[deweller]

I use YNAB. I thought about building my own now that AI coding make this feasible. But the moat that I can't cross is the integration with my bank accounts. Plaid and the like are too expensive and don't cater to one-off users like me.

Has anyone been able to find a personal financial data provider that has a reasonable price?

[thenews]

actual budget something similar from what i can see via SimpleFIN Bridge (https://actualbudget.org/docs/advanced/bank-sync/#supported-...)

[pcchristie]

Actual Budget is incredible. Happy (now free since it's gone FOSS, formerly paying) customer since migrating from YNAB4 ~ 3/4/5 (?) years ago.

[mpbart]

As a few others have said Plaid is actually rather cheap if you only have a handful of accounts. I created my own personal finance tracker when Intuit Mint shut down and Plaid costs me $1.80 per month for all my linked accounts which feels very reasonable to me

[amrawad]

Check out Lunch Flow, that's the exact reason I built this :) we Aggregate multiple providers behind a simple api for global coverage, and with a pricing friendly to individuals not businesses.

[iccananea]

I am researching providers to be able to add account sync to trackm.net

I haven't done it at first because

(1) they all have monthly / yearly costs and I wanted a flat fee;

(2) I can't update the account without the user having logged in because of how the encryption works.

[phoenixy1]

Plaid has a pay-as-you-go option that's only about $2/month for this use case. (I believe the current rack rate PAYG pricing is 30 cents per month per connected bank login).

[qntmfred]

https://teller.io/ has been on my radar to play with

[benmanns]

I thought Plaid have (had?) a developer account that could connect something like 100 accounts that was free.

[kkfx]

GoCardless might be an option, at least for OpenBank (UE/SEPA), no idea for the USA though...

[wesdie]

I think GoCardless stopped accepting new accounts recently, which makes it a bit harder to rely on now.

Feels like the options for EU/SEPA are still pretty limited. I’ve been looking into alternatives as well, curious if you’ve found anything that works well also?

[kkfx]

So far GoCardless works for me, maybe they still kept old accounts. I've heard of https://enablebanking.com but never tried them. I know also:

- https://www.saltedge.com

- https://www.fabrick.com

- https://www.bridgeapi.io

but they do not offer a free tier AFAIK

Otherwise, with the scraping approach Woob https://woob.tech/ (FLOSS) works well enough on some banks... It's damn absurd that banks and even supermarkets do not offer authenticated feeds for data export but that's is unfortunately...

Me personally I think banks do their best to push people toward cryptos only because of their crappy services... Even the worst CEx offer better data access the banks...

[wesdie]

Yeah GoCardless still works, just not for new accounts sadly.

Feels like the options are still pretty limited unless you go paid/enterprise.

Woob is interesting, but scraping always feels like a ticking time bomb.

Thank you for the suggestions!