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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31 Posted by wuhl756 on 04 Dec, 2025 01:33 AM
OMG, +3 for @Henry_Sully's comment. I've been using MD for YEARS after MS Money went dark, and I track 7 Fidelity accounts with it (and 1 Vanguard account). Almost daily transactions. I was wiling to download QIF files every month for the Vanguard account, but apparently that's not an option for Fidelity and I'm not savvy enough to somehow convert and import CSV files. This is a deal-breaker for me, very sad after years of figuring out the quirks of MD and MD+ etc.
From review of the Fidelity website on this issue it appears that Fidelity is committed to using "Fidelity Access," and there is no point in complaining.
Quicken's website says that EWC and EWC+ works with Quicken, and Fidelity still has instructions for downloading to Quicken. Does this mean that my only option is to start using Quicken?
32 Posted by dtd on 04 Dec, 2025 01:53 AM
@wuhl756 - So, given you blame Moneydance for Fidelity's OFX shutdown, where do you plan to go? Best I can tell, Quicken was the only big player that Fidelity was willing to work with. Maybe you can find some package working with Akoya, but they will have to add that cost to their product. Note that it took months for Quicken to change the Fidelity access, and the interim was a big pain, (read quicken forums) and Fidelity would love it if you did what they require. Good luck in wherever you go. Report back on what you successfully end up with.
33 Posted by dwg on 04 Dec, 2025 02:09 AM
Fidelity's statements are rather self serving. They make no reference to the fact they could have implemented token based access to the data, thus no passwords or usernames exposed.
Pretty typical of the institutions.
With fund where I am you either make do with whatever website tools there are or you can download a very simplistic CSV file, with directly owned shares you can download PDFs of the contract notes (buys and sells) and PDFs of the dividend statement advices and that is it.
34 Posted by dtd on 04 Dec, 2025 04:07 AM
re Fidelity Access - knew the answers but had to ask:
Hello and thank you for contacting Fidelity Investments. My name is Craig in Client Services. How are you doing this evening?
How do i access fidelit access to grant permission to a third party? faqs do not say and last live agent didnt understand my request and sent wrong info
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I’m fine
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Craig
It sounds like you are looking to assign someone as an authorized individual on the account. To do that, go to "Accounts & Trade" > "Account Features" > "Authorized Users"
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nope.
that’s what other agent thought.
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Craig
Okay, tell me more about what you're looking to have happen.
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i want to use the new fidelity access to grant third party permissions - you shut down the previous way to do that (software app, aggregator)
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Craig
Okay. Let me look into this. Please give me a moment.
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ok
do i have to ping every once in a while, or will i stay connected?
ping
ping
ping
ping
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Craig
I'm still here and still looking into your question.
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thank you. i will ping once a minute to not get disconnect, but i understand the wait
ping
ping
ping
ping
ping
ping
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Craig
Thank you for your patience as I was looking into this. Looks like it the authorization process starts when you indicate that you want to add Fidelity accounts to an external application or website. It will have you complete the authorization process on Fidelity controlled pages and then return you to the external website or application.
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so where do i access that?
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Craig
As an example if you are on your bank's website and you want to add the ability to see your Fidelity accounts on that website, you would go through their process of adding your Fidelity accounts to that site and as part of the process of doing their steps the Fidelity Access steps will happen as part of that setup.
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so what software and/or aggregators support fidelity access - many got shut down on the old method so i have to find a new third party that supports fidelity access
i.e a list?
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Craig
Checking my resources, there is not a list of software and/or aggregators that support Fidelity Access.
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so i have to seek and find? quite a bit of work....
akoya? probably
quicken we use ewc+ it sort of works
plaid? nope
software a, b, c or d - who knows?
fidelity shut down the old with no notice on nov 28, and no help on who to go to
not good
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Craig
Our Electronic Channel Support team may know more. They are in Monday through Friday from 8:30 a.m. to 9:00 p.m. ET. Those hours are both their chat and phone hours. Their number to call is 800-544-7595.
I’ll give it a shot, would have been nice to have been informed than this seek and find even with fidelity itself
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Craig
I'm sorry I do not have more information.
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how do i chat with them specifically?
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Craig
When first starting the chat, I don't know that there is a way to specifically start with them right away, but once you do start the chat you can ask to transferred to them.
*ask to be transferred*
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ok, thanks. I’ve been on with you and max long enough, i could have asked the first time had i known, before 9pm, but that’s not your fault
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Craig
You're welcome. Thank you for contacting Fidelity. Have a great night.
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have a good evening.
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Craig
Thank you.
35 Posted by mhoggie on 04 Dec, 2025 06:59 AM
just a user,
Remember the goal of any help desk agent is to find a way to refer you to another group or end your call. They still get the credit for a call handled even though the issue has not been resolved.
Craig did his job well.
36 Posted by jk on 04 Dec, 2025 02:33 PM
Well this really sucks. For those that are pointing the finger solely at Fidelity or other institutions, my question is "what good is MD if all of the institutions are shifting to similar data portals"? At what point does MD just become obsolete if it can't actually work with the big institutions?
37 Posted by David L Greene on 04 Dec, 2025 02:37 PM
Given the size of Fidelity, I have got to assume MD will eventually give us a workaround or an alternative connection. I would assume a large customer base is represented by Fidelity customers... I hope anyway. Fidelity just did this and my complaint to my Fidelity rep was 'it would have been nice to get a heads-up this was coming'!! I am sure MD had no warning either....
38 Posted by jk on 04 Dec, 2025 05:22 PM
@David L Greene. I have been through this before with other institutions doing the same thing. It does not get "fixed". Fidelity was one of my last major institutions that still played nice with MD through online updating.
But here's the kicker. I have a visa card through Fidelity that wouldn't update through the online method. I have to download manually, but they allow a download as a QFX file, and so it's not that bad. Just an extra step.
But now Fidelity is only giving broker and IRA account downloads as a CSV file, which is essentially worthless. Everyone witih a Fidelity account should be giving feedback to ask them to at least allow a manual download of a QFX file for each account activity.
39 Posted by sztupg on 04 Dec, 2025 05:41 PM
Looks like none of the custom CSV importers support importing security (stocks, ETFs) transactions. Does anyone know why?
I will look into this weekend what it would take to create a small Fidelity CSV importer add-on for MD as a temporary solution (or modify the existing ones if those are open source to support securities). Did anyone else experimented with this, I assume there is some extra complexity with importing stock transactions and that is why none of the existing external add-ons support it.
Actually, probably a chatgpt generated python script would do to convert the Fidelity CSV to qif file as a short term temporary solution. I will play with it later today.
40 Posted by -Kevin N. on 04 Dec, 2025 05:58 PM
@sztupg,
Here's a link to the CSV Importer extension developer's Github:
https://github.com/stant/mdcsvimporter2015
-Kevin N. (not a member of Moneydance support)
41 Posted by David L Greene on 04 Dec, 2025 06:10 PM
I download my cash management account as csv then import. Hopefully that doesn’t change. Technically that is not a real bank, classed as brokerage, hopefully doesn’t change
On Thu, Dec 4, 2025, at 11:23 AM, jk wrote:
42 Posted by dtd on 04 Dec, 2025 10:03 PM
MD does work with the big institutions - that's why MD+ was created to access Plaid. It just so happens Fidelity mostly refuses to work with aggregators/software if they don't pay Fidelity and mostly supports Akoya, which they partially own.
As for eventually supporting Fidelity somehow, probably so, but Quicken who is big enough to get Fidelity to pay attention, took months to change things. MD had zero days to react, but did know this day might come. "CSV to investments" is the obvious first answer, but the reason you can't find ANY converters to do so (except maybe icreateofx which is one-by-one tailored) is that each and every institution has to be done individually since OFX/QFX has a standard, but CSV has no standard except fitting into excel spreadsheets. Yes you can do each institution individually but that is time consuming for anyone. And it won't "pay out" for the effort. Probably MD or someone here will eventually develop something, or the csv importer can be modified to do fidelity, but it won't happen immediately.
43 Posted by dtd on 04 Dec, 2025 10:12 PM
And I do have a definite interest - Fidelity is one of my 3 investment institutions.
44 Posted by ScottA on 04 Dec, 2025 10:31 PM
I think a more reasonable ask is to expand the existing CSV mapping functionality to include investment accounts. I can already tell MD which column in an imported CSV is Date, Check #, Description, etc. It's conceivable that MD could be enhanced to let me do the same for Action, Security, Shares, etc.
But really, considering the market share of the big four brokerages (in the US at least), individual solutions for certain institutions doesn't seem that crazy.
45 Posted by David L Greene on 04 Dec, 2025 10:35 PM
i would gladly pay a fee for the Fidelity CSV to be produced (as long as it is separate, already using 'CSV Importer' for other accounts, would hope that would be a standalone 'Fidelity Extension'). NOTE: Not enjoying using excel to create 'summary entries' or manually entering buys/sells. lol
On Thu, Dec 4, 2025, at 4:03 PM, dtd wrote:
46 Posted by dtd on 04 Dec, 2025 10:52 PM
@scotta - enhancing the CSV importers would be my first go-to as well.
47 Posted by mhoggie on 04 Dec, 2025 11:08 PM
just a user,
Here is the investment CSV field headers for my Fidelity account. I don't see why an expanded CSV MD import wouldn't work. Just need to reconfigure the current CVS import extension to add the addition fields.
48 Posted by wuhl756 on 04 Dec, 2025 11:08 PM
I called the Fidelity number given above for Electronic Support Team but was sent to a regular agent. I explained that I was trying to get help with downloading transactions to MD and I wanted to speak to EST. He put me on hold and came back to say that EST did not have any information about connecting to MD, but he would collect feedback. My feedback was that if Fidelity is not going to change its system to allow apps like MD to access transactions, can they at least make downloads available in QIF or QFX format, like Vanguard does? (I figured any mention of their main competitor might help.) He said that he would forward my feedback and then gave me another "direct number" for the EST, (800) 453-3332.
That number was also answered by a screening agent, but she was willing to actually transfer me to an EST team member! That person clearly understood the issue and acknowledged that it is unlikely that Fidelity will backtrack on Fidelity Access. I mentioned that even Quicken is having issues with this, which she acknowledged although she said Quicken had just released an update that also caused problems. She suggested a "workaround" of downloading and importing a CSV file, but I explained to her that that's not really helpful because the CSV data does not map to MD software, but that a QIF/QFX file (like Vanguard does) would be a decent workaround. She understood and said many customers are requesting this, and she would add my voice to the feedback.
49 Posted by Stuart Beesley ... on 04 Dec, 2025 11:23 PM
To chip in... Yes of course a CSV importer could be written to handle investment accounts.. It's just more complicated than a normal register txn.. In essence the importer would have to understand all the action types (e.g. buy/sell/div), know how to map those in MD, and also to know how to handle the various qty, price, fee, fields. In addition it would have to handle security look ups and associate these to the txn. It's all doable, but I would suggest you would need an understanding of the MD API/data model etc.
BUT - surely it would be far better to create something that maps these CSVs into OFX format as MD already understands these... If I was writing a 'thing' to do this, that's how I would do it.. (i.e. read csv, convert to OFX, trigger MD's import of this format)...
It's all possible - you just need someone willing to do it...
50 Posted by dwg on 04 Dec, 2025 11:55 PM
Simpler to write QIF format I would have said, and as you do not have any transaction IDs I do not see that OFX provides and advantages for the extra complexity.
Still as Stuart said you need someone willing to do it and unless the data provided by Fidelity is the same as other institutions provide it becomes a one off solution.
51 Posted by mhoggie on 05 Dec, 2025 02:00 AM
just a user,
I converted a Fidelity CSV file to QIF using the ICreateOFX app then imported the QIF file into a copy of my MD Fidelity account. The stocks, values, and quantities populated OK, but the Security Name and Symbols were messed up. QIF might be a bit troublesome with investment transactions.
Support Staff 52 Posted by Maddy on 05 Dec, 2025 10:50 AM
@All
Our connection specialist is in direct coordination with Fidelity to work toward a resolution. We will provide further updates as soon as additional details become available.
--
Maddy, Infinite Kind Support
53 Posted by wrusry on 05 Dec, 2025 05:47 PM
Thanks, Maddy! That is good to hear.
54 Posted by sztupg on 05 Dec, 2025 05:50 PM
Thank you very much for the update!
As a very short term, very temporary solution, IMO the CSV->OFX and OFX->MD path is better because OFX is just better for importing investment transactions into MD. I created a py script which converts the Fidelity brokerage CSV into the minimum OFX field MD needs to be able to import brokerage transactions. I will share it on GitHub with instructions after some clean up.
55 Posted by jehrler on 05 Dec, 2025 08:24 PM
In the meantime I wanted to disable the online connection for all my Fidelity Brokerage accounts. I was able to do that for 8 of the accounts but for 2 of them, even when I choose disable in the setup window, they remain active.
Is there some trick I need to know or can use to turn off online connection for these two accounts?
I've included screenshots showing the confirmation dialog to disable online banking (which worked for 8 accounts) and the online password dialog that pops up for the 2 problematic accounts (even after confirming disabling online banking) when I download all accounts.
56 Posted by zxkivyx75em8 on 05 Dec, 2025 10:14 PM
Just a user
After trying a lot of the converters I stumbled on to ImportQIF at https://www.quicknperlwiz.com/
It took a little playing around to get is right, but I was able to get it working for the most part. Until maybe someone find a permanent fix.
The web site says it is for importing into Quicken, but it is working just fine importing the generated QIF file into MD.
57 Posted by dwg on 05 Dec, 2025 10:56 PM
There is a published QIF specification that Moneydance follows so I am not surprised that it works.
Something to note is that Moneydance only has a subset of the full list of Action types.
The possible Action types are:
Additionally you can map some more actions to existing Moneydance actions as follows
General Action Moneydance Action Moneydance Category
CGLong Div Capital Gains:Long
CGMid Div Capital Gains:Mid
CGShrt Div Capital Gains:Short
ReinvLg DivReinvest Capital Gains:Long
ReinvMd DivReinvest Capital Gains:Mid
ReinvSh DivReinvest Capital Gains:Short
IntInc Div Interest Income
IntIncX DivXfr Interest Income
ReinvInt DivReinvest Interest Income
MargInt MiscExp Margin Interest
Aplogies about the formatting, Tender is stripping it out of the post.
58 Posted by Moneydance Hall on 06 Dec, 2025 02:52 PM
It's not over yet...
"To enhance the protection of your account data, Fidelity has established a secure connection that better controls how third-party websites and apps that you've authorized, and the data aggregators they use, connect to your accounts. Fidelity is requiring these data aggregators to transition to this secure connection."
59 Posted by sztupg on 06 Dec, 2025 04:23 PM
This is a temporary py script which converts a Fidelity CSV to a very minimal OFX which can be imported into MD. It only supports BUY/SELL and DIV (as MiscInc) .
60 Posted by mhoggie on 06 Dec, 2025 05:25 PM
just a user, as always,
I have found the answer for myself to resolve my Fidelity download crisis.
I've been playing around with iCreateOFX (windows 10) for several days now and working with Phillip Katete who I believe is the programmer. He modified the Fidelity US script (the Green Fidelity button) to 2.0.0.5 (click download to choose new script) and after resolving a few issues with some security glitches in Moneydance, everything is good.
You just download the Fidelity CSV file, Run iCreateOFX, click the green Fidelity US button, and select your CSV file to process. After iCreateOFX processes the file, populate the Account Number field with a simple name (it will be presented to MD when importing to select the MD acct), save OFX to your favorite folder. Click the new OFX file and MD will ask which account to import it to. Other than first time matching the securities in MD if its a new MD account, the OFX imports and MD is updated seemly just like the previously discontinued Fidelity direct connect process.
Works good for me and a licensed version of iCreateOFX is only $14 with a free 30 day trial. Give it a shot, works good, and Phillip is very responsive to deal with our Fidelity problems. His contact email is on the application help window. I'm sure there are probably some more minor issues that I haven't seen yet.
Phillip was able to fix the Fidelity Transfer transaction that is shown as Journal Cash in iCreateOFX and gave me the option to define the transaction as a cash income entry in MD. He also figured our that a security corruption issue in MD was causing MISCINC to not populate the security field. It's all good for me now..
Here is the link to download. You want the iCreateOFX Investment program.
https://icreateofx.com/
I'm happy now.
Mike