How to Fix QuickBooks Online Error 103: A Step-by-Step Guide

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QuickBooks Online Error 103 is a common issue that occurs when users try to log in to their bank account from QuickBooks, but the credentials entered are incorrect. This error indicates that QuickBooks cannot verify your banking details with the financial institution, leading to a failed connection.

If you're experiencing this error, don’t worry! In this guide, we’ll walk you through the causes, troubleshooting steps, and solutions to fix QuickBooks Online Error 103.

What Causes QuickBooks Online Error 103?

Error 103 usually happens due to:

Incorrect Login Credentials – The username or password entered doesn’t match your bank’s records.

Saved Credentials in QuickBooks – The stored login details in QuickBooks Online are outdated or incorrect.

Security Issues – The bank may block access due to multiple failed login attempts.

Browser Issues – Cache or cookies in the web browser might interfere with login attempts.

Bank Security Updates – Your bank may have updated its login requirements, causing QuickBooks to fail authentication.

How to Fix QuickBooks Online Error 103

Solution 1: Verify Your Bank Credentials

Open a new incognito/private browser window.

Go to your bank’s official website.

Manually enter your username and password (do not auto-fill).

If you can log in successfully, note the exact details.

Return to QuickBooks and update the login credentials.

Solution 2: Update Bank Login Details in QuickBooks

Open QuickBooks Online and go to the Banking section.

Find the affected bank account and click the Pencil icon to edit.

Select Edit sign-in info and enter the correct login details.

Click Save & Update and try reconnecting.

Solution 3: Remove and Reconnect the Bank Account

If updating the credentials doesn’t work, try disconnecting and reconnecting your bank account:

In QuickBooks Online, go to Banking > Transactions.

Select the affected account and click the Pencil icon.

Choose Edit account info and select Disconnect this account on save.

Click Save and Close and then reconnect the account with updated credentials.

Solution 4: Clear Browser Cache and Cookies

Open your browser settings.

Go to Privacy & Security > Clear browsing data.

Select Cookies, cached images, and site data and clear them.

Restart your browser and try logging into QuickBooks again.

Solution 5: Enable Multi-Factor Authentication (If Required)

Some banks require multi-factor authentication (MFA) for security. If your bank requires an OTP or security question, ensure you complete this step when reconnecting your account in QuickBooks.

Final Thoughts

QuickBooks Online Error 103 is mainly caused by incorrect login details or outdated bank information. By following the solutions above, you should be able to fix this issue and restore your bank connection.

If the error persists, consider reaching out to QuickBooks Support or your bank for further assistance.

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