Move from Quicken to Xero the clean way: export your accounts to QIF, convert the QIF to an OFX file Xero imports natively, then reconcile the transactions.
No account needed for your first conversions. We never store your bank login.
To move Quicken transactions into Xero, export each Quicken account to a QIF file, convert that QIF to an OFX file, and import the OFX into the matching Xero bank account. Xero reads OFX natively and maps the fields on its own, which avoids the date and column errors QIF imports are known for. Upload your QIF to the converter above, download the OFX (or a .qbo, QFX, or CSV copy), and Xero brings the transactions in ready to reconcile.
Last updated July 2026. Xero does technically accept a QIF file, so this page is honest about that up front. The reason to convert first is reliability: Quicken writes QIF with no fixed date format, so Xero often reads 03/04/2026 as the wrong month or rejects the file outright. Converting the QIF to OFX hands Xero a file it maps automatically, the format Xero itself recommends, so the import lands clean the first time.
| File format | Does Xero read it? | Best for | Notes |
|---|---|---|---|
| OFX | Yes, recommended | The cleanest Quicken to Xero import | Xero maps date, payee, and amount automatically with no column matching |
| QFX | Yes | OFX with a bank ID wrapper | Imports like OFX; either works from this converter |
| QIF | Yes, but fragile | Only when nothing else is available | No fixed date format, so months flip or the file is rejected |
| CSV | Yes | Manual review before import | You must match columns and the US date order yourself |
| .QDF (Quicken data file) | No | Nothing | Only Quicken opens its own database; export a transaction file first |
Built for the QIF files Quicken and finance tools actually export, checked before it exports.
The converter adds up the transactions it parsed and matches that to your file total before you export, so nothing is silently dropped.
Valid OFX 1.02 with QuickBooks Web Connect headers. Online and Desktop import it as a standard bank feed.
Date, payee, and amount are read straight from the QIF tags, so there is nothing to map and no layout to match.
Bulk upload for catch-up and cleanup work. Each file gets its own reconciliation check and its own exports.
Mixed date formats, apostrophe years, currency symbols, and split lines in a QIF are cleaned up and summed before the .qbo is built.
One conversion, three files: the .qbo for QuickBooks, an XLSX to review, and a CSV for everything else.
Three steps. No column-mapping wizard.
Drag in a .qif export from Quicken, your bank, or another finance tool. Any QIF type works.
Every transaction is parsed and checked against your file total. You see the rows before exporting.
Download the .qbo and import it as a Web Connect bank feed. Excel and CSV are in the same download.
The specifics that decide whether the import is clean. If your case is not here, message us in chat.
Yes, but not the Quicken data file itself. Xero cannot open a .QDF, so you export the transactions from Quicken to a portable file and import that. The most reliable path is Quicken to QIF, QIF to OFX, then OFX into Xero. Only bank, credit card, and cash transactions carry across; budgets, reports, and investment cost basis do not.
Xero does accept QIF for manual bank statement imports, alongside OFX, QFX, and CSV. The catch is that QIF has no standard date format, so a file written as month/day and a file written as day/month look identical to Xero. That guesswork is why QIF imports flip dates or fail, and why converting the QIF to OFX first is the safer move.
OFX is the format Xero reads without any manual cleanup, so the import maps date, description, and amount on its own. A QIF leaves those fields ambiguous, which is where most failed Quicken to Xero imports come from. Running the QIF through the QIF to OFX converter stamps an unambiguous OFX date and structure, so Xero accepts the file the first time instead of rejecting it or booking March entries into April.
In Quicken Classic for Windows, open the account, choose File, then File Export, then QIF File, pick the account and a date range, tick transactions, and save. Quicken exports one account per QIF, so a household or business with checking, savings, and a card produces three files. Quicken for Mac has not exported QIF since 2007; on a Mac, export a CSV register instead and use the CSV route.
Upload the QIF to the converter at the top of this page, confirm the parsed dates, payees, and amounts look right, and download the OFX file. The tool reconciles the converted total against your source file so nothing is dropped or duplicated. You can also download a .qbo, QFX, or CSV copy of the same data if you later need it for QuickBooks or a spreadsheet.
In Xero, go to Accounting, then Bank Accounts, select the account that matches the Quicken account, and click Import a Statement. Upload the OFX file, review the transactions Xero reads in, and import. Xero lists them under the account ready to reconcile against your chart of accounts. Repeat once per account, since Quicken and this converter both work one account at a time.
Your transaction history transfers: dates, payees, amounts, memos, and cleared status for bank, credit card, and cash accounts. What does not carry across is anything no transaction file holds, so budgets, saved reports, attachments, category-to-account mapping, and investment cost basis stay behind. That is the shape of every finance migration, not a limit of this converter, so plan to rebuild your chart of accounts and categories inside Xero.
Not cleanly. Xero is built for business bookkeeping, not brokerage tracking, so it has no place to store share lots, cost basis, or price history the way Quicken does. You can bring investment cash movements in as ordinary transactions, but the buy and sell detail and gain calculations will not survive. If tracking investments is the priority, Xero is probably the wrong destination for that part of your data.
Yes. Xero's Import a Statement option exists precisely for accounts with no direct feed, or for historical transactions that predate a feed you set up later. Upload an OFX file and Xero treats those lines exactly like fed transactions, ready to reconcile. This is how most people bring years of old Quicken history into a fresh Xero organization before switching to live feeds going forward.
Dates and splits, in that order. A raw QIF never declares whether 03/04/2026 is March 4 or April 3, so Xero guesses and sometimes guesses wrong, which converting to OFX fixes. Split transactions are the other snag: Quicken stores one payment across several categories, and Xero imports it as a single line you re-split during reconciliation. Import one account at a time so a stray file cannot double up entries.
Upload a QIF export, get a QuickBooks-ready .qbo back in seconds. No card to try it.
Both are cloud accounting platforms aimed at businesses, and the file route out of Quicken is identical for each. Xero tends to suit service businesses and bookkeepers who want unlimited users; QuickBooks Online has deeper US payroll and tax integrations. If you are still weighing the two, the Quicken vs QuickBooks comparison lays out the tradeoffs before you commit either way.
Related pages: QIF to OFX converter, Convert Quicken to QuickBooks, Quicken file converter hub, Quicken vs QuickBooks, QIF to QBO converter, and Quicken alternatives.
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