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Buxfer (https://www.buxfer.com) has almost all of what you mention: import (can be automated via API), automatic pull from banks, multiple currencies, backup to cloud (although it's not a "backup and restore", it's backup so you can have your data with you in a standard format.)

Disclosure: I'm the founder.

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Hey I used buxfer for years when I was trying to control my finances and learn my patterns during college and first jobs.

It was great, I liked it so much that even on a super shitty exchange rate for me I became a subscriber at the time, even though I didn’t need the subs features.

I don’t use it anymore, maily because I can do it in my head now + the little tools my bank provides, but thanks man. Your service made me a better human.

It's always immensely satisfying to hear a personal story of my work benefitting another fellow human being. Thanks for sharing!

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