Free online CSV to QIF converter

Source format: CSV

CSV (comma-separated values) is a plain-text tabular format used to store rows and columns of data. It is widely used by spreadsheets, accounting tools, banks, and export/import workflows because it is simple, compact, and easy to generate. In finance, CSV files often contain transaction lists with fields such as date, payee, amount, category, and notes.

CSV is especially common when exporting data from online banking portals, bookkeeping software, or spreadsheet apps such as Excel and LibreOffice Calc. Because it is text-based, it can be opened and edited in many programs, but the exact column order, delimiter, quoting rules, and date formats may vary between exporters.

Target format: QIF

QIF (Quicken Interchange Format) is a text-based financial data format used to import transactions, account information, categories, and other records into personal finance software. It is commonly associated with Quicken and other budgeting or accounting applications that support legacy import workflows.

QIF uses a simple line-based structure with single-letter field codes. Common transaction fields include D for date, T for amount, P for payee, M for memo, and L for category. The exact fields accepted can depend on the target application and account type.

Important: QIF is a legacy format. Many modern finance apps prefer OFX, QFX, or direct bank feeds, and some support QIF only for certain account types or import scenarios.

How to convert CSV to QIF

The most reliable way to convert CSV to QIF is to use a converter that understands financial transaction fields and can map them correctly into QIF records. If your CSV already contains the needed columns, you can convert it on 101convert.com for free without installing any software.

1. Prepare the CSV file so each row represents one transaction.
2. Check that the file includes the fields your target finance app expects, such as date, amount, payee, memo, and category.
3. Upload the CSV file to the converter.
4. Select QIF as the output format.
5. Review any field-mapping options if available, especially for date format, debit/credit signs, and account type.
6. Start the conversion and download the resulting .qif file.
7. Import the QIF file into your finance software using its import function, often found under File → Import or File → Import → QIF.

If you prefer desktop software, some finance applications and scripting tools can also create QIF files from CSV data. Spreadsheet software can help clean and rearrange columns before conversion, while scripts can handle custom mappings when the CSV structure is unusual.

What to check before converting

CSV files are flexible, so their column order and separators can differ widely. A successful conversion usually requires mapping CSV fields to the QIF structure and cleaning the source data first. Remove extra header rows, summary lines, blank rows, and any notes that are not actual transactions.

Pay special attention to the date format, decimal separator, currency symbols, and character encoding. If the CSV contains quoted commas, accented characters, or non-ASCII symbols, make sure the converter preserves them correctly.

Common issues

• Date format mismatches between the CSV export and the QIF importer
• Currency and decimal separator differences, especially with regional settings
• Missing or extra columns in the CSV file
• Encoding problems with special characters in payee names or memos
• Unsupported transaction types, split transactions, or account-specific limitations
• Incorrect account type mapping, which can cause import errors or missing transactions

Best practices

Before converting, make a backup of the original CSV file and test the result with a small sample of transactions. Compare the imported data against the source to ensure dates, amounts, categories, and running balances are correct. For sensitive financial data, prefer offline tools or a local workflow over web-based services.

If the destination app does not support QIF well, consider whether it accepts OFX, QFX, or MT940 instead. These formats may offer better compatibility with certain software. Some applications also support CSV import directly, which can be simpler than converting to QIF.

Related formats

OFX and QFX are common banking formats for transaction import, while MT940 is often used for bank statement exchange. Compared with CSV, QIF is more structured for finance imports but less flexible and less widely supported in newer software.