While YNAB is great, it's a shame they moved to a subscription based service.
Is it ridiculous that I have to pay money every month just to get my transactions in a useful format? Yes. But that isn't their fault, in my opinion.
They charge $7/mo and Netflix charges $11, while I personally get way more value from my $7 going to YNAB. :)
I found an open source project named Firefly III[1], that uses an API called Spectre[2]. Same deal, free for a certain number of bank accounts, but looks like you need to contact them to set up your API access. Incidentally, I recently saw an iOS app that had been using the Spectre API as well.
[1] https://firefly-iii.org/ [2] https://www.saltedge.com/products/spectre
I'm sticking with the classic version.
The x costs $y, and a costs $b, argument doesn't scale at all.
So no more paying for access to your own data...
I read somewhere that they suspect banks are deliberately delaying this because payment data is worth a LOT of money. And banks will loose the "monopoly" on this data. There have already been raids here to investigate whether they are deliberately delaying.
Also, for example, PSD2 means external apps can make payments (if you permit), so basically your bank software can become 100% superfluous. So banks are afraid customers might "loose touch" with their brand.
It is one reason I wish tools like Apple Pay should allow / had the option to retain those data for me personally only. And have the financials will work out all on my Phone and no where else. How much did I brought these and that, per month.
Personally I don't transaction import capabilities (nor could I have used it to be honest as they don't have support for German banks). Tracking my expenses as I make them is half the benefit of YNAB for me. Makes me acutely aware of how much I am spending and how much money I have left.
Same with TextExpander and other apps, I'll give up on them once they stop working—or even before that happens.