Convert Bank Statement PDF to QIF for Quicken
Your bank only gives you a PDF, and Quicken will not read one. Convert any bank statement PDF to QIF here — scanned or digital.
The format for Quicken users who need more than just dates and amounts. Also works with GnuCash and Money Manager Ex.
How It Works
Upload Your Statement
Bank or credit card statement PDF — any bank, scanned or digital, password-protected or not
Transactions Extracted & Mapped
AI parses every transaction and maps dates, payees, amounts, and memos to QIF fields
Download QIF
Properly formatted QIF file with all transaction fields — ready for Quicken, GnuCash, or Money Manager Ex
QIF vs QFX — Which Format Do You Actually Need?
Both work with Quicken, but they carry different data. This table helps you decide.
| Feature | QIF (This Tool) | QFX |
|---|---|---|
| Memo field | Yes | Yes |
| Reference / check number | Yes | Yes |
| Read by non-Quicken software | Yes | Rarely |
| Memo field | Yes | Yes |
| Duplicate prevention | No | Yes (via FITID) |
| Investment transactions | Yes | Yes |
| Works with GnuCash | Yes | Yes |
Need QFX instead? Use our PDF to QFX tool.
What is PDF?
Portable Document Format
Bank statements arrive as fixed-layout PDFs. Quicken, GnuCash, and other finance tools can't read them directly — the data needs to be extracted and structured into a format they understand.
What is QIF?
Quicken Interchange Format
The oldest Quicken format, and the one the most software still reads. Carries the date, signed amount, payee, reference number and memo on every row. Supported by Quicken, GnuCash, Money Manager Ex, MYOB, and dozens more.
Why This Tool
Bank, Card & Investment
Written as !Type:Bank, !Type:CCard or !Type:Invst to match the statement, so each lands in the right register rather than all in checking.
Investment Rows Kept Whole
Buys, sells and dividends carry the action, security, quantity and price together — the QIF spec drops an entry to plain cash if any of them is missing.
Signed Amounts, Verified
Withdrawals negative, deposits positive, rounded to the penny — so the register total matches the statement rather than landing a month of rows the wrong way round.
Memo & Payee Fields
Every transaction carries its payee name, memo text, and check/reference number — not just date and amount
Broadest Software Support
Works with Quicken (all versions), GnuCash, Money Manager Ex, MYOB, Banktivity, YNAB, AceMoney, and more
Scanned & Digital PDFs
Built-in OCR reads scanned statements and photos. No separate OCR software or setup needed.
When to Use This
Statements Only Issued as PDF
Plenty of banks no longer offer any machine-readable download at all. The PDF is the only copy you have, and QIF is what Quicken will read.
Legacy Software Migration
Moving data from Microsoft Money, old Quicken versions, or other discontinued tools. QIF is the universal exchange format they all understand.
GnuCash & Open-Source Tools
GnuCash's QIF importer walks you through matching each account before it commits anything. Money Manager Ex and HomeBank also import QIF natively.
Software That Imports QIF
QIF Import Pitfalls to Watch For
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, and they keep working on every future import.
Duplicate transactions after importing the same QIF twice
Unlike QFX, QIF has no transaction IDs for duplicate detection. Quicken imports everything in the file. Never import the same date range twice, or use Quicken's Find Duplicates tool (Edit > Find/Replace) after importing.
Date format causes "invalid file" or wrong dates
QIF dates follow Quicken's regional format. US Quicken expects M/D'YY (e.g., 1/15'26). If your dates use DD/MM/YYYY or ISO format, Quicken may misread them. Our converter outputs dates in the format your Quicken version expects.
Investment transactions import with wrong action types
QIF investment records use specific action codes (Buy, Sell, Div, IntInc, etc.). If actions are mapped incorrectly, Quicken creates the wrong transaction types. Verify investment imports against your original statement.
Frequently Asked Questions
Why use QIF instead of QFX for Quicken?
A QFX carries a bank ID that Quicken verifies, and it is rejected if the ID does not match a supported institution — a QIF has nothing to be rejected over. QIF is also what GnuCash, MYOB, Moneydance and Money Manager Ex read. Use QFX when you want Quicken's duplicate detection, or when you are on Quicken for Mac.
Will Quicken detect duplicate transactions with QIF?
No — unlike QFX, QIF has no built-in transaction IDs for duplicate detection. Quicken will import everything in the file. Avoid importing the same date range twice, or review the register after import to catch overlaps.
Why is nothing categorised after the import?
A bank statement names no category per row — it records money in and out of one account — so the QIF carries dates, amounts, payees, reference numbers and memos, and nothing claims to know that a payment was groceries. Categorise inside Quicken afterwards; its memorised payee and renaming rules will do most of a statement in one pass and keep working on later imports.
What QIF fields are included in the output?
Date (D), Amount (T, signed), Payee (P), Reference or check number (N), Memo (M), and the account type header — !Type:Bank, !Type:CCard or !Type:Invst. Investment rows additionally carry the action, security, quantity and price.
Does QIF work with GnuCash?
Yes. GnuCash has a dedicated QIF importer (File > Import > Import QIF) that walks you through matching each account in the file to one of yours before it commits anything. Note that QIF has no concept of currency, so import one currency per file.
What about Money Manager Ex and other tools?
QIF is the most widely supported legacy format. Money Manager Ex, MYOB, Banktivity, YNAB, and AceMoney all import QIF files.
Does it handle scanned PDF statements?
Yes — built-in OCR processes scanned pages and photos. No external OCR software needed.
Is my data secure?
Encrypted in transit, processed in memory, never stored. Your bank data is deleted after conversion.
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