Microsoft Money Import: PDF Bank Statement to OFX Converter

Microsoft Money Import: PDF Bank Statements to OFX for Money Plus

Your bank stopped offering the OFX download Money Plus Sunset depends on, or the months you need are only on PDF. Upload the statements here and get OFX files that Microsoft Money imports, with account numbers and transaction IDs intact.

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How do you import a PDF bank statement into Microsoft Money?

Microsoft Money cannot import PDF or CSV files, only OFX and QIF statement files. Convert the PDF statement to OFX, then choose File, Import, Downloaded Statement in Money and select the file. Money reads the account number, asks once which account it belongs to, and skips transactions it already has by their IDs. Import one month per file.

Microsoft Money only reads statement files. Your bank hands you PDFs.

Money Plus Sunset has no online banking, so every transaction arrives through File, Import. It takes OFX and QIF, not PDF and not CSV, and more banks drop the OFX download every year. Typing statements in by hand means close to 1,000 register lines a year for a busy business checking account.

From PDF statement to a Money-ready OFX file

One upload gives you an OFX 1.02 file with the account number, transaction IDs and closing balance Money uses.

OFX 1.02 Output

The SGML OFX generation Money was built to read, not an XML file it may reject.

Stable Transaction IDs

The same statement always gets the same IDs, so a repeat import does not double your register.

Bank And Card Statements

Checking, savings, money market and credit card statements, each with the right account type.

Scanned Statements Too

Paper statements scanned or photographed are read with OCR, so old years convert like downloads.

How to get a PDF statement into Microsoft Money in 4 steps

The same routine for Money Plus Deluxe and Home and Business.

Convert the PDF

Upload one statement month above and download it as OFX.

Import the file

In Money choose File, Import, Downloaded Statement and select the .ofx file.

Pick the account once

Tell Money which account the statement belongs to. It remembers for the next file.

Review and balance

Accept the matches, check the ending balance against the statement, then import the next month.

Who imports PDF statements into Microsoft Money

Long-time Money users who need transactions their bank will only give as PDFs.

Households And Retirees

Keeping twenty years of history in Money and filling the months the bank no longer offers as a download.

Money Home And Business Users

Tracking a business checking account and a card in Money Plus, and needing the full tax year.

Bookkeepers

Catching up a client who still runs Money and hands over a folder of PDF statements.

Common Search Terms

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How do I import a bank statement into Microsoft Money?

Save the statement as an OFX file, then in Money choose File, Import, Downloaded Statement and select it. Money reads the account number in the file, asks which Money account it belongs to the first time, and adds the transactions for review. The catch is that the file has to be OFX (or the older QIF). A PDF statement, or a CSV download from your bank, will not import at all.

That catch is what brings most people here. Money Plus Sunset has had no online services since Microsoft released it in 2010, so everything arrives by file, and banks keep dropping the OFX download that Money depends on. What they still give you is a PDF. The converter at the top of this page reads those PDFs, including scanned paper statements, and writes an OFX file Money can import. The rest of this page covers doing that cleanly for a single month or several years of history.

What Microsoft Money can and cannot import

Money's import list is short: OFX statement files, QIF files, and QFX files, which are OFX inside. Here is how the files you are likely holding line up against it.

What you have	Does Microsoft Money import it?	What to do with it
OFX file from the bank	Yes, through File, Import, Downloaded Statement, or by opening the file	Import it directly. This is the format Money was built around
QFX file (Quicken Web Connect)	Often, once renamed to .ofx	Rename the extension and import. Some banks add Quicken-only tags that Money rejects
QIF file	Yes, but without transaction IDs	Usable, but nothing stops a re-import from doubling transactions
CSV or Excel download	No. CSV is not on Money's import list	Needs converting to OFX first
PDF statement, digital or scanned	No	Convert it to OFX with the upload box above, then import
Paper statement	No	Scan or photograph it, then convert. OCR reads the scan

OFX is the one to aim for. As ProperSoft's Money import guide puts it, OFX includes a transaction ID and QIF does not, and that ID is what keeps a file you import twice from doubling your register. It also carries the account number, so Money can route each file to the right account without you choosing every time.

Can Microsoft Money import CSV files?

No. CSV is not one of the formats Money Plus imports, so a CSV from your bank has to be converted to OFX or QIF before Money will take it. That is why threads about Money so often end with a CSV-to-OFX converter. If the CSV is all your bank offers for recent months, convert the matching PDF statements instead: the PDF has the same transactions and also the closing balance, which a CSV usually leaves out.

Can Microsoft Money import a PDF bank statement?

No. Money has no PDF import of any kind; a PDF has to become an OFX file first. Upload the PDF above, choose OFX, and import the result through File, Import, Downloaded Statement. Scanned statements work as well, because the converter reads them with OCR, so a box of paper statements from years Money never saw can be brought in the same way.

Step by step: from PDF statement to Microsoft Money

Upload one statement month with the box at the top of this page and pick OFX as the export format. Checking, savings and credit card statements all work.
Save the .ofx file to a folder you can find, rather than opening it straight from the browser. That lets you import into the right Money file and keep a copy.
In Money Plus Sunset choose File, Import, Downloaded Statement. In the file dialog, switch the file type to All Files if the OFX does not show, then select it.
The first time Money sees that account number, pick the existing Money account the statement belongs to, or create a new one. Money remembers the pairing for the next file.
Read the Import Summary, then open the account. Imported transactions are marked for review, and Money tries to match them to anything you already typed in.
Accept or correct the matches and categories, compare the ending balance with the paper statement, then import the next month.

Import one statement month per file. The Money MVPs FAQ site, the long-standing reference for Money users, notes a reported limit of about 500 transactions per import for both OFX and QIF, and one month per file keeps even a busy business account well below it. It also makes the balance check month by month, which is how you catch a missed page early.

What is inside the OFX file, and why it imports into Money

Money is strict about a few parts of an OFX file and ignores most of the rest. These are the parts that decide whether a converted statement imports on the first try.

Part of the OFX file	What Money does with it	Where it comes from in our export
Header (OFXHEADER:100, VERSION:102, SGML)	Recognizes the file as an OFX 1.x statement, the generation Money reads	Every export uses the OFX 1.02 SGML header with US ASCII encoding
ACCTID (account number)	Links the file to a Money account. An unknown number makes Money ask which account to use	Read from the statement. If the statement masks it, the masked number is used consistently
ACCTTYPE / credit card block	Treats the file as checking, savings, money market or a credit card	Detected from the statement. Card statements use the OFX credit card block
FITID on every transaction	Skips a transaction it has already imported with the same ID	Generated per transaction, and the same statement re-exported gives the same IDs
DTPOSTED, TRNAMT, NAME, MEMO	Date, signed amount and payee in the register	The date, amount and description printed on the statement
LEDGERBAL (closing balance)	Shows the statement balance for comparison	Included when the statement prints a closing balance

The FITID row matters most for anyone backfilling history. Because the same statement always produces the same transaction IDs, importing a month twice by mistake does not double it, and two identical charges on the same day stay two separate transactions. The ACCTID row explains the one prompt you will see: if you already had the account in Money under a different number, pick it from the list once and Money files every later statement from that account in the same place.

Why won't Microsoft Money import my OFX file?

The usual causes are a file that is not really OFX 1.x, a missing or changed account number, an overlap with transactions already imported, or a file too large for one import. Newer bank exports are sometimes XML-based OFX 2.x or QFX with Quicken-only tags, which Money does not always read. If the account number differs from the one Money linked, Money treats it as a different account and asks again. And a file covering many months can hit the reported transaction limit. Converting the PDF instead gives you an OFX 1.02 file, one month at a time, with the account number printed on the statement.

Who converts statements for Microsoft Money

Mostly people who have run their finances in Money for fifteen or twenty years and do not want to start over in a subscription app: households, retirees keeping tax records, and small business owners on Money Plus Home and Business who track a business checking account and a card. The job is always the same, a few months or a few years that the bank will only hand over as PDFs. If you have already decided to move on from Money, the same OFX files import into Moneydance, Banktivity and most accounting software, and our guide to the best Microsoft Money replacement compares where each option takes your history.

How much does it cost to convert statements for Microsoft Money?

The first 15 pages are free to test with no credit card, and Starter is $49 a month, or $24.50 a month billed annually, for up to 2,500 pages. A year of checking statements is usually 12 files of three to ten pages, so 36 to 120 pages. One Starter month covers several accounts and several years, and you can cancel before the next month. Plus, at $149 a month, adds bulk upload of 50 files at once and statements of any length, which suits a bookkeeper catching up a Money client in one sitting. Compare that with typing: a business checking account with 80 transactions a month is close to 1,000 register lines a year.

Microsoft Money Import: Common Questions

Save the statement as an OFX file, then choose File, Import, Downloaded Statement and select it. Money reads the account number, asks which Money account it belongs to the first time, and adds the transactions for review. PDF and CSV files do not import, so convert them to OFX first.

No. Money Plus imports OFX and QIF statement files (and QFX files, which are OFX inside), but not CSV. Convert the CSV, or better the matching PDF statement, to OFX, then import it through File, Import, Downloaded Statement.

No. Money has no PDF import. Upload the PDF to a converter that writes OFX, choose OFX as the output, and import the file through File, Import, Downloaded Statement. Scanned paper statements convert the same way because the converter reads them with OCR.

Often, yes. A QFX file is OFX with extra Quicken tags, and renaming the extension from .qfx to .ofx is the long-standing workaround Money users rely on. If a bank adds tags Money cannot read, the import fails, and converting the PDF statement to plain OFX is the reliable route.

Yes. Money Plus Sunset lost online banking and updates when Microsoft retired Money, but manual OFX import still works, and it is the main way Sunset users bring in transactions. The file just has to come from somewhere other than an online connection: a bank download or a converted statement.

Usually the file is XML-based OFX 2.x or a QFX with Quicken-only tags, the account number does not match the linked Money account, or the file is too large for one import. Import one month per file, in OFX 1.x format, and pick the correct account when Money asks.

A limit of about 500 transactions per import has been reported for both OFX and QIF files. Importing one statement month per file keeps almost any account well under it and makes the monthly balance check easier.

Not with OFX. Each transaction carries an ID, and Money skips IDs it has already imported. Our export gives the same IDs every time the same statement is converted, so a repeated import does not double the register. QIF files have no IDs, so they can.

The first 15 pages are free with no credit card. Starter is $49 a month, or $24.50 a month billed annually, for up to 2,500 pages. A year of checking statements is usually 36 to 120 pages, so one month covers several accounts and years.

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