Convert QBO to CSV Free.
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1. 1Open the free OFX / QFX to CSV tool and drop the .qbo. Both the SGML layout of OFX 1.x and the XML layout of OFX 2.x are read; the header block is not required, and the file is not uploaded.
2. 2Check the currency, account id and ledger balance shown above the table. They come from CURDEF, ACCTID and LEDGERBAL in the file; the account type follows whether the file uses the bank or the credit-card message set.
3. 3Look over the rows. Each STMTTRN becomes one line with DTPOSTED as the date, NAME and MEMO joined as the description and TRNAMT as a signed amount, money out negative. Edit a row if a description is cut short or a sign looks wrong.
4. 4Download the CSV or Excel. If the point was to find out why QuickBooks rejected the file, the free QBO checker lists the structural problems line by line.

A .qbo is an OFX 1.x file written for QuickBooks. It carries an INTU.BID header, a sign-on block, one STMTTRN per transaction with DTPOSTED, TRNAMT, FITID, NAME and MEMO, and a LEDGERBAL closing balance. QuickBooks Desktop imports it through Web Connect and checks FID, ORG and INTU.BID against Intuit’s directory; QuickBooks Online uploads it on a bank account and validates the structure without that directory check.

A CSV is a flat text table: one line per transaction, fields separated by commas, semicolons or tabs, usually with a header row. Which column holds the date, the description, the amount (or money out and money in) and whether a running balance is present varies by bank, and nothing in the file says which date order it uses. Every spreadsheet and most accounting packages read CSV; QuickBooks Desktop does not.