I haven't used its online data-fetching features, but instead save manually save OFX and QFX files periodically from banking Web sites, and later import them into GnuCash (which includes transaction matchup features). I also use the statement reconciliation features.
I save all the OFX, QFX, and PDF files separately, in case I ever want to do something different with the data. (One of my financial services won't let you download transaction data older than 90 days, and most of my services won't let you download data or statements more than 1-2 years old.)
But the GnuCash out-of-box UX definitely isn't contemporary tech industry polish nor style. (Though that heritage also means that GnuCash isn't selling out the user a dozen different ways like we tend to do in tech industry right now.)
(Examples of tuning GnuCash: I replaced the default account hierarchy with one I evolved, switched to displaying only leaf account names instead of the colon path ones, and color-coded the accounts to distinguish liquid/non-liquid/liabilities/receivables.)
There's also a big list of alternatives to GnuCash at https://alternativeto.net/software/gnucash/ which you can filter down by various tags (open source or not, operating system, etc).
There is also another risk that you have access to my name and my financial status :)
If you don't care about spreadsheets specifically -- if you're just looking for scriptable access to your financials -- Lunch Money (https://lunchmoney.app) has a public API. They'll also be opening the beta of rollover budgeting any day now, which has me excited!
Hmm, this tweet lists some other Plaid alternatives - Yodlee, which I heard of but forgot about, and Quovo, which I don't remember hearing of https://twitter.com/knitesh/status/1292605236805169152
Connecting my bank account to google sheets: -1000000
I do see the intention and the utility - people should be able to easily access and make sense of their data from whatever source and in whatever form. That you are enabling that and showcasing examples is admirable.
Google services in particular are so deeply exposed across people's devices and accounts, past and present, that they have for a long time been one of the largest attack surfaces:
- for incidental or targeted fraud from a distance
- for intrusion by personal contacts: stalking, coercive control
- for relinquishing control of personal data unintentionally: to an employer, to a state, or to arbitrary contacts by oversight because it's incredibly hard to track the myriad dimensions of sharing permissions
In general I applaud what you're doing. I would love to see an example of how to have insight into and oversight of your banking data on your own machine, with a focus on privacy - that's missing from the ecosystem I think.
The foundation of this are APIs for banks which you can use in any way you see fit and is completely independent from services like Google Sheets.
from this nordigen's information handling section in TOS
> 2.3. As the Services also allow User to upload Information and/or obtain Account Information and personal data therein, User further acknowledges and agrees that by uploading or entering any Information for the Services and by using the Services, User grants Nordigen permission to make anonymized data based on personal and non-personal data collected from User or through User's use of the Services, and combine such anonymized data with that of other Users in order to make anonymized aggregate data. Nordigen may use the anonymized data and anonymized aggregate data for various business purposes and legitimate interests of Nordigen, including but not limited to improving the Services, developing and improving other Nordigen products and services, and distributing or licensing such data to third parties with whom Nordigen has a business relationship.
Every time the word "anonymized" is mentioned here you have to understand that everything in software is at risk of bugs or mistakes. But even if, they'll definitely sell your data.
> including but not limited to improving the Services, developing and improving other Nordigen products and services, and distributing or licensing such data to third parties with whom Nordigen has a business relationship.
That means if you don't now, you might do it in the future. If if you don't, you might sell the whole thing to another company who will do this.
Everytime I made purchase my bank (BankOfAmerica) send me an email, I parse that email and write data to a google sheet.
It's great because I don't need to give credential to service like Plaid.
I used webhook of service like https://hanami.run and configure my bank to send email notification to firstname.lastname@example.org (my own domain). Hook it up with hanami.run webhook (or any email to webhook service) and voila, now you can parse the email body and do whatever you want with it, in real time. Bank sends email pretty quick.
Or sendgrid free tier support incoming procesing too.
Also, you can use my own service https://hanami.run it supports webhook
Setup an email server for inbound email with Postfix is pretty easy to. You can use mailbox_command of postfix to parse email
You can setup email on a sub domain and only point the subdomain to it.
But thanks for the explanation on the AWS/Sendgrid side, appreciate the information. Still curious about your service though, it looks promising.
The term SMTP server is used when you are the person who send out email.
The term MX server is used when you are the person who is received email. As in, someone use an SMTP server to send you an email, by connect to MX server list on your domain. You can find MX server by doing a `MX DNS query` on the domain such as `dig hanami.run mx +short` or `dig github.com mx +short`
SMTP email limit only apply for users who want to use our SMTP service. Think sendgrid/mailgun SMTP service. It means when you want to send email through your own domain.
For incoming and email forwarding(someone send you an email and we forward to your domains) then it unlimited.
The reason is that when you use SMTP service, you can just write a simple loop and send lots of email using our SMTP server. We don't want that, our service is only for daily email, not marketing(newsletter, promotion) or transaction email(password reset etc).
Incoming email, on other hand is send out by other people to your service, and we will happily forward as many as possible.
I strongly agree on putting a list of supported banks before signing up though. I've had experiences with other providers where sign up and verification takes time, and then after spending 24h being verified it doesn't support your bank anyway... So that up front is good
I understand the need for limits, but 2500 rows x 7 columns?! This isn't exactly "Big Data."
Thank you for sharing these tools.
Is this information, or a list of banks available anywhere?
I'd rather know if this might work for me before spending time on it.
Only EEA countries I guess. Is anyone aware of something similar for US banks?
Seems like 1,000 banks is a bit of an exaggeration.. if you remove the duplicates, I don't think there's even 100.
>The tool allows connecting personal and business accounts from over 1,000 banks in Europe
Please provide a list of the 1,000+ banks you support.
Google already knows if you are a 10%er or 90%er, your ads wouldn't change.
How is this even remotely acceptable blows my mind. My alternatives to transfer money into these fintech companies are checks (are we in the 90s?) or wire transfer (20$ each).
see last screen in example flow
You know what's funny? Polish banks also have wire-transfer online payments roughly like Sofort since forever, but without MITM - Przelewy24, PayU et al. They seem to use proper methods to pre-fill wire transfer forms and dedicated accounts in each participating bank to settle the payment immediately.
In Europe this is a regulated activity and Nordigen is licensed provider for this service by all 31 European financial authorities.
Secure data management and privacy is something we take very seriously.
Roberts, co-founder at Nordigen
I'm not doubting your sincerity, but people are going to have to find a different way to say that - those words have come to mean pretty much the opposite in many people's minds: https://techcrunch.com/2019/02/17/we-take-your-privacy-and-s...