PDF statement to QIF
QIF, the Quicken Interchange Format, is a plain-text format older than OFX that many personal-finance and small-business programs still import. It is a good choice when a program lists QIF but not OFX, or when you want a file you can open and read as plain text.
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In the QIF file
- A Bank or CCard header, matching the account type
- The date, signed amount and payee of every transaction
- The full description as a memo when it is longer than the payee
- The cheque or reference number, when the statement prints one
- Dates in US style or as DD/MM/YYYY, whichever your program expects
Choosing the date style
QIF has no fixed date format, so each program guesses. US-style dates are written as month, day and year with an apostrophe before the year, the form Quicken used. If your program reads days first, choose DD/MM/YYYY instead; GnuCash asks which order to use while importing.
What QIF leaves out
QIF has no transaction IDs and no closing balance, so a program cannot tell whether it has seen a row before. Import each statement once, or use OFX, which carries IDs, when the program supports both.
Questions
Which programs import QIF?
GnuCash, Moneydance, Zoho Books and many other personal-finance and bookkeeping programs read QIF. Recent versions of Quicken limit QIF imports, so for Quicken itself the QFX download is the better choice.
Why does the QIF have no balance?
The format only lists transactions. The converter still checks every row against the statement’s running balance before you download, so the transactions in the file are the ones that add up.
Can I convert a credit card statement to QIF?
Yes. A card statement is written with the CCard header, and charges come out as negative amounts and payments as positive, which is how programs expect a card account to look.
Why are some characters replaced?
QIF files are read as plain ASCII by most programs, so accented letters lose their accents and the rupee sign is written as INR. Amounts, dates and references are never changed.