PDF to QIF converter for MYOB and Quicken

Convert a bank or credit card statement PDF, scan or photo to QIF, the plain-text bank file MYOB and Quicken for Windows import, with every row checked against the balances printed on the statement.

Last updated September 17, 2026

QIF, the Quicken Interchange Format, is the oldest bank file format still in everyday use, and the one that asks least of you: no account number, no currency, just the transactions. That makes it the practical file for MYOB and for Quicken for Windows, and a dependable fallback for Xero and Sage when OFX is not an option.

Convert a statement3 free pages a day, no account needed

What a QIF file looks like

!Type:Bank
D03/03/2026
T-42.60
PCard payment
^
D05/03/2026
T2140.00
PDeposit
^

One field per line. D is the date, T the amount with money out negative, P the description as printed, and ^ closes the transaction. A card statement starts with !Type:CCard instead of !Type:Bank. Descriptions keep their accented letters, and each one is kept to its first 64 characters.

A QIF file names no account, so the account is the one you choose in your software when you import it.

Choose the date order before you download

A QIF date is written with slashes, and 03/05/2026 is 3 May in Australia and March 5 in the United States. The file puts the day first for every currency except US dollars, which get the month first. When your software expects the other order, set Date order in QIF and CSV files on the Statement details sheet, upload the workbook again and download the QIF. If the software asks for a date format at import, choose the same order.

After an import, look at a transaction whose day is after the 12th. If its month is right, every date in the file is.

How it works

  1. Step 1: Convert your statement

    Upload the PDF, scan or photos on the converter page. The rows are read, then the running balance is rebuilt and compared with each balance the bank printed. This is the step that uses pages.

  2. Step 2: Check it in Excel

    Download the review workbook and correct any row marked Review this row. A QIF file needs only two fields on the Statement details sheet: the Opening balance and the Account type, and both are already filled in from the statement for you to check.

  3. Step 3: Upload it, get your files

    Upload the saved workbook on the same page and press QIF. Every other format comes from the same workbook without using pages.

The review workbook, field by field

Import the QIF file into MYOB

MYOB Business in the browser imports a bank statement as QIF or OFX. AccountRight on the desktop imports OFX, QFX, QIF and OFC. Neither imports a PDF.

  1. MYOB Business: go to Banking, then Bank transactions, then the import option, and choose the .qif file.
  2. AccountRight: go to File, then Import Data, then Bank Statements, and choose the .qif file.
  3. Where MYOB offers a choice of date format, its guidance is dd/mm/yy, which matches a day-first QIF.
  4. Match and allocate as you normally would. Descriptions arrive as the bank printed them.

MYOB imports transactions dated from your opening balance month onward and after any lock date, so on a catch-up job convert from that month forward. A statement file has to be under 10 MB, and a QIF is plain text, so even a long statement is measured in kilobytes. Import bank statements into MYOB has the rest.

Import the QIF file into Quicken for Windows

  1. Open File, then File Import, then QIF File.
  2. Choose the .qif file and the Quicken account the transactions belong to. The account has to exist already.
  3. Review the imported transactions in the account register.

Quicken's current help lists checking, savings and credit card accounts among the account types a QIF import can go into. Older releases took QIF only into cash, asset and liability accounts, so on an older release check that page for your version first. Quicken for Mac reads a QIF file only when it starts a new data file, not into an existing account.

Why QIF and not QFX for Quicken: Quicken's published position is that it does not support QFX files created by third-party conversion software. The QFX download stays in the list for other software that reads Quicken's dialect.

Xero and Sage read QIF too

Xero accepts a .qif file through Import a Statement on the bank account, with no column mapping, and asks you to confirm the date format when a date could be read two ways. The description arrives in Xero's Payee column. Xero recommends OFX first, so where you have the choice, take the OFX file.

Sage accepts QIF in its bank statement import and asks for the date order as it reads the file. Pick the order you set on the Statement details sheet.

Before you import

  • Import each statement once. A QIF file carries no transaction identifier. To bring in a corrected file, delete the earlier import first, unless your software removes duplicates itself as Xero does.
  • Mind the bank feed. Where a live feed already covers part of the period, end the statement the day before the feed's history begins.
  • Card statements. Set Account type to Credit card before you upload the workbook, so the file starts with !Type:CCard, and import it into a credit card account. Credit card statements to Excel.
  • Long descriptions. The QIF keeps the first 64 characters of each description. The full text stays in the Excel and CSV files from the same workbook.
  • Large files. A PDF of up to 100 pages and 50 MB converts in one go, with up to 80 transactions on a page.

Questions

Which file should I use for Quicken?

QIF, in Quicken for Windows: it imports through File, File Import, QIF File, into an account that already exists. Quicken's published position is that it does not support QFX files created by third-party conversion software, so the QFX download is there for other software that reads Quicken's dialect. Quicken for Mac reads a QIF file only when it starts a new data file, not into an existing account.

Does MYOB accept QIF files?

Yes. MYOB Business imports bank statements as QIF or OFX, and AccountRight imports OFX, QFX, QIF and OFC. Neither imports a PDF, which is why the statement is converted first.

Why did my QIF transactions land in the wrong month?

The date order in the file and the order your software read did not match. Delete that import, set Date order in QIF and CSV files on the Statement details sheet, upload the workbook again, download a new QIF and import it. Uploading the workbook again uses no pages.

Does a QIF file need my account number?

No. A QIF file needs only the opening balance and the account type from the Statement details sheet. It names no account, so you pick the account in your software when you import.

Can I convert a credit card statement to QIF?

Yes. Set Account type to Credit card and the file is written as a card statement, starting with !Type:CCard. Import it into a credit card account so purchases and payments keep their signs.

Does the QIF file cost extra pages?

No. Pages are counted when the statement is converted. QIF, OFX, CSV, Excel and the other downloads from the review workbook use no pages.

Other formats from the same workbook

The same conversion gives OFX for Xero and MYOB, QBO for QuickBooks, CSV and an Excel workbook. QBO vs OFX vs QFX vs QIF explains how the four bank file formats differ.

Format compatibility only. We are not affiliated with MYOB, Quicken or any other software company named here.

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