[cranky908canuck]

"banks allowing export of transactions" is only the start.

I deal with two banks for credit cards.

One (call it "Blue Bank") allows me to download a statement. I filter out a couple of things (payments mostly), check that it matches the paper statement balance, and post it. About 15 minutes start to finish.

The other (call it "Orange Bank") allows me to download a "statement". I filter out a couple of things (payments mostly), check my previous month's transactions to see which ones at the beginning of the file actually go in the current billing period (not already paid), stare at the last transactions to see which ones actually were posted to the current billing period (not after the cutoff), run the script to check the total (nope, doesn't match) then do that a couple of times until it matches. The time they changed the meaning of the "credit" column from "just confirming this is a credit" to "it's a credit, you need to flip the sign" it was 45 minutes.

But hey, it's all CSV!

[jxjnskkzxxhx]

I guess you must have a more complex life than me. I never filter out anything, and everything always matches.

[cranky908canuck]

Maybe. What I was trying to get at was, some banks (the 'orange one') don't provide sane semantics, so even if the input format is compatible, reconciliation can be a nightmare. You may not be dealing with your 'orange bank'; if I only dealt with the blue one I would not be aware of the problems of the other (and it would not have occurred to me that the orange one could botch it up).