Convert OFX to CSV for Spreadsheets & Analysis
Your bank gave you an OFX file but you need a spreadsheet. Convert it to clean CSV with proper columns — date, description, amount, type — ready for Excel, Google Sheets, or any accounting tool.
Works with OFX and QFX files from any bank. Both SGML and XML versions supported. Free online — no signup.
How It Works
Upload Your OFX File
OFX or QFX file from your bank's online portal. Both OFX 1.x (SGML, no closing tags) and OFX 2.x (XML) formats are auto-detected and parsed correctly.
Fields Extracted & Mapped
Date, description, amount, transaction type, reference ID, and check number — all extracted from OFX tags and mapped to clean, labeled CSV columns automatically.
Download CSV
Standard comma-separated file that opens in Excel, Google Sheets, LibreOffice, Numbers, or imports into any software that accepts CSV.
What's Inside Your OFX File
OFX files contain structured transaction records. Here's how each field maps to your CSV columns.
20260315 → 03/15/2026
Payee name & transaction details
-45.99 (neg = debit)
DEBIT, CREDIT, POS, ATM
Unique per transaction
If check transaction
OFX 1.x (SGML) vs OFX 2.x (XML)
Most US banks still export OFX 1.x, which uses SGML — not XML. This trips up many converters and parsers. Ours handles both.
OFX 1.x (SGML)
OFXHEADER:100 DATA:OFXSGML VERSION:102 <STMTTRN> <TRNTYPE>DEBIT <DTPOSTED>20260315 <TRNAMT>-45.99 <FITID>2026031500012 <NAME>AMAZON MKTPL
- No closing tags (valid SGML)
- Plain text header, not XML
- Used by most US banks today
- Breaks standard XML parsers
OFX 2.x (XML)
<?xml version="1.0"?> <?OFX OFXHEADER="200"?> <STMTTRN> <TRNTYPE>DEBIT</TRNTYPE> <DTPOSTED>20260315</DTPOSTED> <TRNAMT>-45.99</TRNAMT> <FITID>2026031500012</FITID> <NAME>AMAZON MKTPL</NAME> </STMTTRN>
- Proper closing tags on every element
- Standard XML declaration header
- Newer banks and fintech exports
- Parseable by any XML library
Don't know which version you have? Upload it — we detect and parse both automatically.
What is OFX?
Open Financial Exchange
Banking industry standard for financial data exchange. OFX 1.x uses SGML, OFX 2.x uses XML. Each transaction is a STMTTRN block with date, amount, payee, and a unique FITID. Used by QuickBooks, Quicken, and most financial software.
What is CSV?
Comma-Separated Values
Plain text with one transaction per row, separated by commas. Opens in Excel, Google Sheets, and any spreadsheet. Human-readable, editable, and universally compatible for analysis and reporting.
Why This Tool
OFX 1.x & 2.x Support
Both SGML-based OFX 1.x (no closing tags, used by most US banks) and XML-based OFX 2.x are parsed correctly. No need to know which version your bank uses.
All Transaction Fields Preserved
Date, description (NAME + MEMO), amount, transaction type, FITID reference, and check number all mapped to clean CSV columns. Nothing dropped.
QFX Files Included
QFX is Intuit's branded OFX format for Quicken. Same internal structure, different extension. Upload either .ofx or .qfx — both work.
Transaction Types Decoded
OFX encodes types as DEBIT, CREDIT, POS, ATM, XFER, CHECK, etc. These are preserved as a readable column in your CSV for easy filtering.
Proper Date Formatting
OFX stores dates as YYYYMMDDHHMMSS (e.g., 20260315120000). Converted to clean MM/DD/YYYY in CSV — no manual date parsing needed.
UTF-8 Output
Payee names with accented characters, currency symbols, or international text come through correctly. No encoding issues when opening in Excel or Google Sheets.
When to Use This
Spreadsheet Analysis
Sort, filter, and build pivot tables from your bank transactions in Excel or Google Sheets. OFX files can't do that — CSV can.
Multi-Bank Consolidation
Download OFX from each bank, convert to CSV, and combine into one spreadsheet for unified cash flow analysis across all accounts.
Software Migration
Moving from QuickBooks/Quicken to software that only accepts CSV (Xero, Wave, FreshBooks, custom tools). OFX-to-CSV bridges the gap.
Where Your CSV Works
Spreadsheet Apps
- Microsoft Excel
- Google Sheets
- LibreOffice Calc
- Apple Numbers
Accounting Software
- Xero (bank feed CSV)
- Wave Accounting
- FreshBooks
- Zoho Books
Personal Finance
- YNAB (CSV import)
- Monarch Money
- PocketSmith
- Custom budgeting tools
OFX-to-CSV Issues & Fixes
OFX file won't parse — "invalid format" or "unexpected token" error
Your file may be truncated (missing the closing </OFX> tag) or corrupted during download. Re-download from your bank's portal. If the file opens in Notepad and ends abruptly, it's incomplete.
CSV has fewer transactions than expected
Check the date range in your OFX file — banks often default to 30 or 90 days. Download a wider date range from your bank portal. The OFX header contains DTSTART and DTEND tags showing the exact range.
Description column is blank but Memo column has data (or vice versa)
Some banks use the NAME field for descriptions, others use MEMO, and some use both. Our CSV includes both columns. If one is empty, the transaction data is in the other column.
Amounts have wrong signs — credits showing as negative
OFX standard uses negative for debits and positive for credits. If your bank reverses this convention (rare but it happens), amounts will appear flipped. Check a known deposit to verify the sign convention.
Date shows as a long number (20260315120000) instead of a readable date
This is the raw OFX date format (YYYYMMDDHHMMSS). Our converter formats this to MM/DD/YYYY automatically. If you see raw dates, the file may not have parsed correctly — try re-uploading.
Frequently Asked Questions
What's the difference between OFX and QFX files?
QFX is Intuit's branded version of OFX, used by Quicken. The internal format is identical — same STMTTRN blocks, same fields. Our converter handles both file extensions.
My OFX file has no closing tags — is it broken?
No. OFX version 1.x uses SGML syntax where closing tags are optional. A line like <TRNAMT>-1250.00 with no </TRNAMT> is perfectly valid OFX 1.x. Our parser handles both SGML (1.x) and XML (2.x) formats.
What columns does the CSV contain?
Date, Description (from NAME and MEMO fields), Amount, Transaction Type (DEBIT, CREDIT, POS, ATM, etc.), Reference ID (FITID), and Check Number (if present). All fields from the OFX are preserved.
Can I open the CSV in Google Sheets?
Yes. Upload to Google Drive and open, or use File > Import in Google Sheets. The CSV uses UTF-8 encoding and standard comma delimiters — no special handling needed.
My bank exports both OFX and CSV — why would I convert OFX to CSV?
Bank-exported CSVs often have inconsistent formats, missing fields, or encoding issues. OFX is a standardized format — converting from OFX gives you a cleaner, more predictable CSV with all transaction fields preserved.
Does it preserve the FITID (transaction reference)?
Yes. The FITID (Financial Institution Transaction ID) is included as a column in the CSV. This unique identifier is useful for deduplication if you import the same date range multiple times.
Can I convert multiple OFX files at once?
Upload one file at a time. Each converts in seconds. For merging multiple months, convert each OFX separately and combine the CSVs in Excel.
ofxconverter.com limits free users to 1 file per day. Is this really free?
Yes. No daily limits, no signup, no file count restrictions. Convert as many OFX files as you need.
Is my data secure?
Encrypted in transit via TLS, processed in memory, never stored. Your OFX file is deleted immediately after conversion.
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