Import OFX and QFX Bank Files into PennyBolt

PennyBolt reads OFX and QFX files downloaded straight from your bank — no aggregator, no bank-feed subscription, no credentials handed to a third party.

Last updated: August 26, 2026

Switching to PennyBolt › Importing › Bank downloads (OFX / QFX)

Yes — PennyBolt imports OFX and QFX files, the download your bank already offers as “Download transactions” or “Export to Quicken.” You log in to your own bank, save the file, and drag it in. No aggregator sits in the middle, there’s no bank-feed subscription to keep paying, and your bank credentials never leave your bank’s website.

OFX and QFX are the same format under two names — OFX is the open standard; QFX is Quicken’s branded version. Most banks offer one or both.

What transfers and what does not

What’s in the file	Comes across?	Notes
Transactions (date, amount, description)	Yes	Every transaction the file contains.
A suggested payee	Yes, as a proposal	Shown in the preview for you to accept or change.
A suggested category	Yes, as a proposal	Same — nothing is categorized behind your back.
The account it belongs to	Usually matched for you	Matched on the account number in the file. If there’s no match, you pick the destination account or create one.
Transactions you already imported	Detected and skipped	Shown in the preview labeled as duplicates so you can see what was caught. See Re-importing safely .
History the bank left out	No	Downloads are commonly limited to the last 30, 60, or 90 days. Download another date range and import again — duplicates are skipped.

flowchart LR
  A[Log in to your bank] --> B[Find the download page]
  B --> C[Choose OFX or QFX]
  C --> D[Drag file into PennyBolt]
  D --> E[Review the preview]
  E --> F[Commit]

The OFX/QFX import path from bank login to committed transactions.

Download from your bank

Every bank puts the download link in a different spot. The most common locations:

Chase: Log in → choose an account → Download account activity (bottom of the transactions page) → select a date range → Download → choose Quicken (QFX).

Bank of America: Log in → choose an account → Download (top-right of transactions) → select Quicken (OFX) → choose a date range → Download transactions.

Wells Fargo: Log in → choose an account → Download Account Activity (below the balance) → select date range → Download → choose Quicken.

Capital One: Log in → choose an account → Download transactions (above the transaction list) → choose Quicken / Money (OFX) → Export.

If your bank isn’t listed here, look for “Download,” “Export,” or “Quicken” near your transaction history. Most banks that support OFX use one of these labels.

Note: Screenshots for these download flows are coming in a future update. The steps above reflect the current bank interfaces as of early 2026.

Import into PennyBolt

Drag the downloaded .ofx or .qfx file onto the PennyBolt window, or use File → Import. PennyBolt opens an import preview.

The preview shows every transaction in the file with a proposed payee and category. Nothing is saved yet.

Read the preview

Check three things:

Account match. PennyBolt tries to match the file to an existing account based on the account number in the file. If it finds a match, it shows the account name. If it doesn’t, it asks you to choose the destination account — or create a new one.
Transaction count. Confirm the number of transactions in the preview matches what your bank’s website showed for the same date range.
No obvious duplicates. If you’ve already imported some of these transactions, PennyBolt marks them as duplicates in the preview (see Re-importing safely ). Duplicates are skipped automatically; they appear in the preview only so you can see what was detected.

Click Import to commit. The preview closes and the transactions appear in the register.

What can go wrong

The account match is wrong. PennyBolt matched the file to the wrong account, or created a new account when it shouldn’t have. Before committing, use the account selector in the preview header to choose the correct destination.

Transactions are missing. OFX files often cover only 30, 60, or 90 days depending on how your bank generated them. Download a different date range and import again. PennyBolt’s duplicate detection will skip anything it already has.

The file won’t open. A handful of banks produce malformed OFX. If PennyBolt reports an error reading the file, try downloading in a different format — some banks also offer CSV. If OFX is the only option, contact support .

Don’t have PennyBolt yet?

Nothing here needs a connection to your bank, which is the point: the file goes from your bank’s website to your computer, and PennyBolt reads it there. PennyBolt isn’t available to download yet — see what it costs and get the download link on day one . It’s $79 once, with a 60-day trial.