Discover to Capital One QuickBooks, Convert CSV to QBO
No account needed for your first 3 conversions. We never store your bank login.
Short answer: Capital One is moving Discover credit cards and Discover Bank accounts onto its own platform in waves that run through 2026 and into 2027. When your account moves, the Discover connection in QuickBooks stops bringing in new activity and you have to reconnect under the Capital One listing. Discover no longer offers a .qbo Web Connect download, and Capital One card accounts export activity as a CSV. So the dependable way to fill the gap, or to keep QuickBooks Desktop current, is to export the CSV and convert it to a .qbo file. The converter at the top of this page does that in your browser.
Most of the pain lands on small businesses, not on households. A company with a Discover it Business card, a Discover checking account and maybe a savings account can see those accounts move on different dates, which leaves QuickBooks half on the old connection and half on the new one. The table below shows which routes still work while that happens.
| Route into QuickBooks during the migration | QuickBooks Online | QuickBooks Desktop | Covers the gap months | What it costs |
|---|---|---|---|---|
| Export the Discover or Capital One CSV and convert it to .qbo | Yes, upload the .qbo | Yes, Import Web Connect Files | Yes, you pick the exact dates | A converter plan; ours starts at $49 a month, or $24.50 a month billed yearly |
| Reconnect the bank feed under the Capital One listing | Yes, from Bank transactions | Depends on your Desktop connection type | Only what the new feed pulls back, often about 90 days | Included in QuickBooks Online |
| Upload the raw CSV to QuickBooks Online | Yes, with manual column mapping | No, Desktop has no CSV bank import | Yes, if you map it correctly | Free, paid for in cleanup time |
| Download a .qbo Web Connect file from Discover | No longer offered for Discover cards or bank accounts | |||
| Keep using the old Discover connection | Stops working for each account once that account is set up with Capital One | |||
What is happening to Discover accounts in QuickBooks?
Discover merged into Capital One on May 18, 2025, and Capital One is now moving the accounts themselves. Intuit's own help article on the change says Capital One is moving Discover bank accounts onto the Capital One platform in phases, and that you may be prompted to reconnect so your bank feed keeps working. Your transaction history stays in QuickBooks. What changes is where new transactions come from.
Capital One says some Discover cardholders have already moved and others will not until later in 2026 or in 2027, and that it contacts each customer directly before anything happens to their account. The first card customers were told to expect a late July 2026 date. Primary cardholders keep their card and account number. Authorized users get new cards with their own numbers, which matters if you track employee spending by card number in QuickBooks.
Why did my Discover transactions stop downloading to QuickBooks?
Almost always because that account has moved. Once an account is set up with Capital One, you manage it on the Capital One website and app and can no longer see it on discover.com or in the Discover app. The Discover connection in QuickBooks is still pointed at Discover, so it either errors out or goes quiet after the move date. Reconnecting it to Discover will not bring anything back. The fix is to disconnect that account and add it again through Capital One.
If only some of your Discover accounts have moved, keep both connections. Intuit says accounts may not migrate at the same time and that you need to keep the Discover and the Capital One connections until everything has moved.
How do I reconnect Discover accounts to Capital One in QuickBooks Online?
In QuickBooks Online, go to Bank transactions, find the Discover connection and edit its sign-in info, then disconnect each account that has moved. Search for Capital One, sign in with your Capital One credentials and add the accounts. Link each one to the same QuickBooks account the Discover feed used, so the register stays in one place. New transactions then arrive under the Capital One connection.
Two things go wrong at this step. A new connection usually pulls back only about 90 days of activity, and some of those days are already in QuickBooks from the Discover feed, so you get duplicates in For review. Exclude them rather than adding them. Our guide to duplicate transactions in QuickBooks Online covers how to spot them quickly. The second problem is the opposite: the days between the last Discover download and the first Capital One download can fall through entirely.
How do I download Discover card transactions to QuickBooks?
Export them as a CSV and convert the CSV to a .qbo. Discover stopped offering QuickBooks .qbo downloads in September 2022, so the direct .qbo button is gone, and after migration the account lives on Capital One, whose card export is a CSV. If the account has not moved yet, download the CSV from discover.com. If it has, download it from Capital One. Upload the file above, and the converter builds a .qbo with the date, description and signed amount of every row.
If you have not been told a move date yet, download a full CSV of your Discover history now, while the account is still on discover.com. Once the account moves you can no longer view it there, and Capital One's card activity export reaches back only about 90 days. A year-end file is much easier to build from a CSV you already have than from monthly PDFs.
How do I fill the gap between the Discover feed and the Capital One feed?
Find the last date the Discover connection brought in and the first date the Capital One connection brought in. Export a CSV for exactly the days in between, convert it, and import the .qbo into the same QuickBooks account. Keep the range tight. The file carries its own transaction IDs, and QuickBooks only skips IDs it has already seen for that account, so rows that overlap the feed land in For review twice.
- Check the register. Note the last Discover-fed date and the first Capital One-fed date for each account.
- Export the missing days. Use discover.com if the gap falls before the move, the Capital One site if it falls after, or both.
- Convert the CSV. Upload it above and compare the parsed row count and preview with your statement before you download.
- Import the .qbo. In QuickBooks Online use Upload from file; in Desktop use File, Utilities, Import, Web Connect Files.
- Reconcile. Reconcile to the statement that covers the gap, then let the Capital One feed run from there.
QuickBooks Online accepts up to 1,000 transactions and 350 KB per uploaded file, whether it is a .csv or a .qbo, so a busy card may need its gap split by month. Our note on the QuickBooks CSV import limit has the details.
Does the Capital One CSV import correctly into QuickBooks?
Not without work. Capital One's card CSV splits money into separate Debit and Credit columns and adds a Card No. column, and QuickBooks Online's CSV wizard makes you map those by hand every time. Get the sign wrong on a card account and purchases post as payments, which throws the balance off by twice the amount. The Capital One CSV to QBO converter reads both columns and signs each row for a credit card or a bank account, so charges come in as charges.
Discover Bank checking and savings accounts behave like any bank account: deposits positive, withdrawals negative. If you are still exporting from discover.com, the Discover CSV to QBO converter handles those files and the Discover card export the same way.
What should QuickBooks Desktop users do?
QuickBooks Desktop cannot import a bank or card CSV in any version. It takes a .qbo Web Connect file or a live connection, and Direct Connect is being retired across the industry on October 30, 2026. That puts Desktop users with Discover accounts in a double squeeze: the institution is changing under them, and the connection type many of them relied on is ending in weeks. A converted .qbo imports through File, Utilities, Import, Web Connect Files, and it does not depend on either change. Our page on importing CSV to QuickBooks Desktop walks through the import, and the Direct Connect retirement covers the October date.
Is a converter worth paying for, or should I just map the CSV?
If you have one account, one short gap and QuickBooks Online, the built-in CSV upload is fine. Map Date, Description and Amount, check the signs, and you are done. A converter earns its cost when any of these apply: you run QuickBooks Desktop, you have several Discover accounts moving on different dates, you keep books for clients who are all hitting the same migration, or the gap spans more than a month. Our Starter plan is $49 a month, or $24.50 a month billed yearly ($294), with 100 conversions a month on one seat. The Plus plan adds QFX, OFX, QIF and IIF export. The full list is on the pricing page.
Card charges usually need receipts behind them too. If your team is also chasing receipts for those Discover or Capital One charges, expense management software that reads receipts can match them to the card lines, while the .qbo keeps the bank register itself complete.
Convert your first Discover or Capital One export
Upload a Discover or Capital One CSV at the top of this page. The first three conversions need no account and no card. They are capped at 25 rows and watermarked, which is enough to compare the parsed rows with your statement and open a real .qbo in QuickBooks before you pick a plan. For card-specific sign handling, see the credit card CSV to QuickBooks page.