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Not sure whether https://www.solarisgroup.com/en/ https://www.solarisgroup.com/en/ works the way you need it. Highjacking this topic: is anyone aware of a bank

by sveme 4y ago

Not sure whether https://www.solarisgroup.com/en/ https://www.solarisgroup.com/en/ works the way you need it. Highjacking this topic: is anyone aware of a bank whose APIs I can use as a private customer? I just want to automatically pull in my transfers and balance and analyse it using jupyter notebooks. Would actually love to be able to use a CLI to transfer money, but that's even farther out. My banking app sucks.

mcintyre1994 4y ago
Monzo in the UK has a solid read API that you can use for your own account: https://docs.monzo.com/#introduction https://docs.monzo.com/#introduction
- sveme 4y ago
  Thanks, but with the UK leaving the EU, it's even harder to have an account with them. Should have mentioned that I'm located in Germany.
  - iggldiggl 4y ago
    In Germany some banks continue offering the old FinTS API, which from the customer point of view is what PSD2 should have been (i.e. not necessarily referring to the technical implementation details of the API, but the fact that it gives more or less full access to everything you can do with your bank account, and that it is directly useable by regular customers, too). After a quick search I found this list of banks, though no idea on how current or complete that list is: https://subsembly.com/banken.html https://subsembly.com/banken.html
Arnavion 4y ago
>I just want to automatically pull in my transfers and balance and analyse it using jupyter notebooks. You can try looking for a bank that lets you export OFX / QFX files. Those can be imported into gnucash, or processed any other way. ofxget is a tool to download OFXes from a bunch of banks registered in their database, though it's volunteer-driven, so your bank might be in there but not actually work. Even if your bank does have an OFX endpoint, it might require you to a) use your actual bank creds instead of being able to create an automation token, and b) not have 2FA, for the same reason. QFX in particular will probably be available if the bank supports Quicken's built-in feature for downloading that file from the desktop client, so you can use it to get the file directly instead.
yreg 4y ago
Is PSD2 for companies only? E.g. https://developers.erstegroup.com/docs/apis/bank.eboe https://developers.erstegroup.com/docs/apis/bank.eboe When I try to register as developer with Erste, there is an option to say that I want access to the APIs for personal projects. https://developers.erstegroup.com/register https://developers.erstegroup.com/register
- sveme 4y ago
  Oh, will try with some banks. Thanks.
- iggldiggl 4y ago
  > Is PSD2 for companies only? Yes, that's my understanding – banks are only required to grant access to certified entities. As a regular customer (which includes regular businesses, too, not just just natural persons), you're then supposed to make use of one of those certified entities as a middleman for accessing the APIs. Maybe some banks extend API access to regular customers, too, but that's entirely voluntarily and not mandated by PSD2.

by sveme 4y ago

mcintyre1994 4y ago

Monzo in the UK has a solid read API that you can use for your own account: https://docs.monzo.com/#introduction https://docs.monzo.com/#introduction

sveme 4y ago
Thanks, but with the UK leaving the EU, it's even harder to have an account with them. Should have mentioned that I'm located in Germany.
- iggldiggl 4y ago
  In Germany some banks continue offering the old FinTS API, which from the customer point of view is what PSD2 should have been (i.e. not necessarily referring to the technical implementation details of the API, but the fact that it gives more or less full access to everything you can do with your bank account, and that it is directly useable by regular customers, too). After a quick search I found this list of banks, though no idea on how current or complete that list is: https://subsembly.com/banken.html https://subsembly.com/banken.html

Arnavion 4y ago

>I just want to automatically pull in my transfers and balance and analyse it using jupyter notebooks. You can try looking for a bank that lets you export OFX / QFX files. Those can be imported into gnucash, or processed any other way. ofxget is a tool to download OFXes from a bunch of banks registered in their database, though it's volunteer-driven, so your bank might be in there but not actually work. Even if your bank does have an OFX endpoint, it might require you to a) use your actual bank creds instead of being able to create an automation token, and b) not have 2FA, for the same reason. QFX in particular will probably be available if the bank supports Quicken's built-in feature for downloading that file from the desktop client, so you can use it to get the file directly instead.

yreg 4y ago

Is PSD2 for companies only? E.g. https://developers.erstegroup.com/docs/apis/bank.eboe https://developers.erstegroup.com/docs/apis/bank.eboe When I try to register as developer with Erste, there is an option to say that I want access to the APIs for personal projects. https://developers.erstegroup.com/register https://developers.erstegroup.com/register

sveme 4y ago
Oh, will try with some banks. Thanks.
iggldiggl 4y ago
> Is PSD2 for companies only? Yes, that's my understanding – banks are only required to grant access to certified entities. As a regular customer (which includes regular businesses, too, not just just natural persons), you're then supposed to make use of one of those certified entities as a middleman for accessing the APIs. Maybe some banks extend API access to regular customers, too, but that's entirely voluntarily and not mandated by PSD2.