OFX to CSV Converter
Turn an OFX bank or credit-card download into a CSV with one row per transaction - US or ISO dates, one signed amount or separate debit and credit columns. QFX and QBO files work too. Free, no sign-in, nothing is uploaded.
Drop your file here or choose a fileTap to choose a file
Opened on your device - never uploaded · up to 50MB
Supports .ofx, .qfx, .qbo · or paste a file from your clipboard
No file handy? · download it
How to Convert OFX to CSV
- Download the statement as OFX. In online banking, open the account's activity, choose Download or Export, and pick OFX - some banks call it "Microsoft Money" or "Money (OFX)". Choose the date range you need.
- Drop the .ofx file above. It is parsed in your browser. Every account in the file is listed with its transaction count, and the account number is shown masked.
- Pick the layout. One Amount column suits a ledger or a budgeting app; Debit and Credit columns suit a bookkeeping template. MM/DD/YYYY suits US software, YYYY-MM-DD sorts correctly anywhere.
- Download the CSV (or the Excel workbook) and open it or import it wherever you need the transactions.
Where OFX Files Come From
Almost every US bank and card issuer offers OFX alongside CSV and PDF. It is the download meant for software: Microsoft Money used it, GnuCash, Moneydance, Banktivity and many budgeting apps import it, and Quicken and QuickBooks use variants of it (QFX and QBO). Banks prefer it because, unlike a CSV, it has a fixed layout every program can read without guessing what each column means.
That same rigidity is why people convert it. An OFX file is structured for import, not for reading: a long list of tags such as <TRNAMT>-42.50 and <DTPOSTED>20260115120000. A CSV is the format you can open, sort, total, pivot, send to an accountant or load into a program that does not take OFX.
What the CSV Contains
| Column | From the OFX tag | Notes |
|---|---|---|
| Date | DTPOSTED | The posting date; the time and time zone are dropped so no date shifts by a day. |
| Description | NAME (or PAYEE) | The payee as the bank names it. Entities such as AT&T are decoded. |
| Memo | MEMO | Extra detail some banks add: card number, location, reference. |
| Amount, or Debit and Credit | TRNAMT | Real numbers; negative is money out. Thousands separators and decimal commas are read correctly. |
| Type | TRNTYPE | DEBIT, CREDIT, CHECK, POS, ATM, FEE, INT, XFER and so on, as the bank reported it. |
| Check Number | CHECKNUM | For paper checks. |
| Transaction ID | FITID | The bank's unique ID - useful for spotting duplicates when you combine downloads. |
Combining Several Downloads
Banks limit how far back a download reaches, so a year of history often arrives as several files whose date ranges overlap. Convert each, paste them into one sheet, and use the Transaction ID column to remove the overlap with the duplicate remover: the bank gives a transaction the same ID in every download, while two genuine $5.00 coffees on the same day have different IDs and both survive.
OFX, QFX and QBO
QFX is Intuit's Quicken flavour of OFX and QBO is the QuickBooks flavour; both add an Intuit bank ID to the same statement tags. This converter reads all three. If you need a QBO file rather than a CSV - to bring a spreadsheet of transactions into QuickBooks - use CSV to QBO instead.
Frequently Asked Questions
OFX (Open Financial Exchange) is the standard file format banks use to hand transactions to personal finance and accounting software. It was created in 1997 by Microsoft, Intuit and CheckFree, which is why banks still label the download 'Microsoft Money', 'OFX' or 'Money/Quicken'. Inside is a statement: the account, every transaction with its date, amount, payee and ID, and the closing balance.
Not usefully - Excel opens it as one column of tags. Convert it here first: the CSV has one row per transaction with real numbers in the amount column. The Download Excel button gives you an .xlsx directly.
Yes. OFX 1.x files are SGML, where tags are opened but never closed; OFX 2.x files are XML. Banks still send both, and both are read the same way.
Some downloads bundle checking, savings and a credit card in one file. Pick one account from the Account list, or keep 'All accounts' to get every transaction with Account and Account Type columns added so you can filter.
No. The OFX file is parsed by JavaScript in your browser and the CSV is generated there. Your account number and transactions never leave your computer.
OFX signs every amount from the account holder's side: negative is money out (a purchase, a check, a fee), positive is money in. Choose 'Separate Debit and Credit columns' if you want two positive columns instead.