account ID (your account number) and account type (checking, savings, credit card). We set sensible defaults, but matching your software's account setup ensures smooth import.
Can I import the OFX file into Xero or Sage?
Yes. Xero: go to Accounting > Bank Accounts > Import a Statement. Sage: Banking > Import Statement. Both accept standard OFX files.
Other converters charge $25-50/month. Is this free?
Yes. MoneyThumb CSV2OFX starts at $25/month, ProperConvert requires a desktop install. We convert free online, no signup, no install.
Is my data secure?
Encrypted in transit, processed in memory, never stored. Your CSV is deleted after conversion.
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