[tacostakohashi]

OFX is the closest to being universal, although often it is well hidden.

CSV feeds are often surprisingly useless for programmatic / feed use, they're often littered with stupid textual headers and footers and lack important columns - they're designed to be opened in excel and looked at by a human, not parsed and ingested.

[andreareina]

There's also the heterogeneity of transactions. Looking at the csv export I've got from my bank, there are three "reference" columns and they play different roles depending on how I'm paying:

    - debit card: merchant name + date, card number, blank
    - alternative card-based payment system: constant (account number?), merchant, constant
    - alternative app-based payment system: constant, merchant, user custom reference

And a data sanitation issue: one of the merchant names has a comma in it, and it's not escaped or quoted in the csv so that record is corrupted.