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CSV to OFX converter

Convert a bank or credit card CSV into an OFX statement file for Xero, Sage, GnuCash, Moneydance and Quicken. Free, no sign-up, and the file never leaves your browser.

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Read in your browser. Nothing is uploaded.

How it works

CSV in, OFX out. Nothing uploaded.

The whole conversion runs in your browser tab, so your transactions never reach a server.

  1. 01

    Drop your CSV

    The CSV your bank or card website exports. Excel files work too.

  2. 02

    Check the columns

    Date, description and amount columns are found for you. The preview shows the first rows exactly as they will import.

  3. 03

    Download the OFX

    Built in your browser in the layout your accounting software expects, ready to import.

What it reads

Your bank’s export, as it is

No need to tidy the file first. Each format below is detected on its own, and anything that can’t be read is listed by row instead of silently dropped.

Columns
One signed amount, money out and money in, or an amount with a debit/credit column. Balance and check number optional.
Dates
10/31/2026, 31/10/2026, 31.10.26, 2026-10-31, 20261031, 31 Oct 2026, Oct 31, 2026, with or without a time.
Numbers
1,234.56 · 1.234,56 · 1 234,56 · (12.40) · 12.40- · 12.40 DR · $, £, €, ₹ and currency codes.
Files
Comma, semicolon, tab or pipe separated; UTF-8 or Windows encoding; title rows above the header; Excel .xlsx, .xls, .ods.

Import

Import into your accounting software

Xero

  1. 1.Open Accounting, then Bank accounts.
  2. 2.On the account, choose Manage account, then Import a statement.
  3. 3.Pick the .ofx file and import, then reconcile as usual.

GnuCash

  1. 1.Choose File, Import, Import OFX/QFX.
  2. 2.Pick the .ofx file.
  3. 3.Match it to an account, then review the transactions.

Sage, Moneydance and others

  1. 1.Look for importing a bank statement, OFX or Money file.
  2. 2.Pick the .ofx file and the account it belongs to.

FAQ

CSV to OFX, answered

Is my file uploaded anywhere?
No. The file is read by code running in your browser tab and the QBO, OFX or QFX file is built there too. Nothing is sent to our servers, so there is no copy to delete afterwards.
What columns does the file need?
A date, a description, and either one amount column or separate money out and money in columns. A balance column is optional: when there is one, every row is checked against it. A check number column is carried into the file too, so QuickBooks can match checks.
Why are my amounts the wrong way round?
Most credit card exports list purchases as positive numbers. Choose “Credit card” under Account, and tick “Charges are positive in this file” if the preview still shows purchases as money in. When the file has a balance column, the tool works this out from the balance for you.
Will importing the same file twice create duplicates?
Each transaction gets an ID (FITID) built from its date, amount and description, so the same file always produces the same IDs. QuickBooks, Quicken and most other programs use these IDs to skip transactions they already have.
Which OFX version is the file?
OFX 1.02, the plain-text version that every importer we know of reads. Bank accounts are written as bank statements and credit cards as card statements, so the software files them in the right kind of account.
Should I pick OFX, QFX or QBO?
OFX for Xero, Sage, GnuCash and most other programs. QFX for Quicken, which prefers its own variant. QBO for QuickBooks. All three hold the same transactions, so you can download each from the same CSV.
Is it really free?
Yes. Converting CSV and Excel files is free with no limit and no account. If you only have PDF statements, the PDF converter reads those, with a free allowance every day.