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Show HN: Connect your bank account to Google Sheets

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Re: Show HN: Connect your bank account to Google Sheets

#11
Another option in this space is Tiller (https://www.tillerhq.com/). They seem well-established, and offer some spreadsheet templates for plug-and-play solutions to some common budgeting scenarios.

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!

Re: Show HN: Connect your bank account to Google Sheets

#14

Another option in this space is Tiller ( https://www.tillerhq.com/ ). They seem well-established, and offer some spreadsheet templates for plug-and-play solutions to some common budgeting scenarios. 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…

I got it mixed up with Teller https://teller.io/ , which is an alternative to Plaid, and whose CEO was rooting for Miami and lambasting SF (I like both), along with posting other controversial opinions https://twitter.com/bitandbang/status/1346181103531552769

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

Re: Show HN: Connect your bank account to Google Sheets

#15
Good interoperable APIs for banks, and ways for people to be able to access and use their own data: +10000 better future points

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.

Re: Show HN: Connect your bank account to Google Sheets

#16
If you want to import banking data for tracking your personal finances or small business, there's also GnuCash, which you can run locally. https://gnucash.org/

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.)

Re: Show HN: Connect your bank account to Google Sheets

#17

haha, sure, because google needs more of your data, and whatever this nordigen thing is... laughable 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 N…

Such ToS always have a clause like "we can change these terms at any time". I'm surprised that these data miners bother to declare their intent at all.

Re: Show HN: Connect your bank account to Google Sheets

#18

So this tool helps me share my transaction history with something called Nordigen and... Google? Is this a joke?

Wait until you hear about this company called Plaid (valued at ~13B$) which is used by a lot of FinTech companies to access your bank account. They take your username/password in cleartext and go ahead and scrape and do as they please with the data to prevent fraud (oh and if 2fa blocks them from scraping, they'll ask you to disable it).

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).

Re: Show HN: Connect your bank account to Google Sheets

#19
On this topic, I tried to do a Jan 1st to Dec 31st transaction dump from Chase Bank into a CSV and the whole thing failed -- "too many records." Then I broke it up to half year segments and the second half failed, again "too many records." Finally broke it up to three 4-month segments and realized Chase has a -- clearly arbitrary -- limit of 2500 txns (IIRC) per CSV dump.

I understand the need for limits, but 2500 rows x 7 columns?! This isn't exactly "Big Data."

Thank you for sharing these tools.

Re: Show HN: Connect your bank account to Google Sheets

#20

So this tool helps me share my transaction history with something called Nordigen and... Google? Is this a joke?

Wait until you hear about this company called Plaid (valued at ~13B$) which is used by a lot of FinTech companies to access your bank account. They take your username/password in cleartext and go ahead and scrape and do as they please with the data to prevent fraud (oh and if 2fa blocks them from scraping, they'll ask you to disable it). How is this even remotely acceptable blows my mind. My alternatives to transfer…

I am obviously just such a low roller that I can't even imagine downloading a spreadsheet of recent transactions from my bank's website being a genuine pain point.
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