OFX Format

CSV to OFX Converter Online — Xero, GnuCash & More

One file, six destinations. Xero, GnuCash, MoneyDance, Banktivity, YNAB and Microsoft Money all read OFX — and not one of them reads your bank's particular CSV layout. Convert CSV to OFX free here, with no column mapping to fill in and no regional date setting to match, because OFX stores dates as YYYYMMDD internally. That single detail is why an OFX import lands cleanly where the same rows as CSV get silently misread.

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Not the file you need?

Only have a PDF?
Same .ofx, straight from the statement
Using QuickBooks Desktop?
QuickBooks wants .qbo, not .ofx
Using Quicken?
Quicken needs .qfx — OFX is refused

Why Use Our CSV to OFX Converter Tool?

Column mapping, done for you

Most CSV to OFX converters open with a column mapping screen asking which field is the date. Skip it — columns are detected from the data itself, including headers in other languages or no header row at all.

Dates stop being ambiguous

OFX stores dates as YYYYMMDD, so 03/04 cannot be read as March 4 in one app and April 3 in another. That single fact is why an OFX import succeeds where the same data as CSV fails.

Currency comes from you, not a default

An OFX file has to declare a currency and a CSV almost never states one. Converters that assume USD quietly relabel a GBP or EUR account. If your file is silent, we ask you before writing it. This is a CSV to OFX converter online free of installs, signups and per-file trial caps.

How to convert CSV to OFX without column mapping

1

Grab the CSV export

From your bank's portal, a fintech app, a payment processor or a spreadsheet. Header row optional, and quoted fields with embedded commas are fine.

2

Upload the CSV

Drop the .csv above or click to browse, up to 10MB. Columns are detected for you whatever order your bank uses.

3

Confirm the account, download .ofx

A CSV states no account type or currency, so pick those first. Then download the .ofx and import it — in Xero, GnuCash, MoneyDance or Money, it needs no further edits.

Where a raw CSV falls apart on import

Quicken will not accept a plain OFX file

Quicken requires QFX, which is OFX plus an Intuit institution header. Several converters advertise OFX "for Quicken" anyway. If Quicken is your destination you want a .qfx file, not this one.

Xero misreads dates without saying so

Xero matches CSV dates against your organisation's regional setting. When the day and month are both 12 or under, a mismatch does not error — it imports the wrong date and you find out at reconciliation.

Inconsistent quoting breaks naive converters

Banks quote some fields and not others in the same file. Simple splitters lose any description containing a comma, silently dropping or shifting the rest of the row.

No two banks export the same CSV

Column order, header wording and whether amounts arrive signed or split across debit and credit columns all vary by institution, so a mapping built for one bank is useless for the next.

The software that reads OFX

Xero users hit by date errors

Xero demands CSV dates match your organisation's region exactly, and misreads them silently when day and month are both 12 or under. An OFX file imports without changes.

GnuCash on any platform

File → Import → Import OFX/QFX has been GnuCash's most reliable route for years, and it beats wrestling the CSV importer's column assignments every month.

Microsoft Money holdouts

Money Sunset still reads OFX long after the banks stopped offering it. A CSV export from a modern bank becomes something a 2010 install accepts.

MoneyDance, Banktivity, YNAB

All of them read OFX, and none of them read every bank's bespoke CSV layout. One conversion covers whichever app you settled on.

Banks that dropped OFX feeds

Direct OFX downloads disappeared from a lot of banks and credit unions, but the CSV export survived. Converting CSV to OFX format turns it back into what your software expects.

Bookkeepers with many clients

Date in column 1 or column 7, one signed amount or split debit and credit — a single CSV to OFX conversion workflow absorbs every client layout.

Frequently Asked Questions — CSV to OFX Converter

QHow do I import OFX into Xero?

Import OFX into Xero under Accounting → Bank accounts → Manage account → Import a statement. It is the easier of the two routes: Xero accepts OFX with no changes to the file, whereas a CSV import has to match your organisation's regional date format exactly.

QWill this OFX file work in Quicken?

No, and no honest converter should claim otherwise. Quicken needs QFX — OFX with an Intuit institution header baked in. Standard OFX imports fine into GnuCash, Xero, MoneyDance, Banktivity, YNAB and Microsoft Money, but Quicken specifically rejects it.

QWhat is the best CSV to OFX converter?

Nearly every CSV to OFX converter free to use handles the basics, so price is not the deciding factor here. What separates them is whether they guess your columns for you, whether they let you set the account currency rather than assuming US dollars, and whether they are honest about Quicken needing QFX. Judge on those three.

QHow do I import OFX into GnuCash?

File → Import → Import OFX/QFX, then pick the file and map it to an account. GnuCash has read OFX reliably for years, which is why it is usually recommended over its CSV importer and its per-column assignment step.

QCan I import CSV into Xero without converting it?

You can, but the file has to satisfy Xero's rules: the date format must match your organisation's region exactly, and dates where day and month are both 12 or under can be misread without any error. Converting to OFX removes the ambiguity because OFX dates are YYYYMMDD.

QWhich columns does my CSV need for an OFX file?

A date, a description and an amount — in any order, under any header names, in any language. Separate debit and credit columns are merged into the single signed amount OFX requires. With no header row at all the columns are inferred from the data itself.

QWhat is an OFX file, and what is the OFX file format?

OFX stands for Open Financial Exchange, the banking industry's standard for moving transactions between institutions and finance software. Each transaction in the OFX file format carries a date, amount, payee and a unique ID, and that ID is what lets your software match and de-duplicate transactions when you re-import an overlapping period.

QDoes the CSV to OFX file format conversion change my amounts?

No. Amounts are normalised, not altered: symbols and thousands separators are stripped, decimals are read correctly whichever convention your bank uses, and separate debit and credit columns become one signed value. The figures that reach your accounting software are the figures on your statement.

QMy account is not in US dollars. Will the amounts be labelled correctly?

Yes. An OFX file must declare a currency, and a CSV rarely states one, so we ask you before writing the file rather than defaulting to USD and silently relabelling the account.

QWill European decimal formats convert correctly?

Yes, which matters more here than usual — OFX is the format European and Australian users reach for most. 1.234,56 and 1,234.56 both become 1234.56, Swiss apostrophe thousands and Indian lakh grouping are handled, and currency symbols are stripped rather than breaking the row.

QDoes it matter that my bank quotes some fields and not others?

No. Mixed quoting within one file is parsed correctly, including descriptions containing commas — the case that makes simple comma-splitting converters drop or shift data without reporting anything.

QIs there a cap on how big my statement can be?

No trial ceiling truncates the output — a 900-row statement converts as a 900-row statement. Free accounts have a monthly allowance shown on the pricing page, but the file itself is never cut short.

QWhat is the difference between OFX, QFX and QBO?

They share a format. QFX is OFX with an Intuit header for Quicken; QBO is OFX with an Intuit header for QuickBooks Web Connect. Plain OFX carries no such header, which is why it works nearly everywhere and not in those two.

QWhere does the conversion actually happen?

In your browser. The CSV is parsed locally and only the rows are sent for column detection — the file never lands on our servers and nothing is retained once the OFX is written.

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Give your software the file it asks for

Your bank stopped offering OFX downloads but still exports CSV. Convert CSV to OFX online here in about ten seconds and import it into Xero, GnuCash, MoneyDance or Microsoft Money without touching a column mapping screen. Free to get started, no signup.