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> I am not willing to manually navigate a dozen banks' broken UIs to find their "download CSV" > My #2 requirement (a close second) is that the application mus
by ghosty141 2y ago
> I am not willing to manually navigate a dozen banks' broken UIs to find their "download CSV"
> My #2 requirement (a close second) is that the application must be running on my local PC. I will never accept a cloud-based web-app
You're lucky you don't live in the EU since well then you are straight out of luck since the bank APIs are only available to commercial entities thus the software generally is in the cloud and costs money.
- fmbb 2y agoIs it illegal for banks to provide private customers personal API access?
- earnesti 2y agoI don't think it is illegal at all. Banks just don't want to offer such features.
- franga2000 2y agoNot that I know of, but I've never seen one that does. And it's not like API access for company accounts is common - what the EU regulation requires, which is the only thing most babks support now, is that anyone can access their own accounts through a licensed account information provider. Under the "open banking" scheme, not even massive companies can get API access to their own accounts. It only requires banks to give service providers access that allows their customers to essentially OAuth login into those services with their bank accounts. There is no "I just want my own account" API, only the general one. And becoming a licensed provider is insanely hard because it's assumed you'll be actively managing millions of euros for tens of thousands of customers, when in reality, all you want is read-only access to one or a few affiliated accounts.
- mesk 2y agoI use one that has public API, fio.cz in Czechia. There are surely others...
- tucosan 2y agoBanks in Germany offer access to consumers via the HBCI standard. Not sure about the rest of the EU.
- stuckkeys 2y agoThis sounds illegal and against what GDPR stands for.
- stephenbez 2y agoWhy is accessing your own banking data through a standard against what GDPR stands for? GDPR has a right to data portability.
- stuckkeys 2y agoI miss interpreted. I thought someone else can gain access to consumer data.
- pwagland 2y agoBanks in Germany provide it because of EU regulation. https://www.digiteal.eu/open-banking-apis-all-you-need-to-know/ https://www.digiteal.eu/open-banking-apis-all-you-need-to-kn...
- IanCal 2y agoThose regulations are about sharing via trusted third parties, not direct to users.
- pelasaco 2y agosome similar tools offer a way to parse the PDF files provided by your bank and import it. I wish we had something similar here to do that
- mesk 2y agofio.cz has one - https://www.fio.cz/bank-services/internetbanking-api https://www.fio.cz/bank-services/internetbanking-api
- ctippett 2y agoObviously the UK is not the EU... but Starling Bank offer an API that you can use to access your personal bank account. I'm sure Monzo and other neo-banks offer similar functionality.
- com 2y agoOpen Banking predates Brexit, so lots of that stuff got carried over into the Brave New World.
- augstein 2y agoBanks generally support HBCI standard (in Central/Western Europe) Thats why using apps like Outbank, that automatically aggregate all your bank accounts data work like a charm in my experience.