QBO, OFX and QIF file checker
Find out why QuickBooks, Quicken or Xero will not import a transaction file. Drop the file below to see the account it belongs to, its date range and transactions, and every problem in it.
Drop a .qbo, .qfx, .ofx or .qif file here
Read by your browser on this device. The file is not uploaded and nothing about it is sent to us.
What it checks
QBO, QFX and OFX files
| Header | The OFX header block is present and has its required fields, with a blank line before <OFX>. |
|---|---|
| Intuit bank ID | A .qbo file has an <INTU.BID>, it is a number, and it is not a placeholder of zeros. |
| Transaction IDs | Every transaction has a <FITID> and no ID is used twice. |
| Dates | <DTPOSTED> is a real date written YYYYMMDD, and falls inside the range the file declares. |
| Amounts | <TRNAMT> is a plain signed number: no thousands separators, currency symbols or text. |
| Structure | Every block that is opened is closed, the account block and account ID exist, and there is at least one transaction. |
| Text | Payee names fit the 32-character limit, ampersands are escaped, and the characters match the declared encoding. |
| Size | A .qbo is within the 350 KB that QuickBooks Online accepts for an upload. |
QIF files
| Type header | The file starts with a !Type: line (Bank, CCard, Cash and so on) before any transaction. |
|---|---|
| Date order | Whether the dates are provably day-first, provably month-first, mixed, or cannot be told apart. |
| Dates and amounts | Every record has a readable D line and a T line that is a plain number. |
| Records | Each record ends with ^, and no line starts with an unknown field code. |
Account numbers are shown with only their last four characters. A clean report means the file itself is well-formed; it cannot tell you whether the importing program recognises your bank or already has the transactions.
Nothing is uploaded
This tool is different from the converter on the rest of this site. The statement converter uploads your PDF to our servers to read it. The checker does not: a QBO, OFX or QIF file is plain text, and your browser can read and check it on its own. No request carrying the file, its name or its contents leaves your device. You can confirm that in your browser's network panel, or load the page, go offline, and check a file.
The 350 KB figure comes from Intuit's article Manually upload transactions into QuickBooks Online, read on 4 October 2026.
Starting from a PDF statement instead?
If what you have is the bank's PDF, convert it first. Preview the transactions without an account, download CSV or Excel with a free account, or QBO and QIF on Plus.
Convert a PDF statementPDF to QBOPDF to QIFQuickBooks import guideXero import guide
Questions
Is my file uploaded?
No. The file is opened with your browser's File API and checked by JavaScript running on this page. The page sends no request containing the file or anything read from it, and it works with your network connection switched off once the page has loaded.
Can it fix the file or convert it to another format?
No. It reports what is wrong and where, so you can correct the file in a text editor or download it again from your bank. It does not write files, and it does not convert CSV to QBO.
Why does QuickBooks reject a QBO file that looks fine?
The usual causes inside the file are a missing or unrecognised Intuit bank ID, transaction IDs that repeat, dates or amounts in the wrong format, and a block that was never closed because the download was cut short. Causes outside the file, such as importing into the wrong account or an expired sign-in, cannot be seen by a checker.
What is the difference between .qbo, .qfx and .ofx?
All three are Open Financial Exchange files. A .qbo adds Intuit's bank ID for QuickBooks, a .qfx adds Intuit tags for Quicken, and a .ofx is the plain standard. The checker reads all three the same way and applies the QuickBooks-specific checks to .qbo files.
My file is a PDF. What do I do?
A PDF statement has to be converted before accounting software can import it. That is what the converter on this site does: upload the PDF, check the transactions, and download CSV or Excel with a free account, or QBO and QIF on the Plus plan.