No mention of how open banking works outside of the US, where (in the UK) bank transfers are basically instantaneous and free, and I can happily retrieve my payments list to my budgeting app.
and I can happily retrieve my payments list to my budgeting app
Is this a UK thing? I've been searching for something like Mint/Quicken in the EU and haven't found anything worthwhile because there doesn't seem to be a standard for budgeting apps to connect to banks.
Open banking does that but it needs to be a provider.
Some banks let you download in formats that let you then import into something. I have imported a lot into Gnucash from a downloaded file but its not smooth or complete (narrative needed fixing).
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No mention of how open banking works outside of the US, where (in the UK) bank transfers are basically instantaneous and free, and I can happily retrieve my payments list to my budgeting app.
Is this a UK thing? I've been searching for something like Mint/Quicken in the EU and haven't found anything worthwhile because there doesn't seem to be a standard for budgeting apps to connect to banks.
Yes, there is Open Banking in the UK: https://www.openbanking.org.uk/ It's the UK version of PSD2 so there should be equivalent schemes in Europe.
Not that it really is as open as many of us might like - the banks did a pretty good job of tying much of it up in red tape.
I use the GoCardless API to pull transactions and balances into a Google Sheet. They have pretty good coverage for UK and EU it looks like [1]
[1] https://developer.gocardless.com/bank-account-data/overview#...
PSD2 is that standard.
I personally use Finanzguru (for the German market, it supports many banks).
Likely to be many others.
Seems like my bank started supporting it last year. Will check it out.
Clearly, I must have been searching wrong!
Open banking does that but it needs to be a provider.
Some banks let you download in formats that let you then import into something. I have imported a lot into Gnucash from a downloaded file but its not smooth or complete (narrative needed fixing).
A quick search shows this one is well regarded https://www.bilanceapp.com/
Interesting... in that it apparently has the exact same limitations as my bank's built-in finance tracking feature (including being mobile-only).
Also Australia.