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Bank statement to QBO converter

Bank Statement to QBO — Convert PDF Statements for QuickBooks

Convert a PDF or scanned bank statement into a .qbo file QuickBooks Online and QuickBooks Desktop import directly. Also exports IIF, QIF (Quicken, Xero) and CSV. Bank CSV files convert free, right below, without uploading.

Convert a PDF statementSee plans and prices

Real .qbo files

QuickBooks Web Connect format (OFX) that QuickBooks Online and Desktop import under Banking → Upload transactions.

Scanned and PDF statements

Photographed or image-only PDFs are read too — not just text PDFs. Multi-page statements become one list.

Balances reconciled

Opening balance plus every transaction is compared with the closing balance, so a missed row is caught before import.

What the converter reads from a statement

{
  "bank": "Example Bank",
  "account": "4821",
  "currency": "USD",
  "opening": 2140.55,
  "closing": 3171.95,
  "transactions": [
    {
      "date": "2026-08-02",
      "description": "Card payment — Office supplies",
      "amount": -84.3
    },
    {
      "date": "2026-08-05",
      "description": "Transfer in — Client ACME",
      "amount": 1200
    },
    {
      "date": "2026-08-09",
      "description": "Software subscription",
      "amount": -84.3
    }
  ],
  "exports": [
    ".qbo (QuickBooks Web Connect)",
    ".iif (QuickBooks Desktop)",
    ".qif (Quicken / Xero)",
    ".csv"
  ]
}

How to convert a PDF bank statement to QuickBooks

  1. 01

    Download the statement PDF from online banking, or take a photo of the paper copy.

  2. 02

    Upload it in Formalini — every page is read and turned into dated transactions.

  3. 03

    Check the balance check and the rows; money out is negative, money in positive.

  4. 04

    Download the .qbo file and import it in QuickBooks under Banking → Upload transactions.

Bank statement to QBO questions

Can you upload PDF bank statements to QuickBooks?
Not directly — QuickBooks imports QBO, CSV or QFX files, not PDFs. Convert the PDF to .qbo here first, then upload that file in QuickBooks.
How do I convert a PDF bank statement to QuickBooks?
Upload the PDF in Formalini, check the transactions and download the .qbo file. In QuickBooks Online go to Banking → Upload transactions and choose it.
Does it work with QuickBooks Desktop?
Yes. Use the .qbo file with File → Utilities → Import → Web Connect Files, or the .iif file for Desktop journal imports.
Can I convert a CSV to QBO or IIF for free?
Yes. Bank CSV exports are converted in your browser on this page at no cost, and the file is never uploaded.
Is it safe to upload a bank statement?
Files are encrypted in transit and at rest, kept in your private space only, and you can delete them any time.
What does it cost?
Bank CSV conversion is free. PDF and scanned statements use page credits, with free pages for every new account.

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