Bank Statement PDF to OFX — Open Financial Exchange
The open format the others are built on. GnuCash, Microsoft Money, Xero and most online banking tools import OFX directly, and it carries more structure than CSV — transaction types, identifiers and a ledger balance.
Read by GnuCash, Microsoft Money, Xero and most banking software.
Open and widely read
No vendor tag, no proprietary extension. QFX and QBO are this format with an Intuit identifier added.
Structure CSV cannot carry
Transaction type, unique identifier and ledger balance travel with the file, so the receiving program can deduplicate properly.
Escaped correctly
A narration containing an ampersand or angle bracket is escaped rather than breaking the file halfway through.