Hi, I’m after a budgeting software where I can login to my bank account using open banking/midata or another service that will live integrate with my bank account. Does that exist? I’ve checked out Firefly iii, actual, and openbudgeteer but I can’t see anywhere that suggests what I want is a feature. Have I missed anything, or is there a software which has this feature that I’ve missed?
I’m based in the UK if that helps at all.
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Do you think your bank provides a free and open API that can be used by such a tool? Unlikely.
In the UK, Monzo provides an open REST API, which includes webhook support
Cool!
It’s what open banking or midata is in the UK…
I quickly looked up midata and it seems like a government “standard” so banks can provide your account data as a uniform downloadable format.
But you are asking for “live integration” which is very different.
Check Actual Budget. It’s very simple to set up compared to Firefly iii.
Edit: it has GoCardless integration https://actualbudget.org/docs/advanced/bank-sync#link-accounts-with-gocardless
Firefly III supports bank accounts integration using PSD2 via Nordigen (aka GoCardless): https://docs.firefly-iii.org/data-importer/faq/spectre-and-nordigen/
Not a “live integration” tho, when i tried it some months ago.
What even is a “live integration”?
The premium APIs are just for automatic categoring at the source (i.e. you download your transactions with categories already). Firefly III does support automatic import using Nordigen by setting up a cron job which automatically POST the transactions downloaded using Nordigen API. You will have to setup the Nordigen connection only the first time you do it, then download the json and POST the correct url. There’s a section in documentation of the data importer which explains exactly that.