--- title: "PDF to QBO Converter for QuickBooks Online | Crossfooted" description: "Convert PDF bank and credit card statements into QuickBooks Online (QBO) files, with every running balance checked first. Free for 20 pages a month." url: "https://crossfooted.com/pdf-to-qbo" --- Bank and credit card statements # PDF to QBO converter for QuickBooks Online Crossfooted converts PDF bank statements into a file QuickBooks Online imports, and checks every row against the bank’s own running balance first, so what you import adds up. [Start free](https://crossfooted.com/signup) [See how it works](https://crossfooted.com/demo) No card needed · 20 free pages every month You get a QuickBooks Online CSV or OFX file ([how to import it](https://crossfooted.com/pdf-to-qbo#import)). For QuickBooks Desktop, see [below](https://crossfooted.com/pdf-to-qbo#desktop). ![A Northwind Bank statement PDF beside its converted table. Balances verified; the rent row is outlined in both.](https://crossfooted.com/landing/hero.png) Your statement beside the table it became, with every balance checked. ## Convert a PDF bank statement to QBO in three steps 1. ### Drop your PDF statements One statement or a year of them, bank or credit card, from any bank. 2. ### We check every row Each row is checked against the bank’s running balance, usually in under a minute. Anything that doesn’t add up is shown beside the PDF. 3. ### Download for QuickBooks Pick QuickBooks Online (CSV) or OFX, then upload it. ## A file QuickBooks Online accepts first time You can preview the first rows before you download, or try ours: a sample [QuickBooks CSV](https://crossfooted.com/samples/northwind-quickbooks-sample.csv) and [OFX](https://crossfooted.com/samples/northwind-quickbooks-sample.ofx) made from the statement above. *(Picture: The export window with a preview of the first rows in QuickBooks Online format: Date, Description, Amount.)* Built for the upload ### The three columns QuickBooks asks for Date, Description and Amount, with money in as positive and money out as negative. Characters it won’t take are removed, and dates come out in the format you pick. *(Picture: A long statement split into two QuickBooks files, each under the upload limits.)* No upload errors ### Long statements split for you QuickBooks Online takes up to 1,000 lines and 350 KB per upload. Bigger statements are split into parts that each fit, so nothing is cut off. - Opening and carried-forward balance lines are left out, so they never show up in QuickBooks as deposits. - Rows are in date order, even when the statement prints them by type. - A PDF with more than one account gives you one file per account. - No year printed on the statement? You’re asked for it before you download. ## How to import it into QuickBooks Online About a minute per account. Upload one account at a time. 1. In QuickBooks Online, go to **Accounting → Bank transactions**. 2. Pick the account, open **Link account** and choose **Upload from file**. If the account isn’t connected to a bank feed, choose **Upload transactions** instead. 3. Drop in the file from Crossfooted and press **Continue**. 4. Choose the QuickBooks account the transactions belong to, then **Continue**. 5. For a CSV, match the columns: Date, Description and Amount, and the date format you downloaded. An OFX file skips this step. 6. Tick the transactions to add, press **Continue**, then **Yes**, then **Done**. - **Already have a bank feed on that account?** Upload only the dates the feed doesn’t cover, so nothing appears twice. - **Afterwards,** reconcile the account against the statement’s closing balance as usual. Steps from QuickBooks’ own guide to [uploading transactions into QuickBooks Online](https://quickbooks.intuit.com/learn-support/en-us/banking/manually-upload-transactions-into-quickbooks-online/00/239718). File rules, errors and fixes are in our full guide: [how to import bank statements into QuickBooks Online](https://crossfooted.com/guides/import-bank-statements-quickbooks-online). ## Check it before it’s in your books ![A warning: row 3, rent, should leave 5,609.40 but the statement shows 6,109.40, off by 500.00.](https://crossfooted.com/landing/caught.png) Catch mistakes ### A wrong row is found before you import One missing or misread row and your reconciliation won’t match the bank. AI reads the statement, but the checking is plain arithmetic: every running balance has to add up, and the row that’s off is shown beside the PDF so you can fix it in a click. *(Picture: January to March carry over; April is missing.)* Catching up on a year ### Every month carries into the next Drop in a year of statements. We sort them by account and month, check each closing balance matches the next opening balance, and flag a missing month before it becomes a gap in your books. ## QuickBooks reads PDFs now. Why use Crossfooted? QuickBooks Online can now read a PDF or photo of an English statement through the same **Upload from file** screen, and you review what it found before saving. For a short, clean statement that may be all you need. Crossfooted is for when you need to be sure the numbers are right before they’re in your books: - **Every row is checked.** Each running balance has to add up, and the opening and closing balances have to match the statement. You see exactly which row is off, beside the PDF. - **A year at once.** Drop in every statement for an account; each month is checked to carry into the next, and a missing month is flagged. - **One conversion, any app.** The same statement downloads for QuickBooks Online, Xero, Excel or CSV. - **Nobody else reads your statements.** We don’t look at them unless you ask us to. (QuickBooks says its team may review statements it reads.) ## CSV or OFX? | | QuickBooks Online (CSV) | OFX | | --- | --- | --- | | Matching columns in QuickBooks | Once per upload: Date, Description, Amount | Not needed | | Date format | You pick it | Built into the file | | Also opens in | Excel and other spreadsheets | Xero and other accounting apps | | Best for | Checking the file yourself first | The fewest clicks | Both are free on every plan. Not sure? Start with the CSV. ## What about QuickBooks Desktop? QuickBooks Desktop only imports bank transactions from **.qbo** files, also called Web Connect files, and it checks that each one comes from a bank that takes part in Intuit’s Web Connect program. It can’t import a CSV of bank transactions. Some converters get round this by stamping their file with another bank’s ID. We don’t: it labels your transactions as coming from a bank they didn’t come from, and it can stop working whenever that list changes. So Crossfooted isn’t the right tool for importing into QuickBooks Desktop today. If you use Desktop, download the .qbo file from your bank’s website where it offers one. ## Simple pricing Every plan has every feature, including the QuickBooks export. Pay monthly, or once for a one-off job. ### Free plan $0 forever [Start free](https://crossfooted.com/signup) - **20 pages** a month - About 6 statements - Files kept 24 hours ### Pro plan (Most popular) $29 / month [Choose Pro](https://crossfooted.com/signup?plan=pro) - **300 pages** a month - About 90 statements - Files kept 30 days ### Business plan $79 / month [Choose Business](https://crossfooted.com/signup?plan=business) - **1,500 pages** a month - About 450 statements - Lowest price per page **One-off job?** Buy **500 pages once for $49**. No subscription. Used after your plan’s monthly pages, any time in the next 12 months, on any plan, Free included. [Buy 500 pages](https://crossfooted.com/signup?plan=pack) No annual contract, cancel in two clicks. Prices in US dollars, plus tax where it applies. ## PDF to QBO questions #### Can QuickBooks import a PDF bank statement? QuickBooks Online can now read a PDF or photo of an English statement from Upload from file, and you check what it found before saving. QuickBooks Desktop can’t: it only imports .qbo files from your bank. If you want every row checked against the bank’s balance first, or a year of statements done at once, convert with Crossfooted and upload the CSV or OFX instead. #### How do I convert a PDF to QBO for free? Sign up for the Free plan: 20 pages a month, about 6 statements, with no card needed and no time limit. Confirm your email, drop in your PDF, and download the QuickBooks Online file. For more, paid plans are monthly with no annual contract, or a one-time pack of 500 pages lasts 12 months. #### What is a QBO file? QBO means two things. It’s short for QuickBooks Online, and .qbo is also a file type (Web Connect) that banks offer for QuickBooks. Crossfooted makes files for QuickBooks Online, as CSV or OFX. It doesn’t make .qbo Web Connect files. #### What’s the difference between QBO, OFX, QFX, QIF and CSV? They’re all ways to move transactions between apps. CSV is a plain table, and you match its columns when you upload it. OFX is the standard bank format, which QuickBooks Online and Xero both read. QBO is OFX with an Intuit bank ID, for QuickBooks Web Connect. QFX is the same idea for Quicken. QIF is an older format that Quicken still reads and QuickBooks Online doesn’t. For QuickBooks Online, use our CSV or OFX. #### Does it work with QuickBooks Desktop? Not for importing. QuickBooks Desktop only takes .qbo files from banks in Intuit’s Web Connect program, and we don’t make those. You can still convert statements to Excel or CSV for your own records. #### Will I get duplicate transactions? Only if you import the same statement twice. QuickBooks shows every transaction before it’s added and you choose which ones to import, so you can leave out any you already have. #### Can I convert a whole year of statements at once? Yes. Drop them all in. We sort them by account and month, check each month carries into the next, and flag any missing month. You get one QuickBooks file per account, or one per statement if you prefer. #### My bank only has PDFs for old or closed accounts. Will this work? Yes, that’s what it’s for: statements past your bank’s download window, accounts that have been closed, or a client who only sends PDFs. Crossfooted reads the PDF itself and needs no connection to the bank. #### What if one PDF has several accounts, or several months? Both work. A PDF with more than one account gives you one QuickBooks file per account. A PDF covering several months is read as one statement, up to 30 pages on Free and 50 on paid plans or with a page pack. #### Do credit card statements work? Yes. Bank and credit card statements both work, from big banks, small banks and credit unions. #### Do scanned statements work? Yes. Digital PDFs and many scanned or image-based statements both work. Cleaner scans convert more reliably, and the balance check tells you if a line was missed. #### What if QuickBooks won’t accept the file? Check that you picked the same date format when matching columns as the one you downloaded. If it still won’t import, email [hello@crossfooted.com](mailto:hello@crossfooted.com) with the message QuickBooks shows. #### Do I need to install anything? No. Crossfooted runs in your web browser, on Mac or Windows. There’s nothing to download except your QuickBooks file. #### Is my financial data safe? Nothing is uploaded until you press Convert. Files are encrypted, deleted automatically after 24 hours (Free) or 30 days (paid), and you can delete them sooner with one click. Nobody here looks at your statements unless you ask us to, and they’re never sold or used to train AI. Details on our [Security](https://crossfooted.com/security) page. ## Into QuickBooks Online, balanced first Convert a PDF bank or credit card statement into a QuickBooks Online file, with every row checked against the bank’s balance before you import. [Start free](https://crossfooted.com/signup) [See how it works](https://crossfooted.com/demo) 20 free pages every month · No card needed