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Convert CSV to QIF

Turn a bank or card export into a QIF file that personal finance and bookkeeping apps can import. The conversion happens on this device and nothing is uploaded.

  • Your file stays on this device
  • Works with Wi-Fi off. Check it yourself
  • Free, with no sign-up

  1. 1 Choose your bank export

    Drop a CSV or Excel file here, or choose a file

    CSV, TXT or XLSX from your bank or card provider

    Paste CSV text instead

    Your file is read inside this browser tab. Nothing is uploaded.

What a QIF file is

QIF, the Quicken Interchange Format, is one of the oldest ways to move transactions between money programs. It is plain text: each transaction is a few short lines, each starting with a letter that says what it holds (D for the date, T for the amount, P for the payee, M for a memo, N for a check number) and a caret (^) to close the record. A line at the top, such as !Type:Bank, says what kind of account the transactions belong to.

Because the format is so simple, many apps still read it long after newer formats arrived.

Which apps import QIF

  • YNAB lists QIF among the files its file-based import accepts, alongside CSV, OFX and QFX.
  • PocketSmith accepts QIF files, as well as OFX, QFX and CSV.
  • GnuCash, Moneydance and many other desktop money apps have a QIF importer.
  • Quicken is a special case. Quicken's own help pages disagree about whether QIF can go into checking, savings and credit card accounts, and some say it cannot. For those accounts, a QFX file is the dependable choice: use the CSV to QFX converter. QIF is fine for Quicken cash, asset and liability accounts.

How to convert a CSV to QIF

  1. Download your transactions from online banking as CSV or Excel.
  2. Drop the file into step 1. Account details above the column names are skipped automatically.
  3. In step 2, check the date, description and amount columns. Money out should show in red as a negative amount. If a card export lists purchases as positive numbers, tick Reverse signs.
  4. In step 3, choose the account type and the date format, and add the account name if you want one.
  5. Download the .qif file and import it in your app.

The settings in step 3

Account type

This becomes the !Type line at the top of the file. Choose Bank for checking and savings, Credit card for cards, or Cash, Other asset or Other liability for those registers. Some apps refuse a file whose type does not match the account you import into.

Account name

If you type a name, the file starts with an account header. Apps that read it file the transactions under the account with exactly that name, and may create one if none matches. Leave it blank and you choose the account during the import.

Date format

QIF files have no fixed date order, so apps guess or ask. US software usually expects month first; most apps elsewhere expect day first. If your app asks which format the file uses, give the one you picked here.

Good to know

  • Categories are not included. Bank exports rarely have them, so assign categories in your app after importing.
  • Accented letters are simplified, so "Café" becomes "Cafe". Older QIF importers misread anything outside plain ASCII.
  • There are no transaction IDs. Unlike QFX and OFX, QIF cannot mark transactions as already imported. Avoid importing overlapping date ranges, or check for duplicates afterwards.

Questions

Is my file uploaded anywhere?

No. The file is read and converted by JavaScript in this browser tab. You can turn off Wi-Fi after the page loads and it still works.

QIF, QFX or OFX: which should I use?

If your app accepts OFX or QFX, those are usually better, because each transaction carries an ID that helps prevent duplicates. Use QIF when your app or account type only takes QIF. You can make the others with the CSV to OFX and CSV to QFX converters.

Can I convert a QIF file back to a spreadsheet?

Yes, with the QIF to CSV converter.

Does it handle separate debit and credit columns?

Yes. Choose the separate money out and money in option in step 2, and the amounts are combined into one signed amount in the QIF file.

Check for yourself that nothing is uploaded

  1. Open this page, then turn off Wi-Fi or switch on airplane mode.
  2. Drop your file into the tool and convert it. It still works, because the conversion runs in your browser, not on a server.
  3. For a closer look, open your browser's developer tools and watch the Network tab while you choose a file. No request carries your file anywhere.

The tools work in current versions of Chrome, Edge, Safari and Firefox, on computers and phones.

Last reviewed November 11, 2026. Found a bank export this tool reads wrongly? Tell us about the layout and we will look at it.

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