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by lima 2985 days ago
In Europe, all banks implement the HBCI standard, which does exactly this.
2 comments
thesimon 2985 days ago
HBCI is mostly a German standard though. It is a huge PITA to work with as well, clearly showing its age.

The most promising thing seems to be the API standard developed by the "Berlin Group" https://www.berlin-group.org/psd2-access-to-bank-accounts with quite a lot of banks being a member.

I quite liked the bunq API to work with (https://doc.bunq.com), but I wasn't really happy with their 7.99€/month pricing. In the past they also required a fixed IP, which wasn't really great for hobby projects.

A decent wrapper around multiple bank APIs seems to be figo (http://docs.figo.io/v3/index.html), the API looks good but I'm not sure about the pricing.

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lima 2985 days ago
It's a PITA, but it works and it's a universal standard (in Germany, that is).

I'll take that over a proprietary API or an untrusted 3rd party wrapper.

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stef25 2985 days ago
What do you mean by "this"? I'm in Europe and all my bank accounts are very "closed", as in really difficult to build an API on. Good for security but hopeless for anything else like expense tracking.

They do offer CSV export, not even sure if that's in any standardised way.

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