CSV to OFX Converter

Why convert a CSV to OFX?

A CSV is a spreadsheet, not an import file. Many banks hand you one because it opens anywhere, but the app you actually keep your books in often expects OFX — Open Financial Exchange, the standard format banks export for software to read. When the download and the destination disagree on format, the transactions are stuck in the middle.

Converting the CSV to OFX bridges that gap without retyping anything. The rows you already have become a structured OFX statement the receiving app can read in one import, instead of a spreadsheet it cannot open at all.

What the conversion does

The converter reads your spreadsheet rows — one row per transaction — and writes each one into the OFX as a transaction with its date, description and amount. Amounts are copied exactly as they appear in the CSV, with no currency conversion and no rounding beyond what is already in the file.

A CSV carries no bank identity and no closing balance, and the converter invents neither. The OFX you download holds the transactions themselves; if you need a QuickBooks Web Connect file with a balance check instead, the CSV to QBO converter is built for that destination.

Format notes and where the OFX goes next

OFX is the family format underneath several better-known names: QBO files for QuickBooks are OFX 1.02 underneath, and QFX is Quicken's variant of the same structure. An OFX file is therefore a good neutral hand-off — most finance apps that import anything import OFX.

If your destination is Quicken rather than a general OFX reader, use the CSV to QFX converter so the file arrives in Quicken's own variant. And if you later need the data back in a spreadsheet, the OFX to CSV converter reverses this conversion row for row.