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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1 Posted by dwg on 01 Dec, 2025 09:34 PM
From what has been published about Fidelity that are forcing all access to data to be through Akoya, who they previously owned but still have an ownership interest in. This requires anyone to use the Akoya API and they are charging for access.
Many are refusing to pay, including Plaid. I do not see Moneydance paying for access to a specific aggregator for effective access to one institution and I do not see Moneydance switching to Akoya for all aggregator access, given they appear to be more limited in their scope.
Fidelity's actions appear questionable and also appear to be to ensure a new funds stream for a company they have an ownership interest in and thus derive a benefit for effectively selling access to your data.
2 Posted by mhoggie on 02 Dec, 2025 01:35 AM
just a user,
I hate to hear that. I hope they will still support csv format at least.
Support Staff 3 Posted by Maddy on 02 Dec, 2025 02:03 PM
Hi,
I can see you’ve received some replies from our knowledgeable Moneydance customers.
To add to this useful information I thought it's worth mentioning that Fidelity still supports Direct Connect for accounts already set up that way, but new accounts are being directed to EWC+. This indicates a gradual transition away from Direct Connect rather than an outright shutdown.
Unfortunately Fidelity doesn't support linking via Moneydance + at the moment.
I hope this information is helpful. Please let us know if you have further questions or need more assistance.
--
Maddy, Infinite Kind Support
4 Posted by ioweejun on 02 Dec, 2025 02:26 PM
Thank you for the quick response. Not the answer I had hoped for. The key to continued use of direct connect for those allowed is whether Fidelity’s fund loss guarantee is still to be honored. My contact with Fidelity is low level and perhaps not to be viewed as authoritative. Their answer is no on a case by case basis. The risk is too great and I am forced to suspend use.
Could someone at MoneyDance with better access get a more considered answer from Fidelity?
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5 Posted by dwg on 02 Dec, 2025 08:56 PM
Moneydance (TIK) is a small U.K. based company, I would not expect them to really have any access or contacts in Fidelity, and if they did ask and happened to get a response it would not surprise me if it was to use Akoya.
EWC+ happens to use an Aggregator who it appears is paying Akoya for access.
6 Posted by wrusry on 02 Dec, 2025 10:04 PM
Maddy,
I have been using downloading my Fidelity accounts into MoneyDance for a number of months after joining recently. I was using the Download button. I assume that is what you mean by direct access. It is no longer working for me. Unless I am misunderstanding something (very possible), it appears that your statement of "Fidelity still supports Direct Connect for accounts already set up that way" isn't true for me.
7 Posted by David Greene on 02 Dec, 2025 10:05 PM
I am a long term direct connect user of Fidelity and they cut me off today. I don't think I can download broker transactions via CSV so what are my options, as a MD user. Should I just give up and do 'bulk totals' for dividends, etc. which basically turns my MD into merely a cashflow estimator. Ideas/workarounds appreciated.
NOTE: i left Schwab for Fidelity so I would not have this issue, what a kick in the face!
8 Posted by ScottA on 02 Dec, 2025 10:24 PM
Same here, Direct Connect stopped working for me today. :(
Moneydance won't process CSV for investment transactions, so all my Fidelity accounts will have to be managed by hand for now. NOT good news.
I would guess that IK has known of the looming problem with Fidelity (and other institutions that will choose to support Akoya but not Plaid). Given Fidelity's size, I hope that they've been trying to figure out a solution. Is that the case? Is there one in sight?
Quicken doesn't have a Linux version, and I want to go back to running that hunk of junk in a VM even less than I want to support Intuit over IK. But if Direct Connect and Plaid are both getting edged out and EWC+ isn't... I'm not sure what choice I'll have.
9 Posted by David L Greene on 02 Dec, 2025 10:30 PM
Is there anyone left that supports direct access? Does empower? The issue with Plaid is the delay. I wish there was a way to bring brokerage transactions down in csv and post. I already do my checking transactions via CSV on Moneydance. I would pay extra if this could be done.
10 Posted by wrusry on 02 Dec, 2025 10:36 PM
Importing csv transactions into an investment account seems like such a basic thing to do. I was unaware that this wasn't supported officially or from an extension.
11 Posted by David L Greene on 02 Dec, 2025 11:03 PM
I used ChatGPT to try to setup a brokerage CSV post and it drove me crazy. Back and forth using 'cash ledger lines' and a lot of other BS. There has got to be a way to do this. I just don't want to go thru brain damage of switching brokerages again!!
12 Posted by dwg on 02 Dec, 2025 11:09 PM
It is not basic.
In other accounts it is a table to table matching exercise which works fine.
Investment accounts are not like this. They have an action field that drives what fields are available depending on transaction type i.e. its value, it determines what are mandatory fields and what are optional, the securities would also have to be an exact match and present both in Moneydance and associates to the specific investment account. The action field has a small number of acceptable entries.
I have yet to see a CSV download from an Investment house that has the data necessary and a structure that would allow a basic CSV import to work.
13 Posted by David L Greene on 02 Dec, 2025 11:12 PM
Has anyone had good experience using plaid on Schwab? I am facing the inevitable. I cannot believe Fidelity cares so little for their customers. This is another example of I.T. trying to run the company...
14 Posted by ioweejun on 02 Dec, 2025 11:14 PM
Fidelity does provide csv files. Those provided on estatements page appear to be balances only, but each account has csv downloads also, these with transactions. I’m sure, though have not tried, that these will import easily into a spreadsheet. It’s import into MoneyDance that is the question. The columns and some content are different than what MoneyDance uses. When Vanguard, without notification, stopped supporting direct connect they provided csv files that I imported into MoneyDance without any problem. I suspect they knew they were in for bad press. Fidelity does not seem to have done the same, though I admit to ignorance and maybe am doing something wrong with Fidelity files.
I tried to direct connect this afternoon and worked for me, though only loaded transactions thru Nov 15. Even if it remains useable the Fidelity equivocations on impact to funds recovery guarantee says I’ll need another solution.
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15 Posted by David L Greene on 02 Dec, 2025 11:16 PM
Fidelity transactions worked for me thru Nov 28 (always a day delay, starts populating on a Tuesday after a weekend). Stopped COLD today.
On Tue, Dec 2, 2025, at 5:14 PM, ioweejun wrote:
16 Posted by ScottA on 02 Dec, 2025 11:26 PM
The connection to Schwab through Plaid works fine. The actual transaction downloads are problematic:
All of that is pretty awful, but at least it's trying - more than Fidelity can say at this point.
17 Posted by David L Greene on 02 Dec, 2025 11:28 PM
Crap. No one cares about the customer anymore....Sad.. on another note, at least the Schwab Cash Management account is a real bank account....
On Tue, Dec 2, 2025, at 5:26 PM, ScottA wrote:
18 Posted by David L Greene on 02 Dec, 2025 11:45 PM
I may try out one of these paid converters to format: any input welcome on any of these...
Tool / Project What it Does / Key Features
*csv2ofx* (Python / command‑line library) Converts CSV files to OFX or QIF format, suitable for import into Moneydance (or similar) software. Supports mapping CSV columns to required fields, and handles typical date / amount / description transactions. GitHub <https://github.com/reubano/csv2ofx?utm_source=chatgpt.com>
*iCreateOFX* (Commercial / Windows) Lets you convert CSV (as well as QIF etc) to OFX. Has a “generic CSV” mode if your bank’s layout is nonstandard — or you can submit sample CSVs so a specific script can be made. iCreateOFX <https://icreateofx.com/products/basic/?utm_source=chatgpt.com>
*MoneyThumb 2Convert* (Commercial) Supports converting CSV (and other formats like PDF, QIF) to OFX/QFX, to be used with Quicken-style finance software. Good if you want GUI‑based, supported software and broader conversion features. MoneyThumb+1 <https://www.moneythumb.com/convert-to-quicken/?utm_source=chatgpt.com>
*Free online converters* (e.g. CSV‑to‑OFX / CSV‑to‑QFX websites) Some free web‑based tools let you upload a CSV, map fields (date, amount, payee), and convert to OFX/QFX for import. These may suffice if you have modest transaction volume and are comfortable manually mapping. For example, one such site claims to support conversion for Moneydance. FullyFreeTools+1 <https://fullyfreetools.com/converters/convert-csv-to-ofx/?utm_source=chatgpt.com>
On Tue, Dec 2, 2025, at 5:26 PM, ScottA wrote:
19 Posted by -Kevin N. on 02 Dec, 2025 11:49 PM
Hi All,
I obviously can't predict for how long, but as of this writing, Pocketsense is still working with Fidelity Investments.
Pocketsense was originally developed for MS Money, but since it just downloads the OFX files to your hard drive, it works fine with Moneydance as well.
I know Pocketsense works with Windows and Linux. I can't speak to whether it works with Macs.
-Kevin N. (not a member of Moneydance support)
20 Posted by wrusry on 03 Dec, 2025 12:14 AM
Thank you, Kevin N. !
21 Posted by David L Greene on 03 Dec, 2025 12:19 AM
Thanks but I have a mac..... sob sob
22 Posted by ppinocci on 03 Dec, 2025 01:02 AM
Wow, I had just posted a question in the Online Banking forum a few days about the feasibility of using csv file downloads from Fidelity Investments should they kill direct connect. I had a feeling it was going to happen very soon. Kevin N. provided some links to csv2ofx. And somewhere in one of the links it mentioned the iCreateOFX Investment tool, which is specifically for converting CSV files for investment accounts. It has some custom built scripts, including one for Fidelity Investments. So I gave it a try and it actually worked, although I had to transpose two of the columns in the CSV. The Price and Quantity in my CSV were in columns 5 and 6, respectively. But the CSV header said they should be reversed, with Quantity in column 5 and Price in column 6 (see below). So I suspect the author wrote the Fidelity script based on the header. He has an email address to send issues to. I might do that tomorrow.
Run Date,Action,Symbol,Description,Type,Quantity,Price ($),Commission ($),Fees ($),Accrued Interest ($),Amount ($),Cash Balance ($),Settlement Date
https://icreateofx.com/products/investment/
23 Posted by dtd on 03 Dec, 2025 01:08 AM
@david - i've looked at csv to ofx connectors for years anticipating Fidelity's eventual action. I have found NO converter that works generically with investment banks for all reasons already mentioned. When you downlad such, you eventually find they all do what some of the md extensions do. non-inestment only. i've found maybe 2-3c over time that do promise investment moving in general, but i'm glad i tried them on a test machine with a sandbox. all were scams. A few do have custom scripts for specific banks, but nothing in general.
Of course, let me know if you do find something that works, because Fidelit has apparently shut down ALL methods to get my own data into 3rd party software like MD, even all aggregators except Akoya.
fidelity may be working for quicken but there have been many issues there for month as well. i'm sure they wouldnt support anyone else.
24 Posted by ppinocci on 03 Dec, 2025 01:29 AM
By the way, the user guide for iCreateOFX Investment is not very complete and the tool is not always intuitive. If you plan to give it a try, I recommend reading through the below article from someone who used the tool to convert Schwab CSV files. It's more of a step-by-step guide to doing a conversion. It was very helpful for me when I tried the tool to convert a Fidelity CSV file.
https://microsoftmoneyoffline.wordpress.com/2024/01/18/csv-to-ofx-converter-for-brokerage-accounts-schwab-in-particular/
25 Posted by mhoggie on 03 Dec, 2025 03:11 PM
just a user,
After examining a CSV download from Fidelity it seems possible that we can use a CSV to import investment transactions into MD if MD could add investment fields to the CSV import field selections. Currently only banking fields are available.
26 Posted by David L Greene on 03 Dec, 2025 03:13 PM
I have finally calmed down. I have resorted to bringing down the transactions in CSV form then doing a pivot table with totals per 'Action'. That way, I can make summary entries to Moneydance as well as manually clearing transactions I have already recorded. I will also have to manually record security trades but I bet doing it manual will be more accurate than Fidelity download. . If there is a 'silver lining' it is the fact I can match transactions thru the PROCESSING date which does away with the 1 day delay by doing it automatically.
I looked around at other brokerage firms and it looks like they are all shutting these down. Those using Plaid has at least a day delay so will stick to this workaround and stick with Fidelity, given their automatic investment in SPAXX for idle cash. I just hope this doesn't impact MD revenue. . I am a fan of MD as it is a true double-entry bookkeeping and true future cashflow personal financial reporting system. I want MD to be successful. I have used MD for well over 15 years.
27 Posted by Henry Sully on 03 Dec, 2025 03:35 PM
Hi Maddy,
The download tool is not working for any of my Fidelity accounts as of this morning, Dec 3, 2025. The last time I downloaded was Nov 28. I, and likely many other users, are not computer or software engineers or geeks. We just really need to have a way to automate downloading into MD. I have 9 Fidelity Accounts that I manage and there is almost daily activity on one or more of these accounts and certainly all accounts have activity at least weekly. Please, could you tell us what steps are being planned or currently being taken by MD to resolve this issue in some way that makes it easy for the users to implement? I have no idea what Akoya is or how it works, or how much it costs. But on their website there seems to be a lot of financial intuitions that are are using it (not just Fidelity). If this is supposed to replace OFX in the industry, which I assume was something that was first instituted by Quicken? Obviously, MD was able to adapt OFX to its application. I would expect that whatever format, etc., Akoya is using, MD would be able to adapt to this as well. I also understand that my questions may not be educated....but I think you can understand what it is that I am asking. Thanks for your consideration and look forward to hearing back soon. -Henry Sully
28 Posted by ppinocci on 03 Dec, 2025 06:17 PM
My Fidelity advisor happened to call me today so I talked to him a little about this issue. He mentioned that there's a Feedback button at the right after you log into Fidelity. He suggested logging a complaint about the lack of a better file format to manually download transaction history. He said they go through that feedback often. He said that they have reversed changes that were made based on negative feedback from users. Maybe if they see enough complaints about this, they might do something about it. By the way, if you are looking at a 401k while in the Fidelity Investments site, you can download as CSV and QIF. Same when looking at a 401k while at the Fidelity NetBenefits site. In both cases though, it takes you to the NetBenefits site to do the QIF download. I think the NetBenefits site is much older, doesn't look like it has changed in a long time. It even mentions in the history download FAQ that you can download directly to Microsoft Money, which you haven't been able to do in about 15 years.
29 Posted by mhoggie on 03 Dec, 2025 08:26 PM
just a user,
Good Idea, I just submitted Feedback to Fidelity about the current situation.
30 Posted by dwg on 03 Dec, 2025 09:27 PM
The problem with CSV files is that the investment fields have to then include the matching action types and any mandatory fields and be structured just right, I had to go through that when dealing with Quicken's CSV files and they were wrong requiring VBA code to fix. It took quite a few iterations to get the VBA code working with the Quicken files and that was with CSV files that were basically right and inclusive of all needed data
I was then able to use an Excel Macro to export QIF files.