Bank of America CSV to Actual Budget

Turn your Bank of America export into a file Actual Budget will import: Date, Payee, Notes, Amount.

Your file never leaves your computer. Everything runs in this page. No upload, no account, no server.

Drop your bank CSV here or choose a file

What a Bank of America export looks like

Checking and savings exports open with several lines of account summary (description, beginning balance, total credits and debits) before the real header row, which begins Date, Description, Amount. (beancount.io Bank of America page)
Credit-card exports generally do not have that summary block. (beancount.io Bank of America page)

Only the first three header names are documented in the source; the summary lines in the sample are made up to show the shape. The tool skips everything above the real header automatically. Not affiliated with Bank of America.

How it maps to Actual Budget

Bank of America checking and savings exports start with account-summary lines before the real header row. Summary lines at the top of the original are dropped, so Actual does not read them as transactions.

Dates in the converted file: ISO YYYY-MM-DD. In Actual's import screen you can pick the date format to match the file and confirm the green interpreted date.

Import into Actual Budget

Open the account in Actual and press Import.
Select the converted file and choose the CSV option.
Pick the column for each field (Date, Payee, Notes, Amount). Check the green date that shows how Actual read the date, and change the date format if it is wrong.
Leave "Flip amount" and "Split amount into separate inflow/outflow columns" off, then import.

Sources: Actual Budget docs: Importing transactions. Actual's documentation lists CSV, QIF, OFX, QFX and CAMT as supported files, notes the options Flip amount, Split amount into separate inflow/outflow columns and a delimiter setting, and says to adjust the date format if the green date looks wrong. Not affiliated with Actual Budget.

Questions about Bank of America and Actual Budget

Should I tick "Flip amount" in Actual? Normally no. The converted file already has purchases as negative amounts. Only use it if the preview in Actual shows them reversed.

Why ISO dates for Actual? They cannot be misread as day-first or month-first, and Actual lets you choose a matching date format on the import screen.

The "try a sample" link above loads made-up rows in the Bank of America layout.

Free online, or the offline edition

Online (this page)

Free

First 25 rows per file
All 5 import formats
Fully private, runs in your browser

Offline edition

$29 one time

One file you keep, works with no internet
No row limit, no key, no account
Same private conversion, for as many statements as you like

Buy the offline edition

FAQ

Is my bank data uploaded?

No. The converter is JavaScript running in your browser tab. You can disconnect from the internet after the page loads and it still works.

Which banks work?

Any bank that exports CSV. Dates, delimiters (comma, semicolon, tab), European number formats, separate debit/credit columns, headerless files and extra summary rows are handled, and you can override the column mapping.