[NoboruWataya]

> Given Europe and the UK have had Open Banking for years now, and a universe of apps automatically pulling, categorising and reporting transactions (including many incumbent banking apps) - I'm curios if this is a US-only phenomenon - why would people use decade-old software instead of the latest in banking technology? Any users from Europe or UK?

Maybe the situation is better on the continent, but from living in Ireland and the UK I don't believe this is a solved problem here. Open Banking allows third parties to connect with your bank accounts with your consent but I'm not aware of any (reputable) service that simply gives you an API into your own bank accounts. Would be happy to be corrected on that.

That said, I wouldn't call the entry process entirely manual. GnuCash supports importing transactions in a broad range of formats, including OFX, QIF and CSV with user-defined rules. Yes, you still need to log into your bank/credit card/etc and download statements for import, but personally I don't mind doing that. My workflow is that I spend about half an hour every week logging my transactions in GnuCash. Sometimes I skip a week or two. Yesterday I had to enter a full month of transactions and it took me about an hour (complicated by the fact that I had lots of business expenses).

[411111111111111]

This open banking regulation actually makes it pretty hard for banks to provide you with easy to use APIs. You'll always need to do interactive authentication and these sessions have to be expired all the time.

I wrote a pretty simple budget webapp before the regulation took effect but was forced to stop after.

It's kinda good because it reduces the risk startups take security on the light shoulder like I did with my self hosted app, but it's obviously annoying as a user.

[konschubert]

German reporting in. The situation is dire. I can download a CSV and there is one app that can pull transactions nightly - but I have to re-authorise it every couple of weeks which takes about 5 minutes.

We must never loose hope.

[lesquivemeau]

I live in france and my bank lets me download all (or a custom range of) my accounting history and my credit card history as either OFX, QIF or CSV. That's pretty neat and i can import it into Gnu Cash right away.

[stakkur]

This is common in the US, too. I've been doing it for a long time. My current credit union offers some online customization of that, too.

[carderne]

Starling gives you API access to your own account. I use it to do a semi-automatic ingest into beancount.

[francis-io]

theres some third parties that give you an API directly I believe. Firefly III lists salt edge and nordigen.

https://docs.firefly-iii.org/data-importer/