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Umm, in the EU due to PSD2, all banks must provide a standardised API: https://en.wikipedia.org/wiki/Open_banking

Sort of. IIRC, (either the EU as a whole or just the UK) basically killed open banking. To even use the standard you were required to be an accredited broker even if the data was kept local to the user's device. Getting accredited cost a fortune and basically made it impossible for anyone but the Intuits of Europe to use it.

I think most "normal" accounts in Poland have CSV report options, and some have standardised MT940.

"Enterprise" accounts are pretty much dead in the water without some APIs for over a decade now, as far as I know - the big clients want their SAP and whatnot to directly integrate.

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