Turn a bank or credit card CSV into an OFX file, the standard bank statement format that Xero, GnuCash, YNAB and many other apps can import.
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Standard OFX format
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File:
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Date
Description
Amount
How to import the OFX file
XeroGo to Accounting, Bank accounts, choose the account, then Manage account, Import a statement.
GnuCashGo to File, Import, Import OFX/QFX, and match the account.
YNABOpen the account and choose Import, then select the .ofx file.
QuickBooksUse a QBO file instead. The CSV to QBO converter makes one from the same CSV.
Why OFX instead of CSV?
When you import a CSV, most apps make you match columns and fix date formats every time. An OFX file already says which value is the date, the payee and the amount, what kind of account it is, and gives every transaction an ID, so the app can import it in one step and skip anything it has seen before.