If your software wants an OFX file and all your bank offers is a spreadsheet, start from the statement instead. Upload the PDF or scanned statement and download a clean OFX that imports into MS Money, Xero and accounting software.
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People look for a CSV to OFX converter because their software refuses a spreadsheet and wants an OFX (Open Financial Exchange) file instead. The reliable way to produce one is to start from the bank statement itself rather than the CSV. Upload the PDF or scanned statement for the same period and export it as OFX, and every transaction is written with the date, signed amount and unique ID that MS Money, Xero and accounting software expect. Note that the uploader reads PDF and image statements, not CSV files.
Plenty of banks and fintech apps only let you export CSV, but MS Money and many desktop programs are built around account files. A raw CSV rarely imports cleanly, so the data sits in a spreadsheet instead of your register.
MS Money expects OFX, and Quicken's CSV import only takes its own fixed column layout. A CSV that opens fine in Excel simply will not load into the register.
Column order, date format, and how debits and credits are shown vary by bank, so there is no single CSV shape any finance program will accept.
Many CSVs put debits and credits in separate columns or mix in a running balance, which breaks naive importers that expect one signed amount.
A CSV with month and day reversed or a two digit year imports transactions on the wrong date and quietly corrupts the timeline.
OFX gives each transaction a unique ID so software can skip duplicates. A plain CSV has none, so re importing doubles up transactions.
Reshaping a CSV by hand into something a program accepts is slow, error prone, and has to be redone every statement.
Upload the PDF or scanned statement for the period you need, and download a valid OFX with clean dates, signed amounts, and unique transaction IDs.
Finds the date, description, amount and balance on your bank's statement without you mapping anything, including image only scans.
Reads US and international date formats and normalizes them so transactions land on the correct day.
Combines separate debit and credit columns into the single signed amount OFX expects.
Generates a stable ID per transaction so your software skips duplicates on re import.
Need a spreadsheet, or a file your accounting software reads? Export the same data as OFX or Excel in one click.
256-bit encryption in transit and you can delete your uploaded file at any time.
No install, no scripting, no credit card to start.
Drop in the PDF or scanned statement covering the period you need. Up to 50 files go in at once.
Tip: The uploader takes PDF and image files, so start from the statement rather than a CSV export.
The extraction reads each transaction and shows them back to you before anything is exported.
Tip: Split debit and credit columns on the statement are combined into one signed amount.
Get a valid OFX file and import it into MS Money, Xero, or your accounting program.
Tip: Reconcile against your statement to confirm the totals match.
Anyone whose finance software refuses a spreadsheet and wants a proper account file instead.
Produce the OFX MS Money accepts, or a CSV in the layout Quicken imports, starting from the statement your bank issues.
Standardize statements from many banks into clean OFX for one consistent import workflow.
Turn a statement from an app that offers no OFX export into a file your desktop software reads.
Convert client statements into import ready OFX for reconciliation and tax prep.
If you already have a PDF statement, upload it to the bank statement to OFX converter and skip the mapping step, since the AI reads the layout for you. Use CSV to OFX when your bank or fintech app only gives you a spreadsheet export, or when you have already cleaned the data in Excel and want to push it into MS Money or another program that reads OFX. Both paths produce the same valid OFX; the difference is only where your data starts.
Turning a CSV into OFX is more than a file rename. A correct conversion normalizes the date format so nothing lands on the wrong day, merges split debit and credit columns into one signed amount, and assigns each row a unique transaction ID so your software does not create duplicates when you import again. The table below maps common CSV problems to what the OFX output does about them.
| CSV problem | What the OFX output does |
|---|---|
| Dates as MM/DD/YY or DD/MM/YYYY | Normalized to the OFX date format so the day is never ambiguous |
| Separate debit and credit columns | Merged into one signed amount per transaction |
| No transaction IDs | A stable unique ID is generated so re imports skip duplicates |
| Running balance mixed into amounts | Balance kept separate from the transaction amount |
Once the OFX is built, importing it works the same as any account file. If your destination is Quicken, this converter cannot produce Quicken's native QFX (only your bank can), so use the CSV route on the convert bank statement to Quicken page instead. If you keep your books in a spreadsheet you can also move the other way and turn a statement into clean CSV.
Start from the bank statement rather than the CSV. Upload the PDF or scanned statement for that period to the converter above and export it as OFX. The uploader reads PDF and image files, not CSV, and the OFX it writes carries normalized dates, one signed amount per transaction and unique transaction IDs so it imports cleanly into MS Money, Xero or your accounting software.
Quicken does import CSV, but only through File, File Import, Banking Transactions, From (.CSV) File and only in its own layout: Date, Payee, FI Payee, Amount, Debit/Credit, Category and Account, in that order, with dates as mm/dd/yyyy. A bank CSV in any other shape fails, and converting it to OFX does not help, because Quicken cannot import OFX. Rearrange the columns to match, then import.
At minimum a date, a description, and an amount. If your bank splits debits and credits into two columns, the converter merges them. A running balance column is optional but helps confirm the import reconciles. You map each column during conversion, so the original order does not matter.
Yes. It reads US month and day first formats as well as international day first formats and normalizes them to the OFX date format, so transactions land on the correct day instead of being silently shifted or rejected.
No. The converter assigns each transaction a stable unique ID in the OFX, which is exactly what finance software uses to detect and skip duplicates. That means you can re import a corrected file without doubling up the transactions already in your register.
No. This converter writes OFX, CSV and Excel. QFX and QBO both carry an Intuit issued institution identifier that only a participating bank can put in a file, so no converter can mint one. Use OFX for MS Money and open tools, and the CSV route for Quicken and QuickBooks.
With this converter your upload is protected by 256-bit encryption in transit and you can delete your data at any time. Before sending financial data to any online tool, confirm it encrypts uploads and lets you control deletion, and review its privacy and retention policy.
Produce a CSV or OFX file that YNAB File Based Import accepts.
Convert a PDF statement straight to OFX.
Get a PDF statement into Quicken the way that works.
Go the other way: statement to clean CSV.
Get started converting bank statements to OFX.
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Enterprise-grade bank statement conversion and controls.
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