QuickBooks Online

QBO Online can ingest a clean PDF. Use this when you have to stand behind the file.

QuickBooks Online (US) already accepts PDF and image statement uploads. PennyClose is for catch-up stacks, cards, combined PDFs, scans, a Desktop-quality .qbo or CSV, or a close that must match the printed statement.

Intuit caps a .qbo upload at 1,000 transactions and 350 KB, so long batches go one month at a time. Stable transaction IDs stop duplicates on a re-upload.

up to 20 files · 20 MB each · PDF only

See a sample convert — synthetic file, real engine.

Preview is free. The first download is free after sign-in. After that, Solo is $29/month, cancel anytime.

up to 20 files · 20 MB each · PDF only · bank or credit-card statements

    kept in memory only
    sample-checking-statement.pdf · synthetic, made for this demo · Meridian Commerce Bank · ····3303
    ✓ Ties. Opening 15,800.00 + credits 25,557.89 − debits 32,811.32 = 8,546.57, the printed closing balance.
    DateDescriptionAmount Balance
    2026-05-01STRIPE TRANSFER2,919.2918,719.29
    2026-05-01ACH DEBIT PROPERTY MGMT RENT−4,200.0014,519.29
    2026-05-03POS PURCHASE HOME DEPOT PRO−1,269.5813,249.71
    2026-05-04ZELLE CREDIT3,030.1216,279.83
    2026-05-07SQUARE INC DEPOSIT3,647.5719,927.40
    2026-05-07POS PURCHASE SHELL OIL−1,705.5118,221.89
    2026-05-08POS PURCHASE US FOODS−178.1318,043.76
    2026-05-11MERCHANT BANKCD DEPOSIT3,994.8622,038.62
    2026-05-13REMOTE DEPOSIT CAPTURE2,790.9624,829.58
    2026-05-13POS PURCHASE VERIZON WIRELESS−1,665.9823,163.60
    2026-05-14COUNTER DEPOSIT2,237.7925,401.39
    2026-05-15POS PURCHASE HOME DEPOT PRO−733.8924,667.50
    2026-05-15POS PURCHASE US FOODS−1,225.2123,442.29
    2026-05-15ADP WAGE PAY 00174−6,800.0016,642.29
    2026-05-19COUNTER DEPOSIT3,622.6920,264.98
    2026-05-21POS PURCHASE GRAINGER−1,475.9618,789.02
    2026-05-23POS PURCHASE SYSCO FOODS−989.6117,799.41
    2026-05-23POS PURCHASE GRAINGER−1,221.9716,577.44
    2026-05-29REMOTE DEPOSIT CAPTURE3,314.6119,892.05
    2026-05-29ADP WAGE PAY 00175−6,800.0013,092.05
    2026-05-31POS PURCHASE STATE FARM INS−2,169.8410,922.21
    2026-05-31POS PURCHASE CINTAS CORP−2,375.648,546.57

    22 rows · 2026-05-01 → 2026-05-31 · the running balance chains on every one

    Review notes (2)

    Synthetic sampleThis statement was made for the demo, not by a bank — so the engine's file-quality note below is expected, and correct.
    Possible transfers1 row looks like a movement between accounts, not income or expense.
    File qualityPDF produced by ReportLab, not a bank statement system.
    Open the sample convert →
    The import steps
    1. Convert the statement below and download the .qbo file (or the CSV).
    2. In QuickBooks Online: Transactions → Bank transactions → Upload from file (if the account isn't connected to a feed, use Upload transactions manually).
    3. Pick the account. A .qbo maps itself; for CSV map Date / Description / Amount (one amount column), then confirm.

    When the native path is enough

    QuickBooks Online, US edition, can upload a PDF or image statement and read the transactions itself, for free. One account, a clean digital PDF, the current month, a US company file: use it. That is not the case this page is for.

    When to convert here instead

    A close that must match the paper

    You see whether opening + credits − debits equals the printed closing before anything is committed to the books, not after.

    Catch-up stacks

    A year of months, each proven, chained, and imported one file at a time. Catch-up books →

    Cards, combined PDFs, scans

    Credit-card statements, several accounts under one cover page, and image-only PDFs read with OCR on our server. Every one has to tie.

    Editions outside the US

    UK, Canada and Australia editions take .qbo, .qfx, .ofx and CSV uploads. The same file works there.

    A Desktop-quality file

    The .qbo carries your bank's institution ID and stable transaction IDs. A re-upload does not create duplicates.

    A CSV you map yourself

    Prefer to see the columns? Download the CSV and map Date, Description and Amount in the upload screen.

    Intuit's upload limits

    1,000 transactions and 350 KB per file. For a long batch, upload the months one file at a time. Stable transaction IDs mean an accidental second upload is deduplicated rather than doubled. How the .qbo is built →

    What the review catches

    Notes for a reviewer, not a verdict. Each one points at the rows behind it.

    Balance does not tie

    Opening + credits − debits must equal the printed closing. If it does not, there is no download and no charge.

    Months that do not chain

    February's opening has to be January's closing. Gaps and overlaps get a note.

    Duplicate and transfer rows

    The same date, amount and description twice, or a row that moves money between your own accounts. Flagged before it is booked as income or expense.

    Nothing is stored on our side. The PDF is parsed in memory and discarded when the response is sent. Security notes →

    A statement that does not tie is not billed. Any first charge is refundable within 14 days. Billing and refunds →

    Convert another statement →

    Swipe sideways to see every column.

    This grid exists only in this tab. Click a cell to edit date, description or amount; ± flips debit/credit. The proof re-runs on every edit.

    Convert another statement →

    Download .qbo

    QuickBooks checks these before accepting the file.

      Not listed? Leave it blank — the file uses a documented generic institution ID and imports under a generic label.

      Download the Xero bank import (.csv)

      Xero's own template columns: Date, Amount (money in positive, money out negative), Payee, Description, Reference, Check Number. The date has to match your Xero organisation's region.

      How to import
      Accounting → Bank accounts → Manage account → Import a statement, choose this file, and confirm the column mapping Xero proposes. Xero also imports the OFX file directly.

      This statement does not tie

      Sign in to download

      No password. We email you a one-time link — new here? The same link creates your account. Your first download is free so you can test the import into QuickBooks.

      Pick a plan

      You only pay for downloads of statements you've already seen tie. A statement that doesn't tie never counts against your pages, and any first charge is refundable within 14 days, no questions — billing & refunds.