Convert CSV to QIF for Quicken
QIF is what Quicken, GnuCash, MYOB and Moneydance all read when they refuse your CSV. Convert your bank CSV to a clean QIF file — no column mapping to fill in.
For Quicken, Banktivity, MYOB, and YNAB users. Free online — no software to install.
How It Works
Upload Your CSV
Bank export, credit card download, Fidelity statement, or any CSV with transaction data. Any column layout works.
Columns Mapped Automatically
Date, payee, amount, memo and reference fields auto-detected, whatever the headers are called and whatever order they are in.
Download QIF
Quicken Interchange Format file with full four-digit-year dates. Import via File > Import in Quicken, Banktivity, or YNAB.
QIF vs QFX vs OFX — What Quicken Actually Imports
| Feature | QIF | QFX / OFX |
|---|---|---|
| Read by GnuCash, MYOB, Moneydance | Yes | OFX only |
| Needs no bank ID to be accepted | Yes | No (QFX) |
| Investment registers | Yes (!Type:Invst) | Yes |
| Check / reference numbers | Yes | Yes |
| Memo field | Yes | Yes |
| Duplicate detection | No (by date only) | Yes (FITIDs) |
| Quicken Mac support | Empty files only | Full support |
Use QIF when your software is GnuCash, MYOB or Moneydance, or when a QFX is rejected over its bank ID. Use QFX/OFX when you need duplicate detection or you are on Quicken for Mac.
What is CSV?
Comma-Separated Values
Flat text file with no standard structure. Every bank exports different columns, date styles, and amount formats. Quicken can import CSV only in Mint-compatible format — anything else gets rejected or needs manual mapping.
What is QIF?
Quicken Interchange Format
Quicken's original file format, read by more finance software than any other. Uses tagged lines — D for date, T for amount, P for payee, N for reference, M for memo.
Why This Tool
Your Categories Kept
A Category column in your CSV is written into QIF's L field exactly as you typed it — never guessed, so a bank export with no such column stays uncategorised.
Memos & Reference Numbers
Memo and reference columns map to QIF's M and N fields, so the detail your bank printed survives the conversion.
No Century Bugs
Old QIF writers used a two-digit year with an apostrophe for the 2000s, which is how 2017 imports as 1917. Every date here is written with a full four-digit year.
Auto-Detect Any CSV Layout
Date, Payee, Amount, Memo, Reference — detected regardless of column names, order, or language. 3-column and 4-column (debit/credit) layouts both work.
Penny-Accurate Amounts
Rounds to 2 decimal places and validates debit/credit signs before output. No 0.01 cent rounding errors that plague other CSV-to-QIF tools.
Works on Mac, Windows, Linux
QIF files import into Quicken Windows, Quicken Mac (into empty accounts), Banktivity, MYOB, YNAB, and GnuCash across all platforms.
When to Use This
Banks That Dropped QIF Downloads
Most banks now hand out CSV and nothing else. Convert it back into the format Quicken, GnuCash and MYOB actually read.
Fidelity & Brokerage Exports
Fidelity changed its download process, leaving CSV as the main export option. Convert to QIF and import into Quicken with payees and reference numbers preserved.
Banktivity & YNAB Users
Both accept QIF natively. Convert your bank CSV once, import into Banktivity or YNAB without column mapping or format errors.
How to Import QIF Into Quicken
Quicken Windows
- Go to File > Import > QIF File
- Browse and select your .qif file
- Choose the Quicken account to import into
- Select account type (Bank, Credit Card, etc.)
- Review the register, then categorise in Quicken
Quicken Mac
- Create a new temporary account (Mac requires empty file)
- Go to File > Import > QIF
- Select your .qif file
- Move transactions to your real account
- Delete the temporary account
Common QIF Import Issues in Quicken
Dates imported in wrong century (1917 instead of 2017)
That comes from a two-digit year: older QIF writers used apostrophe notation for the 2000s (1/15'7 = 2007), and without it Quicken assumes 1900s. Every date here is written with a full four-digit year, so the ambiguity never arises.
Transactions imported with no category assigned
Expected — a bank statement names no category per row, so the QIF carries dates, amounts, payees, reference numbers and memos only. Categorise inside Quicken after importing: its memorised payee and renaming rules will assign most of a statement in one pass.
Quicken creates a new account instead of using my existing one
Quicken matches an account name in the file against your register letter for letter, and creates a new account when it misses. Files from this converter carry no account name at all, so Quicken imports into whichever account you pick in its import dialog — if you are seeing a new account, check that selection.
Amounts off by $0.01 after import
Caused by CSV amounts with extra decimal places (e.g., 12.345) or debit/credit sign confusion. We round to 2 decimals and validate signs before output.
Quicken Mac says "can only import into an empty file"
This is a Mac limitation. Create a new temporary account, import QIF there, move transactions to your real account, then delete the temporary one.
Frequently Asked Questions
Why use QIF instead of QFX or OFX for Quicken?
Mostly because of what else reads it. GnuCash, MYOB AccountRight, Moneydance and Money Manager Ex all take QIF, and a QFX additionally has to carry a bank ID that Quicken verifies — a QIF has nothing to be rejected over. If you are on Quicken for Mac, though, QFX is the one that works.
Does my Category column come through?
Yes, if your CSV has one. A column headed Category — or Class, Head, Type of Expense — is written into QIF's L field exactly as you typed it, colon hierarchies like Auto:Fuel included, and Quicken and GnuCash both read it as a real category. It is never guessed: a bank's own export has no category column, so that file comes out uncategorised rather than with something we invented. QFX and OFX have no category field at all, which is the main reason to choose QIF.
My dates imported as 1917 instead of 2017 — what happened?
That comes from a two-digit year. Older QIF writers used apostrophe notation for the 2000s (1/15'7 = Jan 15, 2007), and without it Quicken reads the year as 1900s. Every date from this converter carries a full four-digit year, so the ambiguity never arises.
Can I import QIF into Quicken for Mac?
Yes, but Mac only imports QIF into empty files. Workaround: create a temporary account, import there, then move transactions to your real account.
My amounts are off by $0.01 after import — why?
Rounding errors happen when CSV amounts have more than 2 decimal places or when debit/credit columns get swapped. We round to 2 decimals and verify sign conventions before output.
Does it produce split transactions?
No. QIF can express a split with S-records, but a bank statement gives one amount per row with no breakdown to split it into. Each row converts to a single entry; split it inside Quicken if you need to apportion one payment across categories.
What software reads QIF files?
Quicken (all versions), Banktivity, MYOB, YNAB, NetSuite, GnuCash, Moneydance, and most personal finance tools that accept Quicken Interchange Format.
Other CSV-to-QIF tools cost $25-50. Is this free?
Yes. MoneyThumb CSV2QIF and ProperConvert require paid licenses. We convert free online, no signup, no desktop install needed.
Is my data secure?
Encrypted in transit, processed in memory, never stored. Your CSV is deleted after conversion.
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