I enter everything manually. I live in SE Asia where there's no other option, really. For some of my banks there's not even a CSV/Excel download option, just a

I enter everything manually. I live in SE Asia where there's no other option, really. For some of my banks there's not even a CSV/Excel download option, just a PDF "balance statement". I (mostly) don't find it too onerous. But it is very much Inbox Zero. If you keep on top of it then it isn't much additional effort. While I'm waiting for the cashier to make change or print a receipt or while I'm walking out of the shop I can enter the transaction. But if I let a few days of them build up it becomes a more annoying 5-10 minute effort. Also you need to do manual entry for anything you pay with cash anyway. But the manual approach starts to fail in a family unless all involved are on-board with the data entry. (Which is almost never the case in my experience.) In practice that means all of my wife's expenses are a bit of a black hole.