Do I import into a Bank account or Credit Card account?

Import into a Credit Card account in QuickBooks — not a bank account. QuickBooks treats credit card transactions differently from bank transactions (charges increase the balance, payments decrease it). Importing into the wrong account type will cause reconciliation issues.

Which credit card issuers are supported?

We support credit card statements from all major issuers including Visa, Mastercard, American Express, and Discover, regardless of which bank issued the card.

How do I create a Credit Card account in QuickBooks?

In QuickBooks Online, go to Chart of Accounts > New > Credit Card. Name it after your card (e.g., "Visa ****7832"). Then import the QBO file into this account. QuickBooks Desktop: go to Lists > Chart of Accounts > New > Credit Card.

How are payments and returns handled?

Payments to your credit card appear as credits (positive amounts) in the QBO file. Returns and refunds also appear as credits. QuickBooks correctly reduces your credit card balance for these transactions.

Can I categorize transactions after importing?

Yes! After importing the QBO file, you can categorize each transaction in QuickBooks — assign expense accounts, add classes, or match to existing bills. The import preserves merchant names to make categorization easier.

Credit Card Statement Converter

Our credit card statement converter transforms your PDF credit card statements into QBO format in seconds. Here's exactly what you'll get.

Convert your credit card statement PDFs to QuickBooks-ready QBO files. Import directly into a QuickBooks Credit Card account with merchant names and amounts ready for categorization and reconciliation.

Important: Credit card QBO files should be imported into a Credit Card account in QuickBooks, not a Bank account. This ensures charges and payments are recorded correctly against your credit card balance.

What You Get

A QuickBooks-compatible QBO file formatted for credit card transactions. Merchant names are preserved for easy categorization once imported into QuickBooks.

QBO Output

15 Jan 2025

debit

89.97

AMAZON.COM*1A2B3C4D

Amzn.com/bill WA

TXN-20250115-001

16 Jan 2025

debit

24.50

UBER *TRIP 3F7K9

help.uber.com

TXN-20250116-002

17 Jan 2025

debit

6.75

STARBUCKS #4521

TXN-20250117-003

18 Jan 2025

credit

-500.00

PAYMENT - THANK YOU

Online payment received

TXN-20250118-004

19 Jan 2025

debit

15.99

NETFLIX.COM

Monthly subscription

TXN-20250119-005

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Note: QBO files use the OFX (Open Financial Exchange) format. For credit cards, charges appear as negative amounts (DEBIT) and payments/returns as positive amounts (CREDIT). Each transaction includes a unique FITID to prevent duplicate imports.

OFX Format Structure

<CCSTMTRS>
  <CCSTMTTRNLIST>
    <STMTTRN>
      <TRNTYPE>DEBIT</TRNTYPE>
      <DTPOSTED>20250115</DTPOSTED>
      <TRNAMT>-89.97</TRNAMT>
      <FITID>202501150001</FITID>
      <NAME>AMAZON.COM*1A2B3C4D</NAME>
      <MEMO>Amzn.com/bill WA</MEMO>
    </STMTTRN>
    <STMTTRN>
      <TRNTYPE>CREDIT</TRNTYPE>
      <DTPOSTED>20250118</DTPOSTED>
      <TRNAMT>500.00</TRNAMT>
      <FITID>202501180002</FITID>
      <NAME>PAYMENT - THANK YOU</NAME>
      <MEMO>Online payment received</MEMO>
    </STMTTRN>
  </CCSTMTTRNLIST>
</CCSTMTRS>