The short answer
The Capital One file has 7 columns, dates written as YYYY-MM-DD and separate debit and credit columns. QuickBooks Online wants a CSV with the columns Date,Description,Amount. So the date is rewritten as DD/MM/YYYY, the amount is written as one signed number, and the text columns are moved as in the table below.
Paid pack. The Capital One profile is one of the 35 profiles unlocked by a licence (9 US dollars, paid once; see the terms). Without a licence you can still convert this file with the free manual column mapper, using the column table on this page, within the free limit of 25 rows per file.
The converter runs in your browser. Your file is not uploaded.
What the Capital One CSV looks like
- Country: United States.
- Account type: credit card.
- Header row: yes, one row before the first transaction.
- Columns: 7, separated by commas.
- Date format: YYYY-MM-DD, for example 2024-03-04 (the source writes it as yyyy-mmm-dd (as written in the source comment)).
- Amounts: separate debit and credit columns. Evidence for the direction: the source says it in words.
- Header text: the source prints it, so the columns below carry their real names.
Note kept with this layout in the profile data: The source comment writes the date as yyyy-mmm-dd and sets no explicit date-format rule; year-month-day order is certain, the month may be numeric or abbreviated, so the converter should accept both. Header names are taken from the comment and from the csv2ofx mapping ("Card No.", "Posted Date", "Debit", "Credit", "Description").
What QuickBooks Online accepts
- File type: CSV.
- Header row: yes, with the column names of one of the two layouts.
- 3-column layout: Date, Description, Amount. The vendor's example row: 1/1/2018,Example of a payment,-100.00
- 4-column layout: Date, Description, Credit, Debit. The vendor's example row: 1/1/2018,Example of a deposit,200.00,
- Required columns: Date, Description, Amount.
- Amounts: 3-column layout: one signed Amount column, a payment is negative (the vendor's example payment is -100.00). 4-column layout: separate Credit and Debit columns.
- Dates: one consistent format; the global edition of the page recommends dd/mm/yyyy, and its example rows use 1/1/2018.
| QuickBooks Online column | Required by QuickBooks Online | Filled from the Capital One file |
|---|---|---|
| Date | required | column 1 "Transaction Date" |
| Description | required | column 4 "Description" |
| Amount | required | column 7 "Credit" (positive) minus column 6 "Debit" (negative) |
From the vendor's help page: "QuickBooks accepts CSVs with either the 3-column or 4-column format": Date, Description, Amount; or Date, Description, Credit, Debit.
Column-by-column mapping
Every column of the Capital One file, left to right, and where it ends up in the QuickBooks Online file.
| Column | Header text | What it holds | Where it goes in the QuickBooks Online file |
|---|---|---|---|
| 1 | Transaction Date | Transaction date | Date, rewritten as DD/MM/YYYY |
| 2 | Posted Date | Posting date | Not copied |
| 3 | Card No. | Account or card identifier | Not copied |
| 4 | Description | Description | Description |
| 5 | Category | Category | Not copied |
| 6 | Debit | Money out (debit) | Amount, as a negative number |
| 7 | Credit | Money in (credit) | Amount, as a positive number |
Pitfalls for Capital One to QuickBooks Online
Dates
- The date must be reordered. The bank file is written year first, then month, then day (YYYY-MM-DD, for example 2024-03-04). The QuickBooks Online file is written day first, then month, then year (DD/MM/YYYY, for example 04/03/2024).
- QuickBooks Online on dates: one consistent format; the global edition of the page recommends dd/mm/yyyy, and its example rows use 1/1/2018. The converter writes dd/mm/yyyy as the fetched page recommends and offers mm/dd/yyyy as an option, because QuickBooks reads dates according to the company's region. The US edition of the page could not be fetched on the checked date.
Amounts and their direction
- Debit and credit columns must be merged into one signed Amount: credit minus debit. A debit of 4.50 becomes -4.50 and a credit of 2500.00 stays 2500.00.
- QuickBooks Online's own rule: 3-column layout: one signed Amount column, a payment is negative (the vendor's example payment is -100.00). 4-column layout: separate Credit and Debit columns.
- How sure the direction is: the source says it in words.
Other QuickBooks Online import rules
- Remove any zeroes (0) from the file and leave those cells blank.
- Remove the word 'amount' if it appears in the Credit or Debit column header.
- Remove the day of the week from dates (for example 20/11/2018 TUE).
- Correct any transactions that display numbers in the Description column.
- Mac users must save the file as a Windows CSV file.
- CSV files for credit card accounts may display transactions in reverse order.
Before and after: an invented example
Invented sample data. These four rows were made up for this page. They are not from a real Capital One export and hold no real account, name or balance.
The column headings are the header text the source prints.
| 1: Transaction Date | 2: Posted Date | 3: Card No. | 4: Description | 5: Category | 6: Debit | 7: Credit |
|---|---|---|---|---|---|---|
| 2024-03-04 | 2024-03-05 | 0000 | COFFEE CORNER MAIN ST | Eating out | 4.50 | |
| 2024-03-05 | 2024-03-06 | 0000 | PAYROLL EXAMPLE CO | Income | 2500.00 | |
| 2024-03-07 | 2024-03-08 | 0000 | RENT MARCH | Housing | 1234.56 | |
| 2024-03-11 | 2024-03-12 | 0000 | REFUND EXAMPLE SHOP | Shopping | 15.25 |
| Date | Description | Amount |
|---|---|---|
| 04/03/2024 | COFFEE CORNER MAIN ST | -4.50 |
| 05/03/2024 | PAYROLL EXAMPLE CO | 2500.00 |
| 07/03/2024 | RENT MARCH | -1234.56 |
| 11/03/2024 | REFUND EXAMPLE SHOP | 15.25 |
Do it by hand in a spreadsheet, free
These steps need no tool from this site. The cell references follow the column positions of the profile above; if your spreadsheet uses semicolons between formula arguments, replace the commas.
- Open the Capital One CSV in a spreadsheet program through its import dialog. Set the date column (column 1 "Transaction Date") to Text so the program does not reinterpret it, and leave the amount columns as numbers.
- Row 1 is the header and the transactions start in row 2.
- Date: rewrite column A from YYYY-MM-DD to DD/MM/YYYY (2024-03-04 becomes 04/03/2024). In a new column, for the first transaction:
=MID(A2,9,2)&"/"&MID(A2,6,2)&"/"&MID(A2,1,4)This formula reads the date by character position, so it only works while the dates are text and every date has a two-digit day and month. Fill it down. - Amounts: merge the two columns into one signed Amount, credit minus debit:
=ABS(G2)-ABS(F2)An empty cell counts as zero. Money out comes out negative. - Text columns: fill Description (from column 4 "Description"). Where several bank columns feed one column, join them with a separator such as " - ".
- Apply QuickBooks Online's own rules from its help page: Remove any zeroes (0) from the file and leave those cells blank. Remove the word 'amount' if it appears in the Credit or Debit column header. Remove the day of the week from dates (for example 20/11/2018 TUE). Correct any transactions that display numbers in the Description column. Mac users must save the file as a Windows CSV file. CSV files for credit card accounts may display transactions in reverse order.
- Keep only the new columns, put the header row Date,Description,Amount on top, save the sheet as a comma-separated CSV, and compare the dates, the direction of the amounts and the number of rows with your statement in QuickBooks Online's import preview.
Or use the converter
Load the file, choose the Capital One profile in the bank list and the target QuickBooks Online, read the preview, then download. The conversion runs locally in your browser: the file is not uploaded, and only the licence key is sent for unlocking.
Paid pack. The Capital One profile is one of the 35 profiles unlocked by a licence (9 US dollars, paid once; see the terms). Without a licence you can still convert this file with the free manual column mapper, using the column table on this page, within the free limit of 25 rows per file.
Where this layout comes from
No bank supplied or approved this layout. It was copied on 5 October 2026 from a public open-source importer file kept by volunteers: simonmichael/hledger, file examples/csv/banking/capital-one.csv.rules
Also read: reubano/csv2ofx, file csv2ofx/mappings/capitalone.py
The lines used from the source: # this is the format that capital one returns if you export data as .csv as of July 9 2022 ; # columns are Transaction Date in yyyy-mmm-dd, Posted Date, Card no., Description, Category, Debit, Credit ; fields date, posting-date, _, description, _, amount-out, amount-in
The QuickBooks Online rules come from the vendor's own help pages: quickbooks.intuit.com/learn-support/en-global/help-article/bank-transactions/format-csv-files-excel-bank-transactions-quickbooks/L4BjLWckq_ROW_en (named as text, not linked). The official page was fetched and read on the checked date.
Bank formats change. Banks alter their CSV exports without notice and vendors change their import rules, so this mapping can be out of date. If the preview looks wrong, use the manual column mapper.