PDF to QBO Converter for QuickBooks

Each row is checked against the statement's own balance before the file is written, so what you import adds up. The same page writes OFX, QIF, CSV and Excel.

Why this converter

Most statement converters upload your PDF to their server, give you a few free pages a day and then ask for a subscription. A bank statement holds your account number, your balance and everything you spent money on, so this one is built the other way round.

• Your statement never leaves your device. It is opened by your browser, on this page. Open the Network tab in your browser's developer tools while you convert to see for yourself: no request carries your file.
• Every row is checked. Where the statement prints a running balance, each balance must follow from the one before by exactly that row's amount, and the opening balance plus every row must come to the closing balance. Anything that does not add up is highlighted, so you fix one cell instead of re-checking hundreds.
• Fix it on the page. Click any date, description or amount to correct it, delete a line that is not a transaction, undo, and watch the check update as you go.
• Money in and money out the right way round. From separate columns, minus signs, brackets, DR and CR, section headings such as "Withdrawals" or "Payments and other credits", or the running balance itself. Credit cards come out the same way as bank accounts: purchases out, payments in.
• Password-protected statements. Type the password and the PDF opens here; it is not sent anywhere.
• No limits. No daily cap, no page limit, no watermark, no account. Add a whole year of statements at once.
• Every format. Excel with real dates and numbers and a Summary sheet of live formulas, CSV (comma or European semicolon), QBO for QuickBooks, OFX for Xero, Quicken and GnuCash, QIF, or copy the table straight into Google Sheets.

Import the QBO file into QuickBooks

QuickBooks Desktop

Choose File, Utilities, Import, Web Connect Files. Pick the .qbo file and the account it belongs to. The transactions appear in the Bank Feeds centre, where you add or match them.

QuickBooks Online

Open Banking (or Transactions, then Bank transactions), choose Upload transactions, select the .qbo file and the account, and review the transactions before you accept them.

If QuickBooks says the bank is not supported

QuickBooks Desktop reads a bank ID inside every .qbo file and only opens ones it knows. This page writes 3000 by default. If your version refuses it, open the settings above the table, enter your own bank's QuickBooks ID and download again; or upload the CSV in QuickBooks Online, which works with any bank.

Several statements for the same account become one .qbo file, so a year imports in one go. Statements for different accounts come as one file each, in a ZIP.

What the spreadsheet looks like

A Summary sheet lists each statement with its period, opening balance, money in, money out and closing balance. Money in and out are live formulas over the transactions, so if you change a row in Excel the totals and the difference follow.

How we tested it

A PDF has no table inside it, only bits of text placed on the page. The converter rebuilds the rows from where each piece of text sits, so the layout matters. Before release it was run against 16 test statements laid out the way real banks lay theirs out, with invented names and numbers:

• US checking accounts with one amount column, sections for deposits, withdrawals and checks paid, a check-number column and balances printed once a day.
• UK accounts with money out, money in and balance, dates printed once a day, and amounts on the last line of a long description.
• Indian statements with narration, reference and value-date columns, lakh grouping (1,24,550.00) and Dr/Cr marks.
• German statements with decimal commas (1.234,56) and dotted dates, a Canadian one with brackets for money out, and a list printed newest first.
• Credit cards with payments shown with a minus, and with a running balance of what is owed.

Every one came out exactly and balanced, and a 17th with one deliberately wrong balance was caught and highlighted. The Excel files were opened in Microsoft Excel to confirm that the dates, numbers and formulas come through. Your bank may lay its statement out in a way we have not seen, which is why the check is there: if a row is misread, the balance stops adding up and the row is highlighted.

More free tools for statements and PDFs

The same converter, leading with a different file: Bank statement to Excel, Bank statement to CSV and PDF to OFX for Xero and Quicken. Need to send a statement somewhere with a size limit? Compress PDF shrinks it, and Merge PDF puts several months into one file. Both run in your browser too.