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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211 Posted by webyan on 19 Dec, 2025 05:36 PM
Hi mmd,
I also manually entered my Fidelity account numbers in MD. FYI
212 Posted by sth on 19 Dec, 2025 06:56 PM
The account naming issue had me stumped, but I can change my Fidelity Nicknames to match my MD account names or vice versa. An improvement would be to be able to select an account for each downloaded account and have MD extension retain that association.
213 Posted by dtd on 19 Dec, 2025 07:00 PM
@sth - I suggested linking by account numbers which would be unique - you'd have to put the account numbers in the account number field in md, but many did that long ago.
214 Posted by mmd on 19 Dec, 2025 07:37 PM
Thanks, all for feedback!
I've added some more descriptive errors listed on the completion dialog box as well as a count of the number of duplicate/existing transactions in the CSV that were ignored.
I'll also add account number matching to my post-trip to do list.
Github code has also been updated
https://github.com/SnapEscalatorCarrousel/import_fidelity/
Thanks!
Thanks!
215 Posted by rlsantella on 19 Dec, 2025 08:51 PM
For us computer technically illiterate people would this be the process:
Add fidelity.mxt as an extension in MD.
Go to Fidelity website, In the account I want to download click "Acitivites and Orders". Click Download as CSV.
Run the extension. Presumably the extension asks me to choose the Fidelity CSV file I want to convert and upload into MD.
Is this correct? Anything else I need to know?
216 Posted by mmd on 19 Dec, 2025 09:03 PM
Everything is correct except DONT CHOOSE AN ACCOUNT on the Fidelity website. Just stay on the default all accounts view when going to the Activities tab and choosing to download CSV.
The names of the accounts in Moneydance will need to match your Fidelity account nicknames or match them plus have a “Fidelity “ at the beginning, but now with the more verbose version you should be able to at least see what names it is looking for and not finding.
On Fri, Dec 19, 2025 at 2:51 PM, rlsantella < [email blocked] > wrote:
217 Posted by zxkivyx75em8 on 19 Dec, 2025 09:05 PM
I am getting a missing meta data error on the new extension. I did uninstall the first one before trying to load.
218 Posted by -Kevin N. on 19 Dec, 2025 09:17 PM
@zxkivyx75em8,
Moneydance 2024.4 (5253)
Windows 11 Home 25H2
I cannot reproduce this behavior in the above environment.
The latest mxt works as expected.
-Kevin N. (not a member of Moneydance support)
219 Posted by Adam Barlow on 19 Dec, 2025 09:18 PM
On Fri, Dec 19, 2025 at 1:17 PM -Kevin N. <[email blocked]>
wrote:
220 Posted by mmd on 19 Dec, 2025 09:19 PM
Did you rename the new .mxt file before installing it? If so apparently that is what the missing metadata error means…
On Fri, Dec 19, 2025 at 3:05 PM, zxkivyx75em8 < [email blocked] > wrote:
221 Posted by -Kevin N. on 19 Dec, 2025 09:22 PM
@Adam Barlow,
Your message did not post to the forums. Do not use your email client to repond. Instead, return to the forums to post.
https://infinitekind.tenderapp.com/discussions/general-questions/24...
-Kevin N. (not a member of Moneydance support)
222 Posted by zxkivyx75em8 on 19 Dec, 2025 09:28 PM
@ Kevin N.
Yep, that is the version I am using and Windows 11. Did not rename other than change .zip to .mxt. Will try again. Thanks for letting me know it works for you
223 Posted by zxkivyx75em8 on 19 Dec, 2025 09:31 PM
OK, it was a problem between the chair and the keyboard. I was not paying attention and of course when I downloaded a file with the same name windows add the (1) to the name. All good now.
224 Posted by mmd on 19 Dec, 2025 09:35 PM
Ok, so I was able to add some very basic account number matching that seem to work before my trip (sorry again a new version for those who use this feature). It is likely on the slower side as it will be matched per-transaction rather than per-import (won't affect you if you're using name matching).
Also fixed version number metadata which just made MD think prior version was #0.
Updated at github also
https://github.com/SnapEscalatorCarrousel/import_fidelity
Back to packing now
225 Posted by mmd on 19 Dec, 2025 09:36 PM
Oops here is updated mxt
226 Posted by rlsantella on 19 Dec, 2025 11:11 PM
Does this extension recognize the entries that I entered manually as duplicates and not enter them again?
227 Posted by mmd on 19 Dec, 2025 11:51 PM
No, only ones it added
Goal is to err on entering too much than missing a real transaction as a duplicate
Sorry
On Fri, Dec 19, 2025 at 5:11 PM, rlsantella < [email blocked] > wrote:
228 Posted by dtd on 20 Dec, 2025 12:07 AM
@risantella - @mmd's extension uses the same methodology as MD does - it assigns a hidden value called fitid to each transaction it adds, and recognizes if a transaction it added is being added again. As @mmd says, you dont want to declare a duplicate because of similarity - maybe i did pay $1 for a coke twice today... (using a cash example) - hope that helps.
it is left up to you to say hmm that's a duplicate - best to delete the manually entered one so if there is an overlap again, the extension will see it as a duplicate.
229 Posted by mmd on 20 Dec, 2025 01:23 AM
Here's the real final pre-trip version of the extension.
With Stuart's helpful suggestions, I've cleaned up the code to look up account by number and also extended that to account name lookup code. Also made it case insensitive, hopefully it doesn't mess up anyone's lookups if you're somehow using upper and lowercase to distinguish different accounts
Github also updated:
https://github.com/SnapEscalatorCarrousel/import_fidelity
230 Posted by sth on 20 Dec, 2025 03:58 AM
@Stuart B, @mmd,
You asked about adding other actions to map to the MD action. Here are two I ran across;
FEE CHARGED ORANGE-SPON ADR (ORANY) (Cash)
FOREIGN TAX PAID ORANGE-SPON ADR (ORANY) (Cash)
I would map anything with "FEE CHARGED" or "TAX PAID" in the Fidelity Action, to the MD action of "MiscExp"
231 Posted by dtd on 20 Dec, 2025 05:23 AM
Some more text action steps and the md equivalent:
NORMAL DISTR PARTIAL ED84539189 /WEB (Cash) --- XFR. (ira distribution)
REGULATORY FEE ADJ (Cash) ----- DIV. (cash, eventually swept to spaax)
IN LIEU OF FRX SHARE DIAGEO ADR REP 4 ORD (DEO) (Cash) ---- SELL
FEE CHARGED as of Oct-17-2023 DIAGEO ADR REP 4 ORD (DEO) (Cash) ---- XFR
COMMISSION CREDIT (Cash) --- XFR
Obviously grab pertinent words as there are many of these with slightly different text.
Note TRANSFER OF ASSETS ACAT DELIVER is different than same text with RECEIVE... it's confusing still trying to figure the correct action... since you transfer the SHARES which shows cash at present, but you want a pretend transfer at cost basis and a purchase of the share amount at cost basis, probably just accept as is in the file and adjust it by hand for cost basis.
TRANSFER OF ASSETS ACAT DELIVER SOUTHERN CO (SO) (Cash) --- SELL/XFR? (in md this is the fake sell cash moving out of fidelity)
TRANSFER OF ASSETS ACAT RECEIVE FORD MTR CO DEL COM (F) (Cash) --- BUY/XFR? (in MD this is the fake buy into fidelity at asset value)
232 Posted by jeffstified on 20 Dec, 2025 03:58 PM
Great work!
Here's another action that doesn't process correctly:
12/01/2025,"Fidelity","ZXXXXXXXX","TRANSFERRED TO VS ZXX-XXXXXX REDEMPTION (Cash)", ,"No Description",Cash,,0.000,,,,-50,
It's a cash transfer between Fidelity accounts. It comes in with a $0 amount because it gets an action of SELL, but there's no ticker symbol.
233 Posted by chonyid on 20 Dec, 2025 10:17 PM
Hi. I tried the extension today. Having looked at the csv file, there didn't seem to be much hope of parsing it and getting all the necessary info, especially for buy, sell, and reinvest transactions. But I was pleasantly surprised at how the extension was able to sort the transactions into the proper accounts (after matching names between fidelity and MD), and how even purchases and reinvested dividends were imported. It did confuse some dividend with long or short term cap gains, and I had to fix categories for some transactions that were NT vs not NT, but overall, it works pretty well. Certainly much easier than manually entering all the transactions. Thanks a lot to those of you working on the extension.
234 Posted by CSS on 20 Dec, 2025 10:30 PM
Wow, thank you for all the work that went into this extension.
My download has an additional action that I think would be somewhat common:
INTEREST (Income string)
Presumably less common: I have an HSA, with a debit card that can be used for qualified purchases (essentially a withdrawal). DEBIT CARD PURCHASES seem to be best handled with a MD action of Xfr (which is what the Fidelity download used to set them to). I've tried both Sell and SellXfr, with this extension, and neither brings in the amount of the 'purchase'/withdrawal. Xfr isn't in the list of transaction type strings so I couldn't try that out.
Any thoughts on how I can get the amount to import?
235 Posted by holden on 20 Dec, 2025 11:29 PM
This works perfectly for me with one exception. Since my spouse and I have the same employer, our NetBenefits 401k accounts actually have the same account number when we download the csv files (corner case example where account numbers aren't unique). I'm getting around this by renaming one of the accounts to match MD and using the account number (actually the employer's plan number) for the other - a minor issue that probably won't impact many folks.
THANK YOU to @mmd and @StartB! Still keeping fingers crossed for a native MD/Fidelity solution, but this is an incredible resource in the interim.
236 Posted by David Greene on 21 Dec, 2025 12:08 AM
I find this extension works excellent for me. I suppose I should
save the original file in a safe place as I am worried when/if MD does
an upgrade, it might overwrite it? That would be awful. I got
something now that works and don't want to lose it! Thanks again to all
who worked on this.
On 12/20/25 5:29 PM, holden wrote:
237 Posted by dtd on 21 Dec, 2025 01:18 AM
.
238 Posted by dwg on 21 Dec, 2025 01:23 AM
It is often wise to save what you use.
That being said any updates to Moneydance itself has no effect on extensions. User provided Extensions are always managed separately.
239 Posted by sth on 22 Dec, 2025 12:52 AM
Downloadedand installed V3 of the extension. But now I get warning that they are duplicate transactions and there are duplicate account numbers. So both transactions are ignored.
I am fairly sure and checked that I have entered a different account number for each account at Fidelity. In addition I have nick named the accounts at fidelity to match the MD names. This worked with V1 of the extension.
The only weird thing is that Fidelity is listing these transactions as 12/22 which is tomorrow in my EST time zone.
240 Posted by dtd on 22 Dec, 2025 01:51 AM
what does the csv look like other than 12/22 - any clues to the account number issue? also were these entered already (to explain duplicates?
you can probably look at the py code to determine the issue, or i will if you wish. you can send me the csv privately....