How to convert QBO to CSV

Three steps, nothing to install, and no account to create.

Find the .qbo file — usually in your Downloads folder, from your bank's website or a converter.
Drop it above. We read the transactions, the account details and the closing balance straight out of the file.
Pick a column layout, check the preview, then download the .csv.

Why export QBO to CSV?

You want to look at the transactions before importing them. A .qbo file is not readable — open it in a text editor and you get tags, not a table.
QuickBooks rejected the file and you can't see why. Converting QBO to CSV lets you see exactly which transactions are in it, and what dates and amounts they carry.
You need the numbers in a spreadsheet. Reconciling, splitting between clients, totalling a category, handing a list to someone who doesn't use QuickBooks.
Your accounting software isn't QuickBooks. Xero, Wave, FreshBooks, Zoho and most others take CSV but not .qbo.
You're keeping records. CSV will still open in twenty years. A bank's proprietary download probably won't.

Three column layouts

Which one you want depends on where the CSV is going next.

Full detail every field, incl. transaction ID
QuickBooks 3-column Date, Description, Amount
QuickBooks 4-column Date, Description, Credit, Debit

The two QuickBooks layouts exist because QuickBooks Online's own CSV import only accepts those two arrangements. Get the column order or the date format wrong and it refuses the file without telling you which column upset it. Picking the layout here means you don't have to rearrange anything by hand afterwards.

What gets read out of the file

QBO is Intuit's version of the OFX banking format, and OFX is a strict specification — every field is labelled. So unlike reading a bank CSV, nothing here has to be guessed:

Date from DTPOSTED
Amount from TRNAMT, sign included
Description NAME, rejoined with MEMO
Transaction ID from FITID
Check number from CHECKNUM
Account & type checking, savings or credit card

One detail worth knowing: OFX caps the payee field at 32 characters, so long descriptions get cut in half — the rest lives in a second field. We stitch the two back together, which is why you'll see full merchant names here rather than AMAZON MARKETPLACE PMTS AMZ.

Your statements never leave your browser

The conversion runs as JavaScript on your own machine. Nothing is uploaded, nothing is stored, and there's no account to create. You can turn off your Wi-Fi after the page loads and it still works.

And you don't have to take our word for it. This page ships a Content Security Policy with connect-src 'none', which means your browser itself refuses to let this page make any network request at all. Open your developer tools and watch the Network tab while you convert a file: it stays empty.

Questions

Does this work with OFX and QFX files too?

Yes. QBO, OFX and QFX are the same underlying format with different labels on the tin — QBO is Intuit's flavour for QuickBooks, QFX is Intuit's flavour for Quicken, OFX is the plain original. All three go in the same box above. Newer XML-style OFX files work as well as the older ones.

Can I convert the CSV back into a QBO file afterwards?

Yes — that's the CSV to QBO converter on our home page. Editing a statement in a spreadsheet and turning it back into a .qbo is a normal round trip, and transaction IDs are regenerated from the date, amount and description so QuickBooks still spots duplicates.

My file has several accounts in it. What happens?

All of the transactions come through in one list, and the Full detail layout includes an Account column so you can tell them apart or filter them in your spreadsheet. If you pick one of the QuickBooks layouts, which have no account column, the page warns you first.

Why are some amounts negative?

That's straight from the file, not something we decided. In OFX, money leaving the account is negative and money arriving is positive. We don't flip anything — whatever your bank recorded is what you get.

What does it cost?

Nothing. Converting single files will stay free.