Hello there, claire27.
With your QuickBooks Online (QBO) account, you can import your downloaded Netbank Business Secure transactions using the right format. The system accepts the Excel CSV (comma-separated values) file.
Additionally, QBO can import CSV files that use either a 3-column or 4-column format. To successfully perform the process, you can refer to this article for the formatting guidelines: Import bank transactions using Excel CSV files.
On the other hand, regarding the downloaded format for Netbank Business Secure with token, I'd recommend contacting them to further assist you on how to execute the process.
Moreover, I'm adding this article that contains the complete list of most viewed and recent topics about QuickBooks: Q & A for QuickBooks Online. The topics are about VAT, banking, and importing or exporting data to name a few.
Please let me know if you have other concerns. I'm just around to help.