I've been attempting to build a little hobby budgetting app the past couple weeks that could automatically sync from my bank since none of the OSS options seem to be able to this and require manual logging.
I thought this would be fairly straightforward but it's been anything but that - what few open formats there were for this thing are all being sun-setted and most US based banks seem to only allow API access of any kind to established companies. The only real option is to go through Plaid which still seems to require initiating a business relationship with them to get through all the red tape.
For whatever reason, if your in the US, real time syncing of this sort of thing just isn't an option at the personal level.
Only other solution I can think of at this point is to manually scrape with a puppeteer script.
There is a middle ground I think - all my banks/credit cards (7 or 8 accounts spread across 4-5 providers) offer csv downloads of transactions. I haven't tried to automate downloading the csv, but once the csv exists locally automation becomes straightforward. But yes, for real-time automated gathering of the data, this wouldn't be appropriate I imagine.
I thought this would be fairly straightforward but it's been anything but that - what few open formats there were for this thing are all being sun-setted and most US based banks seem to only allow API access of any kind to established companies. The only real option is to go through Plaid which still seems to require initiating a business relationship with them to get through all the red tape.
For whatever reason, if your in the US, real time syncing of this sort of thing just isn't an option at the personal level.
Only other solution I can think of at this point is to manually scrape with a puppeteer script.