Convert QBO to CSV Free for Excel and Google Sheets
Export QBO to CSV by uploading your bank's .qbo Web Connect file and choosing your columns. You get a spreadsheet you can review, clean up or send to a client.
- Encrypted with AES-256
- Temporary private storage; automatic deletion
- Preview before you download
How to use the QBO to CSV converter online
- 01
Add your .qbo file.
Drop the Web Connect file from your bank into the box, or browse to it. To see how it works first, click Try a sample QBO file.
- 02
Choose columns and dates.
Choose one signed Amount column or separate Money out and Money in columns. Pick the output date format and separator your spreadsheet expects, then review the dates and amounts.
- 03
Preview and download.
You'll see the first 10 CSV rows before anything downloads. If the signs and dates look right, click Download CSV file.
QBO to CSV example
The real output from this fictional QBO file uses the default YYYY-MM-DD dates and one signed Amount column. Payee, Memo, Type, identifiers, Account and Currency are separate columns. You can change the output formatting in the settings.
QBO input
<OFX> <SIGNONMSGSRSV1><SONRS> ... <INTU.BID>00000 </SONRS></SIGNONMSGSRSV1> <BANKMSGSRSV1><STMTTRNRS><STMTRS> <CURDEF>USD <BANKACCTFROM><BANKID>000000000<ACCTID>0000<ACCTTYPE>CHECKING</BANKACCTFROM> <BANKTRANLIST><DTSTART>20260201<DTEND>20260228 <STMTTRN><TRNTYPE>DEBIT<DTPOSTED>20260203<TRNAMT>-62.15<FITID>202602030001<NAME>Office Depot</STMTTRN> <STMTTRN><TRNTYPE>CREDIT<DTPOSTED>20260206<TRNAMT>1800.00<FITID>202602060001<NAME>Client payment – Acme LLC</STMTTRN> <STMTTRN><TRNTYPE>CHECK<DTPOSTED>20260210<TRNAMT>-450.00<FITID>202602100001<CHECKNUM>2051<NAME>Check 2051</STMTTRN> <STMTTRN><TRNTYPE>FEE<DTPOSTED>20260227<TRNAMT>-12.00<FITID>202602270001<NAME>Monthly service fee</STMTTRN> </BANKTRANLIST> ... </OFX>
CSV output
Date,Description,Payee,Memo,Amount,Type,Check Number,Reference,Transaction ID,Account,Currency 2026-02-03,Office Depot,Office Depot,,-62.15,DEBIT,,,202602030001,0000,USD 2026-02-06,Client payment – Acme LLC,Client payment – Acme LLC,,1800.00,CREDIT,,,202602060001,0000,USD 2026-02-10,Check 2051,Check 2051,,-450.00,CHECK,2051,,202602100001,0000,USD 2026-02-27,Monthly service fee,Monthly service fee,,-12.00,FEE,,,202602270001,0000,USD
QBO to CSV field mapping
A QBO file stores each transaction as a block of tags. The converter turns every block into one CSV row, with these columns.
| QBO field | CSV field | Note |
|---|---|---|
| DTPOSTED | Date | Written in your selected output date format; the default is YYYY-MM-DD. |
| NAME | Payee and Description | Payee is preserved separately and also contributes to the readable description. |
| MEMO | Memo and Description | Memo is preserved separately and may be combined with payee text in Description. |
| TRNAMT | Amount, or Money out and Money in | Signed mode keeps one Amount column. Split mode uses positive values in separate Money out and Money in columns. |
| TRNTYPE | Type | The source transaction type, such as DEBIT, CREDIT, CHECK or FEE. |
| CHECKNUM / reference | Check Number / Reference | Preserved when supplied by the source. |
| FITID | Transaction ID | The source ID, useful for checking overlaps between downloads. |
| ACCTID / CURDEF | Account / Currency | Included per row. Account numbers are masked by default; the privacy setting can reveal them. |
| LEDGERBAL or supplied closing balance | Balance | Included when Show running balance is on and a usable balance is available. |
Open your QBO export in Excel or Google Sheets
Double-clicking the CSV usually works. Importing it keeps your dates and amounts exactly as you chose them, which matters for non-US date formats.
Excel
Excel for Microsoft 365 / supported desktop editions · Documentation checked
- Open a blank workbook.
- Go to Data › From Text/CSV. In some versions it's Data › Get Data › From File › From Text/CSV.
- Select the CSV you downloaded and click Import.
- Check the preview. Make sure the delimiter is set to Comma, then click Load.
- If dates still look wrong, reconvert with the YYYY-MM-DD date format.
Google Sheets
Google Sheets on the web · Documentation checked
- Open a spreadsheet and choose File > Import.
- Upload the downloaded CSV and choose an import location, such as a new sheet.
- Choose the separator used in your CSV, or automatic detection, and import the data.
- Review dates, amounts and long identifiers. Keep identifiers as text and do not enable formula interpretation for untrusted transaction descriptions.
Where to download a QBO file from your bank
Show me where to download it
Banks offer QBO files as a QuickBooks download. In online banking, open the account's transactions, then choose Download or Export. Pick QuickBooks Web Connect (.qbo) and the date range you want.
You may also have a .qbo file from someone else, such as a client who downloaded it for you. Upload it the same way.
Typed "QBO" because you use QuickBooks Online? That's a different task. See "How do I export from QuickBooks Online to CSV?" in the questions below.
What are QBO and CSV files?
What is a QBO file?
A QBO file is QuickBooks Web Connect, a bank-transaction format used by QuickBooks Online and supported QuickBooks Desktop editions. It is based on OFX and includes Intuit institution details. Transaction IDs help the importer recognise previously imported entries; review matches and duplicates before accepting them.
What is a CSV file?
A CSV (comma-separated values) file is plain text in rows and columns. Banks offer it because Excel and Google Sheets open it. Every bank orders and names its columns differently, so accounting software usually asks you to map them.
Convert QBO to CSV when you need to read, sort or edit bank transactions in a spreadsheet first.
QBO to CSV problems and fixes
| Error | Cause | Fix |
|---|---|---|
| Excel opens the .qbo file as lines of code | A QBO file is tagged text, not a spreadsheet. | Convert it here first, then open the CSV. |
| Day and month swap, or dates show as numbers | Excel reads dates using your computer's regional settings. | Reconvert with YYYY-MM-DD, or bring the file in through Data › From Text/CSV. |
| Your next tool needs separate money-out and money-in columns | The Amount columns option was set to one column. | Choose separate Money out and Money in under Amount columns and review again. Rename the headers to match the destination template if required. |
| QuickBooks Online won't upload the CSV | Its upload needs 3 or 4 columns, one date format, 350 KB or less, and up to 1,000 lines. | Delete the extra columns, or split the file. Simpler still: upload the original .qbo file. |
| Rows repeat after you merge several CSVs | The downloads covered overlapping dates. | Sort by Transaction ID and delete the repeated rows. |
QBO to CSV converter questions
That's done inside QuickBooks Online, not with this converter. Open the report you need and click the Export icon › Export to Excel. Then open that file in Excel or Google Sheets and save it as CSV.
Yes. Turning a QBO file into CSV costs nothing, and no account is needed. Files are encrypted with AES-256 and deleted automatically.
Not in a useful way. Excel shows the raw tags instead of a table of transactions. Convert it to CSV and every transaction gets its own row.
Choose one signed Amount column for simple totals, or separate Money out and Money in columns if your next tool expects split amounts. Rename and select the required columns when preparing another app's CSV template.
QuickBooks Online needs a three-column Date, Description, Amount layout or a four-column layout with Credit and Debit. Remove extra columns and rename split-amount headers to match its template. Check Intuit's current size and row limits. If you still have the original QBO, try uploading that instead.
Yes, with our QFX to CSV converter. QFX is the Quicken version of a Web Connect file, so the result looks the same.
File privacy
File-converter uploads and results are temporarily stored in private storage. Uploads are deleted after a successful conversion; abandoned uploads and results are automatically deleted after about an hour. Download links are temporary.