5 ms·

Does that require giving them your banking online login details?

by Someone1234 9y ago

gascan 9y ago
If you're concerned about that, you can always go with desktop software. Quicken will do "virtual accounts".
- dredmorbius 9y ago
  Or Free Software alternatives such as GNUcash. LWN have a current "Grumpy Editor" series article on Beancount: https://lwn.net/Articles/751874/ https://lwn.net/Articles/751874/ And an older one from 2009: https://lwn.net/Articles/314577/ https://lwn.net/Articles/314577/
bombledmonk 9y ago
There's yet another thing that's needed industry wide. Oauth or similar concept with read only access to a data api.
- madamelic 9y ago
  plaid.com
  - mwexler 9y ago
    And Yodlee. Quovo. Tink. Finicity. A zillion others. This is where modern banking data is moving, for better or worse. I think it's better, but the world is still on it's first steps in this "more open" financial data linking space.
  - sangnoir 9y ago
    plaid asks for your online banking password.
- woolvalley 9y ago
  We used to with something like quicken, but most banks half ass it. I really think the state of how bad consumer bank integration tech is has led to this reality of login and scrape that you have with yodlee & co.
jahabrewer 9y ago
Buy YNAB 4 (aka YNAB Classic). You'll have to import transactions manually, but I much prefer it to their subscription SaaS offering. I've used it for five years and love it. I use a python script to download most transactions from banks/credit cards. https://sites.google.com/site/pocketsense/home/msmoneyfixp1/p2 https://sites.google.com/site/pocketsense/home/msmoneyfixp1/... There are enough people who do this that you can figure out how to access the OFX endpoint for most financial institutions.
- aeorgnoieang 9y ago
  You can import transactions manually into NYNAB (the new web version). One problem I have with relying on OFX is that I have a nagging suspicion that it's not as 'official' as the statements. If there were a discrepancy between the two, I'd worry that I wouldn't be able to resolve it in my favor without having reviewed (and thus downloaded and reconciled against) the statements.
- komali2 9y ago
  I was in your same boat until the SaaS offering started really figuring out how to do credit cards. Now, it's finally the better of the two options for me.
komali2 9y ago
If you want auto-import, yes. Otherwise, it requires only an email (and that you pay them 5$/monthly somehow. Paypal, credit card, whatever). If you don't want auto-import (which doesn't even work for my credit union anyway), you can uploads .csvs, or manually input your transactions.

Does that require giving them your banking online login details?

gascan 9y ago

If you're concerned about that, you can always go with desktop software. Quicken will do "virtual accounts".

dredmorbius 9y ago
Or Free Software alternatives such as GNUcash. LWN have a current "Grumpy Editor" series article on Beancount: https://lwn.net/Articles/751874/ https://lwn.net/Articles/751874/ And an older one from 2009: https://lwn.net/Articles/314577/ https://lwn.net/Articles/314577/

bombledmonk 9y ago

There's yet another thing that's needed industry wide. Oauth or similar concept with read only access to a data api.

madamelic 9y ago
plaid.com
- mwexler 9y ago
  And Yodlee. Quovo. Tink. Finicity. A zillion others. This is where modern banking data is moving, for better or worse. I think it's better, but the world is still on it's first steps in this "more open" financial data linking space.
- sangnoir 9y ago
  plaid asks for your online banking password.
woolvalley 9y ago
We used to with something like quicken, but most banks half ass it. I really think the state of how bad consumer bank integration tech is has led to this reality of login and scrape that you have with yodlee & co.

jahabrewer 9y ago

Buy YNAB 4 (aka YNAB Classic). You'll have to import transactions manually, but I much prefer it to their subscription SaaS offering. I've used it for five years and love it. I use a python script to download most transactions from banks/credit cards. https://sites.google.com/site/pocketsense/home/msmoneyfixp1/p2 https://sites.google.com/site/pocketsense/home/msmoneyfixp1/... There are enough people who do this that you can figure out how to access the OFX endpoint for most financial institutions.

aeorgnoieang 9y ago
You can import transactions manually into NYNAB (the new web version). One problem I have with relying on OFX is that I have a nagging suspicion that it's not as 'official' as the statements. If there were a discrepancy between the two, I'd worry that I wouldn't be able to resolve it in my favor without having reviewed (and thus downloaded and reconciled against) the statements.
komali2 9y ago
I was in your same boat until the SaaS offering started really figuring out how to do credit cards. Now, it's finally the better of the two options for me.

komali2 9y ago

If you want auto-import, yes. Otherwise, it requires only an email (and that you pay them 5$/monthly somehow. Paypal, credit card, whatever). If you don't want auto-import (which doesn't even work for my credit union anyway), you can uploads .csvs, or manually input your transactions.