Bank account synchronization with STET PSD2

[azmeuk]

PSD2 is an European directive that promotes - among other things - open banking. The STET PSD2 API describes several operations that can be realized on user bank accounts, and among others there is AISP (Account Information Service Providers) that allows access to users account transactions. It is reputed to be a de facto standard in Europe, and is for instance implemented in most French banks: CIC, Crédit Agricole- La Banque Postale, the BPCE Group (Banque Populaire, Caisse d'Épargne, Crédit Coopératif) etc.

I know this is more an epic than a quick task, but I would suggest implementing a mechanism to synchronize bank account transactions in money using this standard.

[darkdragon-001]

In Germany, mostly FinTS is used (replacing HBCI). You can find a list of more than 1000 banks supporting this standard here.

[darkdragon-001]

I just noticed that GNUCash uses the AQBanking library for import/export from/to various formats and online APIs.

[gunwald]

Just for the record: There is also an applications called »Banking« which works as a FinTS client:

This is a FinTS banking application using python-fints as backend library. This application is able to connect to your bank and will show your current balance and transactions. It has been created for my upcoming Librem 5 smartphone by Purism.

I never got it working, but maybe you could combine efforts.

[jbingram]

The app »Banking« only works with German banks, and the maintainer is a busy guy, seem to have no time to expand to other foreign bank transfer protocols. Has he time to combine efforts ???? @jbrummer ( https://gitlab.com/jbrummer ), up to you! In any case FinTS is Germono centric, so I guess better implement on top something more universally used by different countries, like e.g. the PSD2 is an European directive mentioned previously.

[ayykamp]

This would be an amazing feature, being able to automatically import all transactions and then be able to categorize them in Denaro.

The project Firefly-III uses proprietary APIs to do this but an open source implementation would of course be ideal :)

[ayykamp]

See also https://gitlab.com/tabos/saldo/-/issues/62

[xplosionmind]

Hi! I am very much interested in this topic, even though:

• I am not a developer
• I am completely new to this topic/area

My bank is the Italian Banca Etica. How can I verify what protocol and what systems they use? If I wanted to open a request to implement an open banking standard, what could I do?

Thanks a lot!

Best,
Tommi

[Kuchenmampfer]

I already use saldo and currently just copy everything from there into denaro by hand. So for me, any way of automatically retrieving transactions from saldo would be enough. However, this would of course only cover german banks until saldo expands