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Wise CSV to OFX

In short: A Wise statement CSV covers one currency balance, newest first, with day-first dates, signed amounts, a running balance, and fees that can appear as their own rows. OFX (Open Financial Exchange) is the standard bank statement file. Xero, GnuCash, Moneydance and many other programs import it without asking you to map columns. Drop the file below. It is converted on your device and never uploaded.

Convert your file

Wise to OFX

statement_<number>_<currency>_<dates>.csv

Your file stays on this device

It is read and converted by this page, inside your browser. Nothing from the file is uploaded, and the converter keeps working offline once the page has loaded.

One email when it ships. The address is used for nothing else. Details.

1. Export the file from Wise

  1. In Wise open the currency balance you want.
  2. Choose Statements (or Statements and reports) and pick the dates.
  3. Choose CSV as the format and download.
  4. Upload the file here. Each currency balance is a separate file.

Why a raw Wise export fails in Xero, Wave, GnuCash, Moneydance, MS Money and others

Wise offers statements in several formats depending on your account. Where you only have the CSV, it has to be rebuilt as a bank statement file, with the running balance as the check.

Programs that read OFX do not ask you to map columns, which avoids the date and sign mistakes a hand-mapped CSV invites. Payment apps rarely offer OFX themselves, so the file has to be built from their CSV.

What is unusual about the Wise file

  • One file per currency balance, newest first, dates written DD-MM-YYYY.
  • Amount is signed and is what moved the balance; the Running Balance column is used to check the file.
  • A fee can be its own row ("Charges for: TRANSFER-...") while the main row also shows it under Total fees; the fee is counted once.
  • Currency conversions between your own Wise balances appear in both currency files.
  • Several layouts exist (with or without Date Time and Transaction Type columns); columns are matched by name.
  • Journal entries are not offered: the statement does not say which money coming in is sales and which is your own money, a loan or a refund.

What Xero, Wave, GnuCash, Moneydance, MS Money and others requires

  • Plain OFX 1.0.2 SGML with no Intuit extensions.
  • One account and one currency per file.
  • Stable transaction ids: the same row in two overlapping exports gets the same id.

2. Before and after

Before: the Wise statement CSV as downloaded

"TransferWise ID",Date,Amount,Currency,Description,"Payment Reference","Running Balance","Exchange From","Exchange To","Exchange Rate","Payer Name"...
TRANSFER-102,20-08-2024,0.00,USD,Received money from Test Payer,,1996.17,,,,Test Payer,,,,,,,,0.00
BALANCE-300,15-08-2024,-100.00,USD,Converted 100.00 USD to 92.00 EUR,,1996.17,USD,EUR,0.92000,,,,,,,,,0.00
CARD-201,12-08-2024,10.00,USD,"Card transaction of 10.00 USD refunded by Coffee, Inc",,2096.17,,,,,,,"Coffee, Inc",4321,Sam Placeholder,,,0.00
CARD-200,10-08-2024,-45.10,USD,"Card transaction of 45.10 USD issued by Coffee, Inc",,2086.17,,,,,,,"Coffee, Inc",4321,Sam Placeholder,,,0.00
TRANSFER-101,05-08-2024,-11.35,USD,Wise Charges for: TRANSFER-101,,2131.27,,,,,Wise,,,,,,,0.00
TRANSFER-101,05-08-2024,-357.38,USD,Sent money to John Doe,Rent,2142.62,,,,,John Doe,LT21 1111 2222 3333 4444,,,,,,11.35
TRANSFER-100,01-08-2024,1500.00,USD,Received money from Acme Ltd,Invoice 42,2500.00,,,,Acme Ltd,,,,,,,,0.00

After: what Xero, Wave, GnuCash, Moneydance, MS Money and others receives

...
<STMTTRN>
<TRNTYPE>CREDIT</TRNTYPE>
<DTPOSTED>20240801120000</DTPOSTED>
<TRNAMT>1500.00</TRNAMT>
<FITID>4D8EF9E755923B22</FITID>
<NAME>Acme Ltd</NAME>
<MEMO>Received money from Acme Ltd - Invoice 42</MEMO>
</STMTTRN>
<STMTTRN>
<TRNTYPE>DEBIT</TRNTYPE>
<DTPOSTED>20240805120000</DTPOSTED>
<TRNAMT>-357.38</TRNAMT>
<FITID>EB1F59382155382B</FITID>
<NAME>John Doe</NAME>
<MEMO>Sent money to John Doe - Rent</MEMO>
</STMTTRN>
...

Synthetic sample data that follows the real export layout, not a real account. The "after" output was produced from it by the same converter this page runs.

3. Import the converted file into Xero, Wave, GnuCash, Moneydance, MS Money and others

  1. In your accounting software open the bank account and choose Import statement (or File > Import > OFX).
  2. Choose this .ofx file.
  3. Review and confirm the transactions.

Questions

Are Wise fees counted twice?
No. A Wise statement can show a fee as its own row and again in the Total fees column of the transfer it belongs to. The converter uses the amount on each row as written and never subtracts Total fees, then checks the result against the Running Balance column.
Which programs accept OFX files?
Xero, Wave, GnuCash, Moneydance and many desktop finance programs offer an OFX import. QuickBooks prefers .qbo and Quicken prefers .qfx; use those variants for Intuit products.
I have balances in several currencies. What do I download?
Wise gives one statement per currency balance. Download and convert each one, and keep each currency in its own account in your books. A conversion between your balances shows up in both files.
What happens with overlapping exports or repeated rows?
Each transaction gets an id built from its date, amount, description and platform id, so the same row in two overlapping exports gets the same id. Whether your software uses that id to skip a repeat is up to the software, so avoiding overlapping date ranges is still the safest habit. Within one file, exact repeats of the same platform transaction are dropped and the notes say how many.

Other ways to convert Wise

Other exports to OFX