All four exports contain the same verified rows — the right choice depends on where the data is going.
CSV — the universal one
Plain comma-separated values: date, description, amount, running balance. Opens in every spreadsheet, imports into QuickBooks Online, Xero, and virtually any tool with an import screen. When in doubt, choose CSV.
Excel (.xlsx) — for humans
The same data as a formatted workbook with proper column types, ready for review, pivot tables or sending to a client. Choose this when a person, not a program, reads it next.
OFX — for accounting software
Open Financial Exchange is the standard bank-data format that accounting packages understand natively. Use it with Xero's bank statement import and other tools that accept OFX — it carries transaction types and dates in a way the software can trust without column mapping.
QFX — for Quicken
QFX is Quicken's flavour of OFX. If you're importing into Quicken, this is the one to pick; Quicken will refuse a plain OFX in some versions but always accepts QFX.
JSON — for your own code
The developer format: statement metadata (bank, currency, declared totals), the balance-check verdict, and every transaction as structured data. Amounts stay strings so nothing is mangled by float precision. If you're piping conversions into scripts, dashboards or an internal tool, this is the one.
Rule of thumb
Spreadsheet or import screen → CSV. Human eyes → Excel. Xero or OFX-aware software → OFX. Quicken → QFX. Your own code → JSON.