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Money & accounting

Bank CSV to Wave converter

Wave calls CSV uploads the more complex option and recommends OFX instead. Turn your bank’s CSV or Excel export into an OFX file Wave reads directly.

Choose your bank export

Nothing uploaded · Works offline · Check it yourself

How it works: a bank CSV or Excel file is converted in your browser into a standard OFX file that Wave can import.
How it works: an OFX file labels every field for Wave.

Why upload OFX to Wave instead of CSV

Wave accepts statements as .ofx, .qbo, .qfx and .aso files, and allows CSV only as a fallback that it describes as more complex (Wave: Upload bank and credit card statements, checked October 2026). With a CSV you confirm the date, amount and description columns yourself, and extra columns or balance rows can stop the upload. An OFX file labels every field, so there is nothing to map.

QBO works too: if you prefer, choose QuickBooks QBO as the output in step 3. Both carry the same transactions.

How to upload the file to Wave

Wave’s steps, for an account that already exists in Wave:

  1. In the left menu, select Accounting → Transactions.
  2. At the top right, click More and select Upload transactions.
  3. Click Choose File, select the .ofx file, and pick the Payment account.
  4. Click Upload, confirm the details Wave shows, and finish with Upload my statement.

The transactions appear on the Transactions page after a short processing delay.

Before you upload

  • Currency: Wave needs the statement to be in the same currency as the account. Set the currency in step 3 to match (USD or CAD).
  • Credit cards: choose Credit card as the account type in step 3, and check in the preview that purchases are money out.
  • New accounts: if the account doesn’t exist in Wave yet, add the payment account first, then upload.
  • US and Canadian dates are read month-first. Check a date after the 12th in the preview before you download.

How your data stays private

  • Your browser reads the file. The converter is JavaScript that runs on this page and opens your file on your own device.
  • Nothing is sent to a server. Your file and its contents are never uploaded, to us or to anyone else. The page also loads Google Analytics and Google ads; useme4’s code never passes your file to them.
  • It works offline. Once this page has loaded, you can disconnect from the internet and the converter keeps working.

You can check this yourself in about a minute: how to verify that your file never leaves your browser.

What this converter can’t do

  • PDF statements. This converter reads CSV, Excel and OFX/QFX/QBO files. For a PDF, use PDF bank statement to Excel.
  • Old .xls files. Excel 97–2003 workbooks aren’t supported. Open the file in Excel or Google Sheets and save it as .xlsx or CSV first.
  • Files over 25 MB. Download a shorter date range from your bank instead.
  • Dates that could go either way. If every date in a file could be day-first or month-first (like 03/04/2026), the converter follows your region and warns you. Check the preview.
  • Checking your bank’s file. It can only convert what the bank exported. Compare the transaction count and totals with your statement before you import.

Frequently asked questions

Which file should I upload to Wave, CSV or OFX?

Wave recommends OFX, QBO, QFX or ASO and treats CSV as the more complex fallback. This converter turns a CSV into OFX (or QBO), so you can use the recommended route.

Can I upload a QBO file to Wave?

Yes. Wave lists .qbo among its accepted formats. Choose QuickBooks QBO as the output in step 3 if you prefer it to OFX.

Why does Wave reject my statement?

A common reason is a currency mismatch: the statement must be in the same currency as the Wave account. Set the currency in step 3 before you download.

Does it work for Canadian banks?

Yes. Choose Canada as the bank’s region and CAD as the currency, and check the dates in the preview.

Is my bank file uploaded?

No. The conversion happens in your browser and the file never leaves your device.