Why choose OFX over QBO?

Because it works without an Intuit Bank ID. If QuickBooks is rejecting your .qbo with OL-301, OFX carries exactly the same transactions and sidesteps the check entirely.

Is this OFX 1 or OFX 2?

OFX 1.0.2 — SGML, with the plain-text header block. It is what the widest range of software reads.

What happens to non-English descriptions?

The OFX body is Windows-1252. Smart quotes, dashes and currency symbols are transliterated; characters with no equivalent are dropped rather than turned into garbage. The full original text is preserved in the CSV and Excel exports, which are UTF-8.

PDF bank statement to OFX

Plain OFX, the open format QBO and QFX are built on. It needs no Intuit bank ID, which makes it the practical choice when you cannot get one.

Users of accounting software that accepts OFX — most of it does.

Drop a PDF bank statement here

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Only pages with transactions count against this.

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Example statement

Habib Bank Limited · 0441-79002251-03 · 2026-04-01 to 2026-04-30

BalancedBalanced — every row, page and total agrees.

Row-by-row running balance
Page subtotals
Opening + movement = closing
Printed credit / debit totals
Printed credit / debit totals
Transaction count

Arithmetic only. Verifies that amounts, balances and totals agree. Does not verify descriptions or dates, and cannot detect two errors that cancel out.

Extracted transactions for account 0441-79002251-03
Date	Description	Debit	Credit	Balance
Apr 02, 2026	IBFT TRANSFER FROM ZAINAB TRADERS / INV-4471		PKR 185,000.00	PKR 1,247,350.00
Apr 03, 2026	POS PURCHASE 4157 IMTIAZ SUPER MARKET KARACHI	PKR 12,480.00		PKR 1,234,870.00
Apr 05, 2026	UTILITY PAYMENT K-ELECTRIC ACCOUNT 04412297	PKR 38,640.00		PKR 1,196,230.00
Apr 08, 2026	CHEQUE 000241 CLEARED — AL-NOOR PACKAGING	PKR 220,000.00		PKR 976,230.00
Apr 11, 2026	IBFT TRANSFER FROM MEHRAN ENTERPRISES / PO-8890		PKR 342,500.00	PKR 1,318,730.00
Apr 14, 2026	SALARY DISBURSEMENT APRIL 2026 — 11 EMPLOYEES	PKR 685,000.00		PKR 633,730.00
Apr 17, 2026	BANK CHARGES — ONLINE TRANSFER FEE	PKR 1,150.00		PKR 632,580.00
Apr 21, 2026	IBFT TRANSFER FROM SIDDIQUI BROTHERS / INV-4488		PKR 128,750.00	PKR 761,330.00
Apr 24, 2026	POS PURCHASE 9921 TOTAL PARCO FUEL STATION	PKR 18,900.00		PKR 742,430.00
Apr 28, 2026	PROFIT CREDITED — SAVINGS ACCOUNT		PKR 4,318.00	PKR 746,748.00
Closing balance10 transactions				PKR 746,748.00

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Questions

Why choose OFX over QBO?: Because it works without an Intuit Bank ID. If QuickBooks is rejecting your .qbo with OL-301, OFX carries exactly the same transactions and sidesteps the check entirely.
Is this OFX 1 or OFX 2?: OFX 1.0.2 — SGML, with the plain-text header block. It is what the widest range of software reads.
What happens to non-English descriptions?: The OFX body is Windows-1252. Smart quotes, dashes and currency symbols are transliterated; characters with no equivalent are dropped rather than turned into garbage. The full original text is preserved in the CSV and Excel exports, which are UTF-8.

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PDF bank statement to OFX

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