How Google Sheets files work
A Google Sheets import works best from a clean CSV or XLSX with one header row, ISO or unambiguous dates, numeric amounts without currency symbols, and identifiers stored as text so leading zeros survive.
The right conversion depends on whether the next step is human review, spreadsheet analysis, archival, or import into financial software. A converter should preserve transaction meaning rather than simply changing an extension.
How to open Google Sheets
First identify the application that created the file and keep an untouched copy. Text-oriented formats can be inspected with a text editor, while spreadsheets and PDF documents require compatible viewers. Financial import formats should preferably be opened or imported by software that understands their account and transaction structures.
How to convert Google Sheets
Choose an output based on the destination. CSV or Excel works well for review and analysis; QBO, QFX, OFX, QIF, or IIF may be required for accounting and personal-finance imports; PDF is best for a fixed readable report. Validate dates, signs, balances and identifiers before relying on a converted file.
Google Sheets compared with related formats
Google Sheets and CSV serve different parts of the financial-data workflow; Google Sheets and Excel serve different parts of the financial-data workflow. The format name alone does not guarantee compatibility, so verify the destination application's supported versions and account types.