David,

I'll have to test it to get to bottom of that mystery -- it is easy enough -- 
but I vaguely recall able to do that and exploiting it during bulk imports. 
I'll grant that it was in 3.x version when I migrated back in 2020 so likely 
things may have changed since then and I might have discovered a short lived 
bug that might have gotten abused, or I used some other flow and conflating 
them.


-----Original Message-----
From: David Cousens <[email protected]> 
Sent: Monday, March 09, 2026 10:12 PM
To: Kalpesh Patel <[email protected]>; 'Byron Bray' 
<[email protected]>; [email protected]
Subject: Re: [GNC] Banking Account - Imported QIF data and Opening Balances



Kalpesh,

If you don't complete the import the matching data and the frequency data for 
the probability calculation is not saved.  I have often thought it would be 
good to be able to use the existing data in the file to train/retrain the 
matcheralthough that is of little use for a new file.

David

On Mon, 2026-03-09 at 21:17 -0400, Kalpesh Patel wrote:
> Byron -
> 
> 1 - The short answer is no. Reconciliation has no effect on matcher.
> Only previously encountered transactions and its disposition is 
> memorialized for next time. The matcher is also imprecise because 
> multiple variables are involved so it getting 100% right is very 
> remote in a bulk import. Matcher may minimize how much labor of clicks 
> you will have to do, but you will still have to review each and every 
> transactions in the matcher validation window after the import to make 
> sure that it makes it to correct second leg of the transaction. BTW, 
> there was a very good insight few weeks back as to how matcher works 
> so if you are interested in in-depth details then search the archives 
> of the list.
> 
> 2 - Once you export into QIF file from Quicken, open up the file in 
> your favorite text editor and look for 'CR' string on a line by 
> itself. There should be one for each transaction that is reconciled.
> Remove that line in its entirety from the entire file so when 
> importing those transactions it won't overwrite reconciled setting in 
> gnucash. Do make sure you also set 'Not cleared' preference flag 
> setting underneath 'Default transaction status' text in 'Edit' --> 
> 'Preferences' --> 'Import' setting page before importing.
> 
> 3 - You can create the top most accounts manually and then let the 
> gnucash create other account during import. You can always rename, 
> move, consolidate and re-parent account somewhere else so don’t get 
> too much hung up on getting tree set up correctly;  in gnucash it is 
> way-way easier to move all transactions from an account. Create the 
> critical accounts manually so you know where they are and be able to 
> specify them during import match validation to assign if matcher 
> didn't match them correctly. Worse case is move Quicken on left half 
> of the screen and gnucash on the right half of the screen. Then use 
> cut-&-paste facility of the MS Windows to copy name of the critical 
> account from left half to right half.
> 
> 
> The key, though, to remember here is that *categories in Quicken* will 
> end up being same named *accounts in gnucash* when importing.
> Anything other than pre-created accounts for Quicken transfers, you 
> will end up telling the importer to create those categories into 
> account in the import matcher. By pre-creating your critical accounts, 
> and importing small number of repeated transactions, it will train the 
> matcher to match bulk of it as possible and improve itself. However, 
> the ones that are not matched properly, you still will have to guide 
> the matcher to the proper ones from the pre- created accounts. 
> Whatever you do, do *not* import more than one accounts at a time. The 
> reason is that once you import the large account (which creates all 
> necessary account in gnucash), the majority of the transactions from 
> the smaller account should be nothing but second leg against the 
> larger account that were already imported, so matcher should be able 
> to do better job matching --  and the ones it doesn't you can guide it 
> to tell it what the match should be for next time while minimizing how 
> much you do so manually.
> Essentially goal is breaking import into three camps to get 
> transactions into gnucash intact in any which way you can: one large 
> camp that you will import as-is; second camp is you will manually 
> tweak to match; and third camp is to chip at the second camp by 
> letting matcher do the work by breaking up imports in batches and 
> training.
> 
> I vaguely recall that you can train the matcher without importing 
> transactions by doing all the steps of the import except the last step 
> of the actual import and canceling it. But I am not too sure of it at 
> this point, though.
> 
> HTH
> 
> -----Original Message-----
> From: Byron Bray <[email protected]>
> Sent: Sunday, March 08, 2026 8:42 PM
> To: [email protected]
> Subject: Re: [GNC] Banking Account - Imported QIF data and Opening 
> Balances
> 
> Kalpesh,
> 
> Thanks for those observations; they add some welcome perspective … 
> and, of course, stimulate more ideas and questions.
> 
> 1 - I didn’t realize that transfers might be the a source of problems; 
> I assumed that all transactions for a given account would be imported 
> and that the matcher would match them up when the corresponding 
> accounts (with transfers to/from) were imported. I’ve only read about 
> the matcher, so far, and have concentrated on only one bank account 
> (the business account; the most critical), so your perspective is most 
> helpful. Is there any benefit to importing the accounts with transfers 
> between them at the same time and then reconciling? Would that 
> mitigate this behavior?
> 
> 2 - I did not know that QIF files could be edited with a text editor; 
> silly man that I am (and with a good deal of database programming 
> background that involved text-file parsing and processing) somehow it 
> never occurred to me to crack one open and look. I would very much 
> appreciate any advice that you would care to offer. I’ve been going 
> through the “Previous Statements” window in Quicken and un- 
> reconciling month by month but that is tedious and there are quite a 
> few accounts to process and import. My Quicken file contains all of my 
> financial activity going back a good 25 years but I only want to move 
> records for the last 7 to 10 years into Quicken (basically 
> audit-proofing myself).
> 
> 3 - With regard to account tree creation, I had come to the same 
> conclusion; again, tedious but probably necessary. I tried exporting 
> just “accounts” in the Quicken export window but the accounts in 
> GnuCash were empty after importing. I’ll keep tinkering with it.
> 
> You suggested choosing a date after which transactions were of current 
> importance and importing from there, leaving Quicken in place for 
> consultation of older data. I will do that, using the 7-10 year 
> timeframe suggested above. My versions of Quicken is, of course, 32- 
> bit but the OS version on my new machine is 64-bit only; hence the 
> need for the move to GnuCash in the first place. But I can keep my 
> older machine around to house the 32-bit version for historical 
> queries. I may well follow your path by constructing the account tree 
> manually and then, as you, Liz and others have suggested, importing a 
> few months at a time, saving a version of the GnuCash file each time.
> The part should be easy as the MacOS’ Time Machine does saves on 
> hourly, daily, weekly and monthly bases.
> 
> Again, Kalpesh, thanks for that information and insight and many 
> thanks to all of you who have offered so much good information and 
> advice. I very much appreciate it.
> 
> - Byron
> 
> ================
> 
> 
> > On Mar 3, 2026, at 2:44 PM, Kalpesh Patel <[email protected]>
> > wrote:
> > 
> > Byron: 
> > 
> > You are correct in what you stated below.
> > 
> > Couple of additional suggestions ...
> > 
> > 1- If there are transfers in Quicken (say between bank account to a 
> > bank account) then those are the types of transactions that are 
> > likely to error during import. When I imported almost 3 decades of 
> > transactions in thousands, transfers of these type where the most 
> > pain (besides the brokerage accounts).
> > 
> > 2 - Assuming you are importing QIF format from Quicken to GNUCASH, 
> > you can hand edit the QIF file before importing  to remove the 
> > reconcile flag with any editor's search and replace operation. QIF 
> > files are in plain text. Let me know if you need these details on 
> > what to remove.
> > 
> > 3 - You may have to create the Quicken Account in GNUCASH manually 
> > if the import of just the account tree from Quicken is not working.
> > 
> > By any chance are you using year end copies for your Quicken books?
> > Sounds like no.
> > 
> > The other suggestion I can make is that if the prior transactions in 
> > Quicken are not that important than you can start afresh with 
> > closing balance of Quicken as the Opening balance of GNUCASH and go 
> > forward from there on. You can keep Quicken around to consult for 
> > old transactions if need be. This only can be done if it is 2017 or 
> > prior version, though, as Quicken really insist on you paying them 
> > their due homage after that version. You can do year end copies and 
> > then start a fresh for the following year in GnuCash.
> > 
> > Reconciling imported transactions is multi-month effort and even 
> > then it is trial-and-error basis. I am still doing clean up now- 
> > and-then from when I imported back in 2020, and I had few 
> > transaction that would refuse to import so had to hunt in the QIF 
> > file using plain text editor. Nonetheless, it is best conquered in 
> > pieces as GNUCASH isn't designed to be able to import everything 
> > correctly in one fell swoop. It is not because GNUCASH is bad but it 
> > because QIF format is imprecise so it has to be helped to clarify 
> > things. As I stated earlier, I ultimately ended up importing in 
> > batches few months of transactions from one account at a time after 
> > creating the account tree first. As others have mentioned, when you 
> > are at the right place -- the balances are correct, and it 
> > reconciles correctly -- make a backup of the file before moving onto 
> > the next batch of import so that you don’t have to start from 
> > scratch.
> > 
> > HTH.
> > 
> > -----Original Message-----
> > From: Byron Bray <[email protected]>
> > Sent: Monday, March 02, 2026 8:10 PM
> > To: [email protected]
> > Subject: Re: [GNC] Banking Account - Imported QIF data and Opening 
> > Balances
> > 
> > 
> > Kalpesh,
> > 
> > Thank you! It is not too late. I had just finished un-reconciling 
> > the main account (my business account) in a copy of my QIF file, 
> > going back to 2020.
> > 
> > > 1) It allows you to review in small batches to make sure that 
> > > import is correct and reconcile them before importing next batch
> > 
> > I was just about to try that but will heed your advice and do a few 
> > months at a time.
> > 
> > > 2) It also helps trains the matcher algorithm and lesson the 
> > > effort if there are any re-import of the same transactions.
> > 
> > I was unaware of the Bayesian matcher algorithm but some research 
> > has been enlightening; thanks for mentioning that.
> > 
> > > Are you importing multiple accounts at a time or one account at a 
> > > time? If you are doing multiple account at a time then you want to 
> > > start first with bringing just the account tree and then starting 
> > > with importing largest account first moving down to smaller ones 
> > > for matcher to match them up as the second leg that might be in 
> > > the largest account for transfers.
> > 
> > 
> > Thank you, thank you, thank you! I was unaware of (and had wondered
> > about) GnuCash’s ability to handle the many account transfers in my 
> > data. I had tried to export just the account structure from Quicken, 
> > but found that that did not produce any result whatever.
> > Unless GnuCash can match them in subsequent imports automatically, I 
> > expect that I would need to:
> > 1) Import the business account transactions and their associated 
> > accounts and then
> > 2) Manually construct any additional accounts in gnu cash, and then
> > 3) Use the matching phase of the import process to match the quicken 
> > account transfer to the appropriate gnu cash account.
> > 
> > Please correct me if I am wrong in any particular.
> > 
> > Many thanks,
> > 
> > - Byron
> > 
> > =====================
> > 
> > > On Mar 2, 2026, at 1:39 PM, Kalpesh Patel <[email protected]>
> > > wrote:
> > > 
> > > I am not sure if this is too late or not but recommendation is to 
> > > import limited se of transactions at a time (perhaps 1 to 3 months 
> > > at a time depending on number of transactions) for few
> > > reasons:
> > > 
> > > 1) It allows you to review in small batches to make sure that 
> > > import is correct and reconcile them before importing next batch 
> > > which can help you flag down import error which is going to be in 
> > > the non-reconciled transactions. It is a lot easier to flag down 
> > > an errant import entry in a small set of transactions then all in 
> > > one fell swoop.
> > > 
> > > 2) It also helps trains the matcher algorithm and lesson the 
> > > effort if there are any re-import of the same transactions.
> > > 
> > > Are you importing multiple accounts at a time or one account at a 
> > > time? If you are doing multiple account at a time then you want to 
> > > start first with bringing just the account tree and then starting 
> > > with importing largest account first moving down to smaller ones 
> > > for matcher to match them up as the second leg that might be in 
> > > the largest account for transfers. Keep in mind that in Quicken 
> > > Categories are Accounts in GNUCash so you have to have them setup 
> > > before importing if you have transfers in Quicken, and are likely 
> > > to error when you bring them over.
> > > 
> > > Worth case scenario is to reconcile month by month which will help 
> > > narrow down where the transactions might have been imported 
> > > incorrectly. You can always reconcile same set of time periods in 
> > > GNUCash without any adverse impact.
> > > 
> > > HTH to get your account reconciled.
> > > 
> > > -----Original Message-----
> > > From: Byron Bray <[email protected]>
> > > Sent: Sunday, March 01, 2026 8:46 PM
> > > To: [email protected]
> > > Subject: [GNC] Banking Account - Imported QIF data and Opening 
> > > Balances
> > > 
> > > Friends,
> > > 
> > > I need some guidance as to the proper setup and handing of banking 
> > > accounts (at least) in GnuCash. I have spent the better part of 
> > > two days, read dozens of postings to the GnuCash lists and watched 
> > > dozens of videos, trying to resolve the issue I am seeing but, 
> > > bright as I like to think I am, I am clearly missing something; it 
> > > is my hope that you can help me.
> > > 
> > > I am trying to shift my accounting data from Quicken to GnuCash.
> > > My operating environment:
> > > Computer: Mac Pro (2019)
> > > OS Version: MacOS 15 (Sequoia)
> > > GnuCash version: Version: 5.14 Build ID: 5.14+(2025-12-20)
> > > 
> > > I imported a Quicken QIF bank account, after making sure that the 
> > > account was accurately reconciled for the period of the import.
> > > Having completed the import, the Reconciliation window reported a 
> > > Starting Balance, Reconciled Balance and Difference of almost 
> > > $1,000. I had read that the way to overcome this was to simply 
> > > enter an opening balance transaction in Equities and reconcile the 
> > > first month, entering the accurate Ending Balance and performing 
> > > the reconciliation; subsequent months should, I read, display the 
> > > correct information.
> > > 
> > > I created an “Opening Balance” transaction to take place on the 
> > > last day of the month prior to the imported data, entering the 
> > > balance as of that date and linking it to “Equities:Opening 
> > > Balances”. I entered the Reconcile window, set it for that 
> > > previous month, made sure the “Ending Balance” was correct and 
> > > checked the box for that “Opening Balance” transaction. The 
> > > “Finish” button was disabled because it didn’t take into effect 
> > > the erroneous ≈$1,000 Starting Balance.
> > > 
> > > Then, I created a balancing transaction and dated it the month 
> > > before the first transaction in the imported data and attempted to 
> > > reconcile that month. This time it DID enable the Finish button 
> > > and completed the reconcile. When I opened the Reconcile window 
> > > for the following month (the first imported month), the window for 
> > > the following month reported that the Starting Balance, the Ending 
> > > Balance, the Reconciled Balance and the Difference were all $0.00 
> > > … which was just what one would expect.
> > > The only problem is that the running balance for the entire 
> > > account, as shown in the register, is almost $1,000 less than the 
> > > actual balance.
> > > 
> > > I’m hopeful that you know a better solution than this but at this 
> > > point, the only way I can see to arrive at a ledger whose balance 
> > > and reconciliation data are accurate is to go back to Quicken, 
> > > un-reconcile all of the thousands of transactions in this account, 
> > > export the data, import it into GnuCash and then reconcile them 
> > > all again. I fervently hope that there is a better solution than 
> > > this.
> > > 
> > > Any advice you can give me would be gratefully received and 
> > > carefully considered. Whether you can suggest a solution or not, I 
> > > want to thank you, in advance, for your time and energy.
> > > 
> > 
> > 
> > 
> 
> 
> 
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