Debugging OFX Files

[Jon Thiele]

My credit card company recently made changes to their OFX download files.   After trying to import the file, MSMoney gives me the standard "[file] cannot be imported.   Please confirm you have the correct file, or select another file to import."    I've searched for punctuation characters in the <NAME> field but nothing pops up.  GnuCash imports this file correctly, so I'm a bit lost on what I can do or where I should look to solve this issue.

I can download the file to a CSV format and then use an Excel Macro to create a Quicken style file that will import, but this rather impractical.   

Any suggestions on how to go about debugging a OFX file?

[Cal Learner]

Seek out OFXAnalyzer.

https://microsoftmoneyoffline.wordpress.com/ofx-file-analzer/

http://moneymvps.org/faq/article/366.aspx

Maybe post the arcane result.

[Jon Thiele]

Thanks Cal.   Appreciated.  

Here are the results from the OFX Analzer program:

*** All line number references do not include header lines ***
***OFX 1.02 Add ~10
***OFX 2.0 Add ~2
Running Data Through Parser
ERROR -- File not found, File empty, Out of Memory, or Unknown Parse Failure

I get an error message from the program that says:  "File Failed Parse" - but I can View the file - the program brings up NotePad and displays it correctly.

[Cal Learner]

Did you Browse to the file from within OFXAnalyzer, rather that typing the path into the Filename box?

Consider posting a copy of the OFX file, after editing out the value for <ACCTID>XXXXXXXXXXXX1234 .

Mine actually had the Xs, but I changed the digits.

Maybe also change the strings for <NAME>KINGS CROSS NAUGHTY PLACE  to  <NAME>Business 1

[Jon Thiele]

It looks like the OFX Analzer program does not like my file.   

When I looked at the file in a Hex Editor, I noticed that there are no Line Feeds or Carriage Returns.   It's all one big string.   

I viewed the file within OFXAnalyzer using the "View File" button.  

Cal - do you think that the lack of Line Feeds or Carriage Returns is an issue?  

Here is the file:

<OFX><SIGNONMSGSRSV1><SONRS><STATUS><CODE>0</CODE><SEVERITY>INFO</SEVERITY></STATUS><DTSERVER>20250911090206</DTSERVER><LANGUAGE>ENG</LANGUAGE><DTACCTUP>20250911090206</DTACCTUP><FI><ORG>20220429173723</ORG><FID>3088</FID></FI></SONRS></SIGNONMSGSRSV1><CREDITCARDMSGSRSV1><CCSTMTTRNRS><TRNUID>0</TRNUID><STATUS><CODE>0</CODE><SEVERITY>INFO</SEVERITY></STATUS><CCSTMTRS><CURDEF>CAD</CURDEF><CCACCTFROM><ACCTID>XXXXXXXXXXXX1234</ACCTID></CCACCTFROM><BANKTRANLIST><DTSTART>20250906000000</DTSTART><DTEND>20251005</DTEND><STMTTRN><TRNTYPE>DEBIT</TRNTYPE><DTPOSTED>20250904000000</DTPOSTED><DTUSER>20250904000000</DTUSER><TRNAMT>-11.25</TRNAMT><FITID>20250904000000D752355134425247800135450813</FITID><SIC>7523</SIC><NAME>STORE</NAME></STMTTRN><STMTTRN><TRNTYPE>DEBIT</TRNTYPE><DTPOSTED>20250904000000</DTPOSTED><DTUSER>20250904000000</DTUSER><TRNAMT>-102.63</TRNAMT><FITID>20250904000000D530055134425247800176891784</FITID><SIC>5300</SIC><NAME>STORE</NAME></STMTTRN><STMTTRN><TRNTYPE>DEBIT</TRNTYPE><DTPOSTED>20250903000000</DTPOSTED><DTUSER>20250903000000</DTUSER><TRNAMT>-6.96</TRNAMT><FITID>20250903000000D581455419215247202760392579</FITID><SIC>5814</SIC><NAME>STORE</NAME></STMTTRN><STMTTRN><TRNTYPE>DEBIT</TRNTYPE><DTPOSTED>20250903000000</DTPOSTED><DTUSER>20250903000000</DTUSER><TRNAMT>-23.05</TRNAMT><FITID>20250903000000D541155181365246838447183558</FITID><SIC>5411</SIC><NAME>STORE</NAME></STMTTRN><STMTTRN><TRNTYPE>DEBIT</TRNTYPE><DTPOSTED>20250902000000</DTPOSTED><DTUSER>20250902000000</DTUSER><TRNAMT>-90.00</TRNAMT><FITID>20250902000000D804175259115245920155174402</FITID><SIC>8041</SIC><NAME>STORE</NAME></STMTTRN><STMTTRN><TRNTYPE>DEBIT</TRNTYPE><DTPOSTED>20250902000000</DTPOSTED><DTUSER>20250902000000</DTUSER><TRNAMT>-39.00</TRNAMT><FITID>20250902000000D592175259115245920019564509</FITID><SIC>5921</SIC><NAME>STORE</NAME></STMTTRN><STMTTRN><TRNTYPE>DEBIT</TRNTYPE><DTPOSTED>20250903000000</DTPOSTED><DTUSER>20250903000000</DTUSER><TRNAMT>-29.37</TRNAMT><FITID>20250903000000D541155181365246882654018727</FITID><SIC>5411</SIC><NAME>STORE</NAME></STMTTRN><STMTTRN><TRNTYPE>DEBIT</TRNTYPE><DTPOSTED>20250902000000</DTPOSTED><DTUSER>20250902000000</DTUSER><TRNAMT>-100.90</TRNAMT><FITID>20250902000000D592175259115245920019564400</FITID><SIC>5921</SIC><NAME>STORE</NAME></STMTTRN><STMTTRN><TRNTYPE>DEBIT</TRNTYPE><DTPOSTED>20250902000000</DTPOSTED><DTUSER>20250902000000</DTUSER><TRNAMT>-152.29</TRNAMT><FITID>20250902000000D551155259565245272456810914</FITID><SIC>5511</SIC><NAME>STORE</NAME></STMTTRN><STMTTRN><TRNTYPE>DEBIT</TRNTYPE><DTPOSTED>20250901000000</DTPOSTED><DTUSER>20250901000000</DTUSER><TRNAMT>-12.25</TRNAMT><FITID>20250901000000D546212305015244001008776097</FITID><SIC>5462</SIC><NAME>STORE</NAME></STMTTRN><STMTTRN><TRNTYPE>DEBIT</TRNTYPE><DTPOSTED>20250831000000</DTPOSTED><DTUSER>20250831000000</DTUSER><TRNAMT>-35.62</TRNAMT><FITID>20250831000000D591255181365243838411261482</FITID><SIC>5912</SIC><NAME>STORE</NAME></STMTTRN><STMTTRN><TRNTYPE>DEBIT</TRNTYPE><DTPOSTED>20250830000000</DTPOSTED><DTUSER>20250830000000</DTUSER><TRNAMT>-6.89</TRNAMT><FITID>20250830000000D591255181365242838401039188</FITID><SIC>5912</SIC><NAME>STORE</NAME></STMTTRN><STMTTRN><TRNTYPE>DEBIT</TRNTYPE><DTPOSTED>20250828000000</DTPOSTED><DTUSER>20250828000000</DTUSER><TRNAMT>-171.31</TRNAMT><FITID>20250828000000D729882300095241500003082628</FITID><SIC>7298</SIC><NAME>STORE</NAME></STMTTRN><STMTTRN><TRNTYPE>DEBIT</TRNTYPE><DTPOSTED>20250828000000</DTPOSTED><DTUSER>20250828000000</DTUSER><TRNAMT>-49.42</TRNAMT><FITID>20250828000000D591255181365240838464655799</FITID><SIC>5912</SIC><NAME>STORE</NAME></STMTTRN><STMTTRN><TRNTYPE>DEBIT</TRNTYPE><DTPOSTED>20250828000000</DTPOSTED><DTUSER>20250828000000</DTUSER><TRNAMT>-28.52</TRNAMT><FITID>20250828000000D541155181365240882631221424</FITID><SIC>5411</SIC><NAME>STORE</NAME></STMTTRN><STMTTRN><TRNTYPE>DEBIT</TRNTYPE><DTPOSTED>20250828000000</DTPOSTED><DTUSER>20250828000000</DTUSER><TRNAMT>-93.70</TRNAMT><FITID>20250828000000D592155134425240800132972378</FITID><SIC>5921</SIC><NAME>STORE</NAME></STMTTRN><STMTTRN><TRNTYPE>DEBIT</TRNTYPE><DTPOSTED>20250828000000</DTPOSTED><DTUSER>20250828000000</DTUSER><TRNAMT>-12.98</TRNAMT><FITID>20250828000000D554155134425240800186533431</FITID><SIC>5541</SIC><NAME>STORE</NAME></STMTTRN><STMTTRN><TRNTYPE>DEBIT</TRNTYPE><DTPOSTED>20250828000000</DTPOSTED><DTUSER>20250828000000</DTUSER><TRNAMT>-52.84</TRNAMT><FITID>20250828000000D478455181365240461607365695</FITID><SIC>4784</SIC><NAME>STORE</NAME></STMTTRN><STMTTRN><TRNTYPE>PAYMENT</TRNTYPE><DTPOSTED>20250827000000</DTPOSTED><DTUSER>20250827000000</DTUSER><TRNAMT>5905.68</TRNAMT><FITID>20250827000000C0000</FITID><SIC>0000</SIC><NAME>STORE</NAME></STMTTRN><STMTTRN><TRNTYPE>DEBIT</TRNTYPE><DTPOSTED>20250826000000</DTPOSTED><DTUSER>20250826000000</DTUSER><TRNAMT>-199.05</TRNAMT><FITID>20250826000000D592155134425238800131887332</FITID><SIC>5921</SIC><NAME>STORE</NAME></STMTTRN><STMTTRN><TRNTYPE>DEBIT</TRNTYPE><DTPOSTED>20250822000000</DTPOSTED><DTUSER>20250822000000</DTUSER><TRNAMT>-36.56</TRNAMT><FITID>20250822000000D581255134425234800168050501</FITID><SIC>5812</SIC><NAME>STORE</NAME></STMTTRN><STMTTRN><TRNTYPE>DEBIT</TRNTYPE><DTPOSTED>20250824000000</DTPOSTED><DTUSER>20250824000000</DTUSER><TRNAMT>-160.97</TRNAMT><FITID>20250824000000D481612305015236000024674062</FITID><SIC>4816</SIC><NAME>STORE</NAME></STMTTRN><STMTTRN><TRNTYPE>CREDIT</TRNTYPE><DTPOSTED>20250821000000</DTPOSTED><DTUSER>20250821000000</DTUSER><TRNAMT>73.44</TRNAMT><FITID>20250821000000C655505579625233000000015902</FITID><SIC>6555</SIC><NAME>STORE</NAME></STMTTRN><STMTTRN><TRNTYPE>DEBIT</TRNTYPE><DTPOSTED>20250819000000</DTPOSTED><DTUSER>20250819000000</DTUSER><TRNAMT>-11.29</TRNAMT><FITID>20250819000000D596855490535231207012490817</FITID><SIC>5968</SIC><NAME>STORE</NAME></STMTTRN><STMTTRN><TRNTYPE>DEBIT</TRNTYPE><DTPOSTED>20250818000000</DTPOSTED><DTUSER>20250818000000</DTUSER><TRNAMT>-3.38</TRNAMT><FITID>20250818000000D596855490535230206965359335</FITID><SIC>5968</SIC><NAME>STORE</NAME></STMTTRN><STMTTRN><TRNTYPE>DEBIT</TRNTYPE><DTPOSTED>20250819000000</DTPOSTED><DTUSER>20250819000000</DTUSER><TRNAMT>-22.60</TRNAMT><FITID>20250819000000D481255490535231207010322673</FITID><SIC>4812</SIC><NAME>STORE</NAME></STMTTRN><STMTTRN><TRNTYPE>DEBIT</TRNTYPE><DTPOSTED>20250814000000</DTPOSTED><DTUSER>20250814000000</DTUSER><TRNAMT>-61.61</TRNAMT><FITID>20250814000000D541175259115226920366873100</FITID><SIC>5411</SIC><NAME>STORE</NAME></STMTTRN><STMTTRN><TRNTYPE>DEBIT</TRNTYPE><DTPOSTED>20250817000000</DTPOSTED><DTUSER>20250817000000</DTUSER><TRNAMT>-1.46</TRNAMT><FITID>20250817000000D581855490535229206447562582</FITID><SIC>5818</SIC><NAME>STORE</NAME></STMTTRN><STMTTRN><TRNTYPE>DEBIT</TRNTYPE><DTPOSTED>20250817000000</DTPOSTED><DTUSER>20250817000000</DTUSER><TRNAMT>-73.44</TRNAMT><FITID>20250817000000D481455490535229206499927634</FITID><SIC>4814</SIC><NAME>STORE</NAME></STMTTRN><STMTTRN><TRNTYPE>DEBIT</TRNTYPE><DTPOSTED>20250814000000</DTPOSTED><DTUSER>20250814000000</DTUSER><TRNAMT>-67.55</TRNAMT><FITID>20250814000000D592155134425226800133158546</FITID><SIC>5921</SIC><NAME>STORE</NAME></STMTTRN><STMTTRN><TRNTYPE>DEBIT</TRNTYPE><DTPOSTED>20250814000000</DTPOSTED><DTUSER>20250814000000</DTUSER><TRNAMT>-18.68</TRNAMT><FITID>20250814000000D531055134425226800189961603</FITID><SIC>5310</SIC><NAME>STORE</NAME></STMTTRN><STMTTRN><TRNTYPE>DEBIT</TRNTYPE><DTPOSTED>20250809000000</DTPOSTED><DTUSER>20250809000000</DTUSER><TRNAMT>-234.90</TRNAMT><FITID>20250809000000D592155134425221800122691296</FITID><SIC>5921</SIC><NAME>STORE</NAME></STMTTRN><STMTTRN><TRNTYPE>DEBIT</TRNTYPE><DTPOSTED>20250808000000</DTPOSTED><DTUSER>20250808000000</DTUSER><TRNAMT>-36.11</TRNAMT><FITID>20250808000000D519275259115220900628725203</FITID><SIC>5192</SIC><NAME>STORE</NAME></STMTTRN><STMTTRN><TRNTYPE>CREDIT</TRNTYPE><DTPOSTED>20250807000000</DTPOSTED><DTUSER>20250807000000</DTUSER><TRNAMT>73.45</TRNAMT><FITID>20250807000000C655505579625219000000005760</FITID><SIC>6555</SIC><NAME>STORE</NAME></STMTTRN><STMTTRN><TRNTYPE>DEBIT</TRNTYPE><DTPOSTED>20250808000000</DTPOSTED><DTUSER>20250808000000</DTUSER><TRNAMT>-45.62</TRNAMT><FITID>20250808000000D481655490535220203184884344</FITID><SIC>4816</SIC><NAME>STORE</NAME></STMTTRN><STMTTRN><TRNTYPE>DEBIT</TRNTYPE><DTPOSTED>20250806000000</DTPOSTED><DTUSER>20250806000000</DTUSER><TRNAMT>-42.01</TRNAMT><FITID>20250806000000D737282300095219500000889205</FITID><SIC>7372</SIC><NAME>STORE</NAME></STMTTRN><STMTTRN><TRNTYPE>DEBIT</TRNTYPE><DTPOSTED>20250806000000</DTPOSTED><DTUSER>20250806000000</DTUSER><TRNAMT>-218.44</TRNAMT><FITID>20250806000000D481655490535218202654406434</FITID><SIC>4816</SIC><NAME>STORE</NAME></STMTTRN></BANKTRANLIST><LEDGERBAL><BALAMT>-2556.25</BALAMT><DTASOF>20250911090206</DTASOF></LEDGERBAL></CCSTMTRS></CCSTMTTRNRS></CREDITCARDMSGSRSV1></OFX>

[Cal Learner]

Lacks a header, such as 

OFXHEADER:100
DATA:OFXSGML
VERSION:102
SECURITY:NONE
ENCODING:USASCII
CHARSET:1252
COMPRESSION:NONE
OLDFILEUID:NONE
NEWFILEUID:NONE

<OFX>

====================

After adding the header I got

Running Data Through Parser
No Parse Errors

Reading Data Into Buffer
Tokenizing Data
Initializing Data Structures
Analyzing Data
Verifying Security Types
Verifying Security Uniqueness
Verifying FITID Uniqueness
Verifying Sign Correctness
ERROR in <STMTTRN>:
<FITID>20250827000000C0000
<TRNTYPE>PAYMENT
<TRNAMT>5905.68
<TRNAMT> should be less than or equal to zero

Verifying Total Calculations
Verifying Other
Done Analyzing File

[Jon Thiele]

Thank You!!!

Appreciated. 

I've setup a ticket with my credit card company.   

Jon 

[Cal Learner]

I would add that initially I added a newline sequence before all < characters for easier reading. The blank line before the <OFX> is needed.