Fidelity Access
If I understand correctly Fidelity is replacing use of direct connect / OFX protocol with a new protocol referred to as "Fidelity Access". From what I can see Moneydance (and Quicken) do not (yet?) support this new protocol.
This is important in that Fidelity has indicated the continued use of MoneyDance then violates their lost funds replacement guarantee due to use of nonapproved 3rd party. Note that their use of term "3rd Party" seems different than infinitekind.
I note that Vanguard has also stopped use of OFX and does not seem to have a replacement intent. Have to use downloads by account.
Can anyone at Moneydance provide current status of this? Will Moneydance be updated to support Fidelity Access?
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391 Posted by Ambassador Dave on 16 Mar, 2026 02:25 AM
Thank you mmd for the modifications to your extension. Fidelity processed another round of the 401k transactions this week and the updated import extension handled them as expected. I'm appreciative!
@ppinocci, No worries, I suspect we've all been doing a lot of manual stuff for Fidelity. I know I did over the past week or so getting everything working again. I did try with the QIF output after updating the security name in Moneydance. I ended up with the duplicate security copies. One contained the existing history and about a dozen copies with either 1 or no historical prices each. My guess is Moneydance was creating a new security for each transaction that included that 'security'. I've no idea why it wasn't matching the existing, renamed one properly. For now, with mmd's extension working for me, I'm likely good until we get a new official method from IK. Thanks again for your help!
392 Posted by Stuart Beesley ... on 16 Mar, 2026 08:03 PM
@BillyGoat - you asked about the security of the extension approach. There is no document I can point you at for this... At this time the extension is not signed and therefore has not been 'blessed' by IK. Therefore you take the risk that you are using code written by someone (users) to do something. All I can say that is that a) the code is publicly available to look at (for anyone that's interested), and b) I have personally seen the code and given help to @mmd to get it working. But the risk at this time is yours to take or not... I do not defend IK here - just state some facts about the very useful extension that has been written to help people out.
(not support, just a fellow user)
Author of: Toolbox, Custom Balances, Extract Data (to name a few) etc.....
393 Posted by LarryCL on 17 Mar, 2026 08:23 PM
@dwg, back on 3/3/26, you wrote: "I placed a pointer and a note on the Developer's slack site that users were unhappy with the lack of response on the fidelity issue."
Since two weeks have passed since you gave him a head's up, I was curious as to if you got a reply back from the Developer (Sean).
394 Posted by dwg on 17 Mar, 2026 09:10 PM
There has been no response.
All we can do is raise issues we cannot force a response.
395 Posted by ppinocci on 17 Mar, 2026 09:43 PM
@Ambassador Dave, What's really weird is that the csv I download for my Fidelity 401k acct transactions looks nothing like yours. And it looks the same whether I download it from the Fidelity Investments page (Activity and Orders), or from the NetBenefits page (Transaction History), although the one from the Fidelity Investments page has some header and footer in it. The qif can only be downloaded from the NetBenefits page. If I try from the Fidelity Investments page, it takes me to the NetBenefits page to do it. But since the csv for my Fidelity 401k looked so different from the csv for my investment accounts, I figured there'd be no way to get an importer to work, so I used the qif. It's also interesting that the data looks a little different between my csv and qif, the securities are named slightly different and the memos are different. I pasted my csv and qif below so you can see. Anyway, I was just wondering how you downloaded your 401k csv. Thanks.
csv
Date,Investment,Transaction Type,Amount,Shares/Unit
02/06/2026,FID CONTRAFUND K,Dividends and Interest,"931.92","37.822"
01/26/2026,FID CONTRAFUND K,REVENUE CREDIT,"264.96","10.659"
01/26/2026,FID BALANCED K,REVENUE CREDIT,"155.67","4.764"
qif
!Type:Invst
D01/26/2026
NShrsOut
YFID BALANCED K(2077)
I32.69000
Q4.764
U155.67
T155.67
MFees
^
D01/26/2026
NShrsOut
YFID CONTRAFUND K(2080)
I24.86000
Q10.659
U264.96
T264.96
MFees
^
D02/06/2026
NBuy
YFID CONTRAFUND K(2080)
I24.64000
Q37.822
U931.92
T931.92
MDividends and Interest
^
396 Posted by dtd on 17 Mar, 2026 10:17 PM
Are you downloading the csv while pointing to a single account or while on all accounts?
397 Posted by LarryCL on 17 Mar, 2026 11:18 PM
@dwg, thanks for the update. IMHO, the silence (eg, lack of response) from the developer speaks volumes.
398 Posted by ppinocci on 17 Mar, 2026 11:30 PM
It doesn't matter whether I'm pointing to a single account or while on all accounts, the csv looks the same. But it's not just that there's no account number in csv, it looks way different from @Ambassador Dave's 401k csv or the csv's from an investment or ira account, it's not even close. See the difference in the title lines I pasted below.
csv titles from @Ambassador Dave's 401k:
Run Date,Account,Account Number,Action,Symbol,Description,Type,Price ($),Quantity,Commission ($),Fees ($),Accrued Interest ($),Amount ($),Settlement Date
csv titles from investment account/ira:
Run Date,Account,Account Number,Action,Symbol,Description,Type,Price ($),Quantity,Commission ($),Fees ($),Accrued Interest ($),Amount ($),Settlement Date
csv titles from my 401k:
Date,Investment,Transaction Type,Shares/Unit,Amount ($)
399 Posted by dwg on 17 Mar, 2026 11:49 PM
Fidelity are a large investment house.
I can envisage them selling products under different brand names and via different channels Hence it would not be hard to see them having various systems to handle these, different systems could well mean different code used to export transactions, especially if the different brands are working as just different wrap accounts.
400 Posted by ppinocci on 17 Mar, 2026 11:53 PM
That's what I'm thinking too, 401k's that Fidelity manages for different companies may have different specs for things like exporting transactions. Or maybe they just coded to the spec that existed at that time and when they took on newer ones they changed the spec but didn't go back to the older 401k's. I had just assumed it was just a difference between investment/ira accounts vs 401k accounts.
401 Posted by Ambassador Dave on 18 Mar, 2026 02:28 AM
@ppinocci I download my 401k from Fidelity by first logging into Fidelity (as opposed to NetBenefits), then in the first "All accounts" dashboard screen I see I click on the "Activity and Orders" tab. Sometimes I change the default 30-days timeframe to a custom timeframe. Then I click on the download icon on the far right (a downward pointing arrow into a little trough) and select "Download as CSV" which is the only option for me on this page.
If I select the named 401(k) account in the left-hand group of Accounts, then go to "Actiivites and Orders" for just the 401k account, then the download icon gives me both CSV and QIF options. I opened up a QIF file and the format appears exactly the same as yours, just with different data. I have no good idea why when I imported the QIF it made multiple duplicates of the security records, yet with mmd's CSV converter working fine for me, I had little inclination to try and resolve it as an issue.
Now, on a whim, I decided to download the 401k as a CSV from the same download option that gives me the QIF. So this is after selecting the 401k account specifically, not All Accounts. That CSV, lo and behold, has the same header titles as yours:
Date, Investment, Transaction Type, Shares/Unit, Amount($)
Do you only have the one account at Fidelity? That might be why "All Accounts" doesn't give you the larger set of CSV titles?
402 Posted by ppinocci on 18 Mar, 2026 03:40 AM
@Ambassador Dave, I have two accounts but they are both 401k accounts, one is an older inactive one that has $0 balance and the other is the active one. It doesn't matter whether I select "All Accounts" or "Retirement" accounts or one of the named 401k accounts, I always have "Download as CSV" and "Download as QIF" as download options and the CSV format is the short one. So I think you are right, I'll bet if I had a non-401k account included under All Accounts then my CSV download from All Accounts would be the expanded one. Do you have any non-401k accounts included in your list of accounts under "All Accounts"?
403 Posted by ppinocci on 18 Mar, 2026 03:38 PM
My 401k issue is in my wife's Fidelity acct, it's hers that has just the two 401k account. My Fidelity acct has a mix of an old now no longer used 401k and some IRAs, and I see the exact same thing as @Ambassador Dave, the 401k csv is the expanded format if I have All Accounts or Retirement accounts selected but the shortened format if I have just the 401k account selected. It's making sense now, many of the columns in the expanded format would not apply to a 401k, so why have them in the 401k specific format. But if exporting data for a mix of the types you would need to use the expanded format to accommodate the type needing the additional fields, so they use the expanded format and only plug in the columns for those that apply. Why for the 401k accounts they put the Qty in the Price column, I think that's a bug. I did notice a post from @ExplodingSidewalk who said he's seeing the same thing for HSA accounts. Again, that makes sense, HSA accounts also would not have a need for many of the columns, so it's probably using the same format for them as 401k accounts. Anyway, I think it's a little clearer now how the downloads are working.
404 Posted by jesmail on 22 Mar, 2026 10:24 AM
@mmd appreciate you import_fidelity script. One request, I have several accounts that contain CD's.
When the CSV comes down, it flags them as interest. The script declares them as an error and makes them a XFR to my checking account. I have been correcting them after the import.
Could you convert them to dividends , wich then it should line them up to the correct CD.
Thanks
405 Posted by tiptonbob on 23 Mar, 2026 02:48 PM
Has anyone figured out how to Merge downloaded transactions in the Cash account? I can just delete them, but they seem to go on downloading.
406 Posted by Patrick on 26 Mar, 2026 03:54 PM
Any update from IK about resolving the issue with Fidelity / Plaid ?
407 Posted by LarryCL on 28 Mar, 2026 01:57 PM
@Patrick, the last "official" update appears to have been a month ago on 2/26/26 from Maddy where we got a "we're still working on it" update link: https://infinitekind.tenderapp.com/discussions/general-questions/24...
"Unofficially", the user @dwg (who is in the beta-tester circle) reached out directly to the IK developer via Slack on 3/3/26 asking him to respond (here or via the IK blog). There was no response to this request. Personally, I am taking the lack of a response as a message; you are free to interpret it as you wish.
408 Posted by NanHoward on 01 Apr, 2026 10:59 PM
I have been using the extension that was provided by posters here (thanks very much for it) since shortly after it was offered. I have 5 accounts that i want the transaction downloaded from. Each time that i have used it (probably a total of 5 or 6 times) I have problems downloading one of the accounts (The other accounts have no problem.) - I keep getting an error messages for all of the transactions in that account. Each time, I fiddle around with changing the name of the account until I find one that works - then it will download the transactions. The next month, I get the same error message with that name and have to change the account name to something else; it will then download. This month, no matter what I change it to - (this time to the exact name that is in the Fidelity account), I get an error. This account has most of the transactions, so I need it to download. I have tried both with and without the Fidelity in front - neither work. I have attached a screen shot of the error page, cutting off the account number. I had version 6, and just dowloaded version 11 and tried that , and the same thing happened. Can someone please help and advise me what to do.?
409 Posted by NanHoward on 01 Apr, 2026 11:24 PM
Well, referring to my last pst (asbove), I just had it work (for the 7th try). I changed the name of the account by copying the name from the csv file instead of typing it in. I'm sure that it was identical to begin with, but who knows!
At least it now it has imported the transactions. I hop[e that it still works next time.
410 Posted by rlsantella on 02 Apr, 2026 03:41 PM
Does anyone know if Quicken for Mac downloads/imports data from Fidelity accurately?
411 Posted by dtd on 02 Apr, 2026 06:44 PM
Many companies are having trouble with Fidelity as Fidelity is moving away from OFX and allowing only csv downloads, which is extremely problematic for investment accounts.
Quicken has an 'in' with fidelity due to their size, and has been working since about July 2025 to get something working that satisfies both fidelity and quicken. It's been many months, and it sometimes works and sometimes does not, as they continue to work on the interface. Here's a quick example (there are many) of quicken for mac/fidelity from February.
a google search will reveal more...
https://community.quicken.com/discussion/7971438/why-is-quicken-for-mac-not-syncing-with-fidelity-investments
412 Posted by MikeB on 04 Apr, 2026 02:39 PM
I think it's getting pretty obvious now that IK doesn't have the resources to continue support MD effectively if at all. They have been dealing with this issue for years and jumped on Plaid instead of having a longer strategic view. They haven't released a new version of MD in over a year. They don't provide updates on anything in a reasonable time frame. To me it seems like they're just riding this one into the ground. I hate to say it but after using MD for over 20 years I think it's time to find something with a support team who actually is working on the software and cares about retaining customers.
413 Posted by David on 04 Apr, 2026 03:39 PM
Could somebody help with instructions for how to install and use the extension mentioned in many of the messages above? The links get me to a GitHub page, but I don't know what to do with what I find there. (I do know how to install extensions in Moneydance, but don't see anything to download except a zip file that yields a folder, not an extension -- and earlier messages make me wonder if I would need further instructions for editing the CSV file to make it suitable for the extension to proccess, once I have an extension and install it.)
If there was an earlier message (on one of the 14 preceding screens) that I missed, my apologies — just send me to it. Thank you!
414 Posted by James K on 04 Apr, 2026 05:59 PM
I agree with MikeB 's post above. IK has been abandoned.
Maddy- prove me wrong.
415 Posted by -Kevin N. on 04 Apr, 2026 06:01 PM
@David,
Because of some peculiarity with the Tender website, the import_fidelity.mxt file downloads as import_fidelity.zip.
You can either install the .zip file as is or rename it with a .mxt extension.
-Kevin N. (not a member of Moneydance support)
416 Posted by David on 04 Apr, 2026 10:40 PM
@Kevin N.
Thank you!
417 Posted by rlsantella on 06 Apr, 2026 12:44 PM
The extension will not import municipal bond dividends. It just gives an error message for each transaction. It seems to import other transactions acceptably. Any ideas?
418 Posted by mmd on 06 Apr, 2026 03:25 PM
@rlsantella For any transactions that give an error message it should still import as an Xfr transaction. Does it do this? If so can you share the CSV file or an excerpt of it with these transactions and the top lines with the headers on there (things like Amount, etc.) to see what the issue is?
You can also email me at [email blocked] but it won't actually forward any attachments
419 Posted by mmd on 06 Apr, 2026 03:28 PM
@jesmail I would need to see the CSV.
420 Posted by jesmail on 06 Apr, 2026 05:55 PM
@mmd Ifixed the issue for me by changing one line in your code.
divStrings = ['DIVIDEND RECEIVED ', 'REGULATORY FEE ADJ','INTEREST']
While this works for me it may not be for other people as you can see in the CSV file, fidelity declares CD as interest but then it does not match it up to the security.
I guess a better fix would have checked for "CD" when interest payment then delcared it as a divString.
Thanks for you script. No other problems for me.
Jim...