There is a beancount mode for Emacs that does a lot of what you want, but only really of use if you use Emacs.
But I think the "real" answer, especially as more countries get increasingly cashless, is to just import a CSV or OFX every few weeks so you're not actually manually entering anything.
I do otherwise employ the workflow you mention: automatic downloads and supervised but nearly automatic imports.
For importing: https://github.com/jbms/beancount-import For downloading: https://github.com/jbms/finance-dl