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henricson / psd2ynab

Sync transactions from PSD2-compliant banks to YNAB (You Need A Budget).
GNU General Public License v3.0
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Access to Credit Card accounts #2

Open oponcea-dn opened 1 year ago

oponcea-dn commented 1 year ago

Nice, clean, and simple integration you have here! Thank you!

My problem is with the fact that credit card accounts are not visible and actually most of my transactions are with credit card... so, do you know why this is not available? Or how to make it available? Is it a Nordigen problem or something that my bank doesn't want to provide via psd2? Thanks!

(btw, I use the credit card as a buffer from month to month, never pay interest rates but get the bonus of using it that the bank provides - so, not something that YNAB philosophy recommends but something that proved very successful over the years for me)

henricson commented 1 year ago

Hi, thanks! I am in the same situation as you, I also use a credit card for my day-to-day expenses. My bank (DNB in Norway) says in their PSD2-documentation that Mastercard accounts is not exposed through the PSD2 API at all, meaning that Nordigen also won't have access. I think this goes for all banks, as it seems like PSD2 does not consider credit card transactions as payment transactions (source). So as of now, I think we are at a standstill here.

oponcea-dn commented 1 year ago

Too bad... anyway, over the weekend I looked over Mastercard's APIs and I couldn't find a way to list transactions on one of their credit cards. Mastercard provides PSD2 integratopn just as Nordigen, but this doesn't help as same legal "restrictions" apply there.