Sample QBO File
Downloadable QuickBooks Web Connect (.qbo) samples — a bank statement and a credit-card statement carrying the same 20 signed transactions, with a parsed CSV preview and full field schema.
Personal Finance QBO (QuickBooks Web Connect) Text format
sample-bank-statement.qbo · sample-credit-card.qbo
Data Preview
20 rows × 7 columns
| 1 | Date | Amount | Type | Name | Memo | FITID | Check Number |
| 2 | 2025-01-02 | 3850.00 | CREDIT | Direct Deposit - Payroll | 3hdsutd88xk00 | ||
| 3 | 2025-01-03 | -87.32 | DEBIT | Whole Foods Market | 35lhct0j8so00 | ||
| 4 | 2025-01-04 | -52.18 | DEBIT | Shell Gas Station | 2qrifxycz0800 | ||
| 5 | 2025-01-05 | -15.99 | DEBIT | Netflix Subscription | 6im3579l53k0 | ||
| 6 | 2025-01-06 | -500.00 | DEBIT | Transfer to Savings | 3yl23e86soq0 | ||
| 7 | 2025-01-07 | -6.45 | DEBIT | Starbucks | 2d16p6y5hqjo0 | ||
| 8 | 2025-01-08 | -128.50 | DEBIT | Electric Company | Monthly electric bill | 1uwatnrqmon40 | |
| 9 | 2025-01-09 | -1750.00 | CHECK | Oakwood Property Management | January rent | 2ac07t1v4rfo0 | 1042 |
| 10 | 2025-01-10 | -43.97 | DEBIT | Amazon.com | 2xgfwvwng3g00 | ||
| 11 | 2025-01-11 | -62.84 | DEBIT | Trader Joe's | 38wxrfihmj000 | ||
| 12 | 2025-01-12 | -18.50 | DEBIT | Uber Ride | 22y5k01wi6o00 | ||
| 13 | 2025-01-13 | -85.00 | DEBIT | AT&T Wireless | Monthly phone bill | 2ah5mpq5ylno0 | |
| 14 | 2025-01-14 | -12.95 | DEBIT | Chipotle | 24h72olz66g00 | ||
| 15 | 2025-01-15 | 750.00 | CREDIT | Freelance Payment | Invoice #204 | 2wflkpu5td800 | |
| 16 | 2025-01-16 | 3850.00 | CREDIT | Direct Deposit - Payroll | 1suk9ao9m1b40 | ||
| 17 | 2025-01-17 | -94.17 | DEBIT | Whole Foods Market | 3k7tlcq5tq200 | ||
| 18 | 2025-01-18 | -29.99 | DEBIT | Planet Fitness | 8az5h4gxvlo0 | ||
| 19 | 2025-01-19 | -156.33 | DEBIT | Home Depot | k4tjrrvrsm80 | ||
| 20 | 2025-01-20 | -220.00 | DEBIT | Insurance Premium | 3bd27doe0ya00 | ||
| 21 | 2025-01-30 | 35.00 | CREDIT | Venmo Refund | Refund from friend | 2xp0mv4pm6w00 |
Raw File Contents
Download Bank Statement (.qbo)
sample-bank-statement.qbo
OFXHEADER:100 DATA:OFXSGML VERSION:102 SECURITY:NONE ENCODING:USASCII CHARSET:1252 COMPRESSION:NONE OLDFILEUID:NONE NEWFILEUID:NONE <OFX> <SIGNONMSGSRSV1> <SONRS> <STATUS><CODE>0</CODE><SEVERITY>INFO</SEVERITY></STATUS> <DTSERVER>20260725140250[0:GMT]</DTSERVER> <LANGUAGE>ENG</LANGUAGE> <FI> <ORG>Example Bank</ORG> <FID>3000</FID> </FI> <INTU.BID>3000</INTU.BID> </SONRS> </SIGNONMSGSRSV1> <BANKMSGSRSV1> <STMTTRNRS> <TRNUID>0</TRNUID> <STATUS><CODE>0</CODE><SEVERITY>INFO</SEVERITY></STATUS> <STMTRS> <CURDEF>USD</CURDEF> <BANKACCTFROM> <BANKID>021000021</BANKID> <ACCTID>******7890</ACCTID> <ACCTTYPE>CHECKING</ACCTTYPE> </BANKACCTFROM> <BANKTRANLIST> <DTSTART>20250102000000[0:GMT]</DTSTART> <DTEND>20250130000000[0:GMT]</DTEND> <STMTTRN> <TRNTYPE>CREDIT</TRNTYPE> <DTPOSTED>20250102000000[0:GMT]</DTPOSTED> <TRNAMT>3850.00</TRNAMT> <FITID>3hdsutd88xk00</FITID> <NAME>Direct Deposit - Payroll</NAME> </STMTTRN> <STMTTRN> <TRNTYPE>DEBIT</TRNTYPE> <DTPOSTED>20250103000000[0:GMT]</DTPOSTED> <TRNAMT>-87.32</TRNAMT> <FITID>35lhct0j8so00</FITID> <NAME>Whole Foods Market</NAME> </STMTTRN> <STMTTRN> <TRNTYPE>DEBIT</TRNTYPE> <DTPOSTED>20250104000000[0:GMT]</DTPOSTED> <TRNAMT>-52.18</TRNAMT> <FITID>2qrifxycz0800</FITID> <NAME>Shell Gas Station</NAME> </STMTTRN> <STMTTRN> <TRNTYPE>DEBIT</TRNTYPE> <DTPOSTED>20250105000000[0:GMT]</DTPOSTED> <TRNAMT>-15.99</TRNAMT> <FITID>6im3579l53k0</FITID> <NAME>Netflix Subscription</NAME> </STMTTRN> <STMTTRN> <TRNTYPE>DEBIT</TRNTYPE> <DTPOSTED>20250106000000[0:GMT]</DTPOSTED> <TRNAMT>-500.00</TRNAMT> <FITID>3yl23e86soq0</FITID> <NAME>Transfer to Savings</NAME> </STMTTRN> <STMTTRN> <TRNTYPE>DEBIT</TRNTYPE> <DTPOSTED>20250107000000[0:GMT]</DTPOSTED> <TRNAMT>-6.45</TRNAMT> <FITID>2d16p6y5hqjo0</FITID> <NAME>Starbucks</NAME> </STMTTRN> <STMTTRN> <TRNTYPE>DEBIT</TRNTYPE> <DTPOSTED>20250108000000[0:GMT]</DTPOSTED> <TRNAMT>-128.50</TRNAMT> <FITID>1uwatnrqmon40</FITID> <NAME>Electric Company</NAME> <MEMO>Monthly electric bill</MEMO> </STMTTRN> <STMTTRN> <TRNTYPE>CHECK</TRNTYPE> <DTPOSTED>20250109000000[0:GMT]</DTPOSTED> <TRNAMT>-1750.00</TRNAMT> <FITID>2ac07t1v4rfo0</FITID> <CHECKNUM>1042</CHECKNUM> <NAME>Oakwood Property Management</NAME> <MEMO>January rent</MEMO> </STMTTRN> <STMTTRN> <TRNTYPE>DEBIT</TRNTYPE> <DTPOSTED>20250110000000[0:GMT]</DTPOSTED> <TRNAMT>-43.97</TRNAMT> <FITID>2xgfwvwng3g00</FITID> <NAME>Amazon.com</NAME> </STMTTRN> <STMTTRN> <TRNTYPE>DEBIT</TRNTYPE> <DTPOSTED>20250111000000[0:GMT]</DTPOSTED> <TRNAMT>-62.84</TRNAMT> <FITID>38wxrfihmj000</FITID> <NAME>Trader Joe's</NAME> </STMTTRN> <STMTTRN> <TRNTYPE>DEBIT</TRNTYPE> <DTPOSTED>20250112000000[0:GMT]</DTPOSTED> <TRNAMT>-18.50</TRNAMT> <FITID>22y5k01wi6o00</FITID> <NAME>Uber Ride</NAME> </STMTTRN> <STMTTRN> <TRNTYPE>DEBIT</TRNTYPE> <DTPOSTED>20250113000000[0:GMT]</DTPOSTED> <TRNAMT>-85.00</TRNAMT> <FITID>2ah5mpq5ylno0</FITID> <NAME>AT&T Wireless</NAME> <MEMO>Monthly phone bill</MEMO> </STMTTRN> <STMTTRN> <TRNTYPE>DEBIT</TRNTYPE> <DTPOSTED>20250114000000[0:GMT]</DTPOSTED> <TRNAMT>-12.95</TRNAMT> <FITID>24h72olz66g00</FITID> <NAME>Chipotle</NAME> </STMTTRN> <STMTTRN> <TRNTYPE>CREDIT</TRNTYPE> <DTPOSTED>20250115000000[0:GMT]</DTPOSTED> <TRNAMT>750.00</TRNAMT> <FITID>2wflkpu5td800</FITID> <NAME>Freelance Payment</NAME> <MEMO>Invoice #204</MEMO> </STMTTRN> <STMTTRN> <TRNTYPE>CREDIT</TRNTYPE> <DTPOSTED>20250116000000[0:GMT]</DTPOSTED> <TRNAMT>3850.00</TRNAMT> <FITID>1suk9ao9m1b40</FITID> <NAME>Direct Deposit - Payroll</NAME> </STMTTRN> <STMTTRN> <TRNTYPE>DEBIT</TRNTYPE> <DTPOSTED>20250117000000[0:GMT]</DTPOSTED> <TRNAMT>-94.17</TRNAMT> <FITID>3k7tlcq5tq200</FITID> <NAME>Whole Foods Market</NAME> </STMTTRN> <STMTTRN> <TRNTYPE>DEBIT</TRNTYPE> <DTPOSTED>20250118000000[0:GMT]</DTPOSTED> <TRNAMT>-29.99</TRNAMT> <FITID>8az5h4gxvlo0</FITID> <NAME>Planet Fitness</NAME> </STMTTRN> <STMTTRN> <TRNTYPE>DEBIT</TRNTYPE> <DTPOSTED>20250119000000[0:GMT]</DTPOSTED> <TRNAMT>-156.33</TRNAMT> <FITID>k4tjrrvrsm80</FITID> <NAME>Home Depot</NAME> </STMTTRN> <STMTTRN> <TRNTYPE>DEBIT</TRNTYPE> <DTPOSTED>20250120000000[0:GMT]</DTPOSTED> <TRNAMT>-220.00</TRNAMT> <FITID>3bd27doe0ya00</FITID> <NAME>Insurance Premium</NAME> </STMTTRN> <STMTTRN> <TRNTYPE>CREDIT</TRNTYPE> <DTPOSTED>20250130000000[0:GMT]</DTPOSTED> <TRNAMT>35.00</TRNAMT> <FITID>2xp0mv4pm6w00</FITID> <NAME>Venmo Refund</NAME> <MEMO>Refund from friend</MEMO> </STMTTRN> </BANKTRANLIST> <LEDGERBAL> <BALAMT>9470.81</BALAMT> <DTASOF>20250130000000[0:GMT]</DTASOF> </LEDGERBAL> </STMTRS> </STMTTRNRS> </BANKMSGSRSV1> </OFX>
Download Credit Card (.qbo)
sample-credit-card.qbo
OFXHEADER:100 DATA:OFXSGML VERSION:102 SECURITY:NONE ENCODING:USASCII CHARSET:1252 COMPRESSION:NONE OLDFILEUID:NONE NEWFILEUID:NONE <OFX> <SIGNONMSGSRSV1> <SONRS> <STATUS><CODE>0</CODE><SEVERITY>INFO</SEVERITY></STATUS> <DTSERVER>20260725140250[0:GMT]</DTSERVER> <LANGUAGE>ENG</LANGUAGE> <FI> <ORG>Example Card Services</ORG> <FID>4321</FID> </FI> <INTU.BID>4321</INTU.BID> </SONRS> </SIGNONMSGSRSV1> <CREDITCARDMSGSRSV1> <CCSTMTTRNRS> <TRNUID>0</TRNUID> <STATUS><CODE>0</CODE><SEVERITY>INFO</SEVERITY></STATUS> <CCSTMTRS> <CURDEF>USD</CURDEF> <CCACCTFROM> <ACCTID>******4444</ACCTID> </CCACCTFROM> <BANKTRANLIST> <DTSTART>20250102000000[0:GMT]</DTSTART> <DTEND>20250130000000[0:GMT]</DTEND> <STMTTRN> <TRNTYPE>CREDIT</TRNTYPE> <DTPOSTED>20250102000000[0:GMT]</DTPOSTED> <TRNAMT>3850.00</TRNAMT> <FITID>3hdsutd88xk00</FITID> <NAME>Direct Deposit - Payroll</NAME> </STMTTRN> <STMTTRN> <TRNTYPE>DEBIT</TRNTYPE> <DTPOSTED>20250103000000[0:GMT]</DTPOSTED> <TRNAMT>-87.32</TRNAMT> <FITID>35lhct0j8so00</FITID> <NAME>Whole Foods Market</NAME> </STMTTRN> <STMTTRN> <TRNTYPE>DEBIT</TRNTYPE> <DTPOSTED>20250104000000[0:GMT]</DTPOSTED> <TRNAMT>-52.18</TRNAMT> <FITID>2qrifxycz0800</FITID> <NAME>Shell Gas Station</NAME> </STMTTRN> <STMTTRN> <TRNTYPE>DEBIT</TRNTYPE> <DTPOSTED>20250105000000[0:GMT]</DTPOSTED> <TRNAMT>-15.99</TRNAMT> <FITID>6im3579l53k0</FITID> <NAME>Netflix Subscription</NAME> </STMTTRN> <STMTTRN> <TRNTYPE>DEBIT</TRNTYPE> <DTPOSTED>20250106000000[0:GMT]</DTPOSTED> <TRNAMT>-500.00</TRNAMT> <FITID>3yl23e86soq0</FITID> <NAME>Transfer to Savings</NAME> </STMTTRN> <STMTTRN> <TRNTYPE>DEBIT</TRNTYPE> <DTPOSTED>20250107000000[0:GMT]</DTPOSTED> <TRNAMT>-6.45</TRNAMT> <FITID>2d16p6y5hqjo0</FITID> <NAME>Starbucks</NAME> </STMTTRN> <STMTTRN> <TRNTYPE>DEBIT</TRNTYPE> <DTPOSTED>20250108000000[0:GMT]</DTPOSTED> <TRNAMT>-128.50</TRNAMT> <FITID>1uwatnrqmon40</FITID> <NAME>Electric Company</NAME> <MEMO>Monthly electric bill</MEMO> </STMTTRN> <STMTTRN> <TRNTYPE>CHECK</TRNTYPE> <DTPOSTED>20250109000000[0:GMT]</DTPOSTED> <TRNAMT>-1750.00</TRNAMT> <FITID>2ac07t1v4rfo0</FITID> <CHECKNUM>1042</CHECKNUM> <NAME>Oakwood Property Management</NAME> <MEMO>January rent</MEMO> </STMTTRN> <STMTTRN> <TRNTYPE>DEBIT</TRNTYPE> <DTPOSTED>20250110000000[0:GMT]</DTPOSTED> <TRNAMT>-43.97</TRNAMT> <FITID>2xgfwvwng3g00</FITID> <NAME>Amazon.com</NAME> </STMTTRN> <STMTTRN> <TRNTYPE>DEBIT</TRNTYPE> <DTPOSTED>20250111000000[0:GMT]</DTPOSTED> <TRNAMT>-62.84</TRNAMT> <FITID>38wxrfihmj000</FITID> <NAME>Trader Joe's</NAME> </STMTTRN> <STMTTRN> <TRNTYPE>DEBIT</TRNTYPE> <DTPOSTED>20250112000000[0:GMT]</DTPOSTED> <TRNAMT>-18.50</TRNAMT> <FITID>22y5k01wi6o00</FITID> <NAME>Uber Ride</NAME> </STMTTRN> <STMTTRN> <TRNTYPE>DEBIT</TRNTYPE> <DTPOSTED>20250113000000[0:GMT]</DTPOSTED> <TRNAMT>-85.00</TRNAMT> <FITID>2ah5mpq5ylno0</FITID> <NAME>AT&T Wireless</NAME> <MEMO>Monthly phone bill</MEMO> </STMTTRN> <STMTTRN> <TRNTYPE>DEBIT</TRNTYPE> <DTPOSTED>20250114000000[0:GMT]</DTPOSTED> <TRNAMT>-12.95</TRNAMT> <FITID>24h72olz66g00</FITID> <NAME>Chipotle</NAME> </STMTTRN> <STMTTRN> <TRNTYPE>CREDIT</TRNTYPE> <DTPOSTED>20250115000000[0:GMT]</DTPOSTED> <TRNAMT>750.00</TRNAMT> <FITID>2wflkpu5td800</FITID> <NAME>Freelance Payment</NAME> <MEMO>Invoice #204</MEMO> </STMTTRN> <STMTTRN> <TRNTYPE>CREDIT</TRNTYPE> <DTPOSTED>20250116000000[0:GMT]</DTPOSTED> <TRNAMT>3850.00</TRNAMT> <FITID>1suk9ao9m1b40</FITID> <NAME>Direct Deposit - Payroll</NAME> </STMTTRN> <STMTTRN> <TRNTYPE>DEBIT</TRNTYPE> <DTPOSTED>20250117000000[0:GMT]</DTPOSTED> <TRNAMT>-94.17</TRNAMT> <FITID>3k7tlcq5tq200</FITID> <NAME>Whole Foods Market</NAME> </STMTTRN> <STMTTRN> <TRNTYPE>DEBIT</TRNTYPE> <DTPOSTED>20250118000000[0:GMT]</DTPOSTED> <TRNAMT>-29.99</TRNAMT> <FITID>8az5h4gxvlo0</FITID> <NAME>Planet Fitness</NAME> </STMTTRN> <STMTTRN> <TRNTYPE>DEBIT</TRNTYPE> <DTPOSTED>20250119000000[0:GMT]</DTPOSTED> <TRNAMT>-156.33</TRNAMT> <FITID>k4tjrrvrsm80</FITID> <NAME>Home Depot</NAME> </STMTTRN> <STMTTRN> <TRNTYPE>DEBIT</TRNTYPE> <DTPOSTED>20250120000000[0:GMT]</DTPOSTED> <TRNAMT>-220.00</TRNAMT> <FITID>3bd27doe0ya00</FITID> <NAME>Insurance Premium</NAME> </STMTTRN> <STMTTRN> <TRNTYPE>CREDIT</TRNTYPE> <DTPOSTED>20250130000000[0:GMT]</DTPOSTED> <TRNAMT>35.00</TRNAMT> <FITID>2xp0mv4pm6w00</FITID> <NAME>Venmo Refund</NAME> <MEMO>Refund from friend</MEMO> </STMTTRN> </BANKTRANLIST> <LEDGERBAL> <BALAMT>-1264.19</BALAMT> <DTASOF>20250130000000[0:GMT]</DTASOF> </LEDGERBAL> </CCSTMTRS> </CCSTMTTRNRS> </CREDITCARDMSGSRSV1> </OFX>
Schema
| Field | Type | Description |
|---|---|---|
| Date | date | Posting date parsed from DTPOSTED (YYYYMMDDHHMMSS with a GMT offset in the raw file) |
| Amount | number | Signed transaction amount from TRNAMT — positive for credits, negative for debits |
| Type | string | OFX transaction type from TRNTYPE (CREDIT, DEBIT, CHECK, etc.) |
| Name | string | Payee or merchant name from the NAME element |
| Memo | string | Optional free-text note from the MEMO element (blank on most rows) |
| FITID | string | Financial Institution Transaction ID — unique per account, used by importers to skip duplicates |
| Check Number | string | Check number from CHECKNUM, present only on check transactions |
About the QBO (QuickBooks Web Connect) Format
A .qbo file is a QuickBooks Web Connect statement — the file your bank generates when you click “Download for QuickBooks.” Under the hood it is plain OFX 1.02 with a handful of Intuit extension tags, most notably <INTU.BID>, the bank’s ID in Intuit’s directory.
File structure
The file opens with nine colon-delimited SGML header lines (OFXHEADER:100, DATA:OFXSGML, VERSION:102, …), then a blank line, then the <OFX> document:
<SIGNONMSGSRSV1>— sign-on response with server timestamp,<FI>(bank name and FID), and the QBO-specific<INTU.BID><BANKMSGSRSV1>→<STMTTRNRS>→<STMTRS>— the bank statement (the credit-card variant uses<CREDITCARDMSGSRSV1>→<CCSTMTTRNRS>→<CCSTMTRS>instead)<BANKTRANLIST>— the transaction list, bounded by<DTSTART>/<DTEND>, holding one<STMTTRN>per transaction<LEDGERBAL>— closing balance and as-of date
Each <STMTTRN> carries TRNTYPE, DTPOSTED, a signed TRNAMT, a FITID, and a NAME, plus optional MEMO and CHECKNUM. FITID must be unique per account — it is the key QuickBooks uses to skip transactions it has already imported.
Parsing notes
OFX 1.02 is SGML, not XML: leaf elements like <TRNAMT>-87.32 are legally left unclosed, so a strict XML parser will fail. Use an OFX-aware library (ofxparse or ofxtools in Python, ofx-js in Node) or normalize the tags first. Or skip the parsing entirely: QBO to CSV extracts the transactions in the browser, and CSV to QBO writes files with this exact structure.
Both downloads express the same 20-transaction set as the QFX, OFX, and QIF samples, so the four pages double as a format-to-format Rosetta stone.
FAQ
4 questionsWill this sample file import into QuickBooks?
Maybe not, and that is expected. QuickBooks validates every Web Connect import against Intuit's registered-bank list, so it may reject any sample file — including this one — with an OL-221/OL-222-class error, even though the file is structurally valid OFX 1.02 that standard parsers accept. Use it for testing parsers, converters, and import scripts rather than a production QuickBooks import.
What is the difference between QBO, QFX, and OFX?
All three share the same OFX structure. A .qbo file is Intuit's QuickBooks Web Connect flavor and a .qfx file is the Quicken flavor — both add Intuit-specific tags such as INTU.BID to plain OFX. Any parser that reads OFX 1.02 will read this .qbo file unchanged.
Is anything uploaded when I download or convert this file?
No. The downloads are static files served straight from the site — nothing you do here is uploaded or processed on a server. The CSV Tools converters linked below also run entirely in your browser.
Why are there two download variants?
Bank and credit-card statements use different OFX wrappers (BANKMSGSRSV1/STMTRS vs CREDITCARDMSGSRSV1/CCSTMTRS), and importers treat them differently. Both variants carry the same 20 transactions so you can diff the structural differences directly.