I wasn’t sure where to ask this, so please feel free to direct me to a different community if there’s a good one for this question.
Are there any US banks that allow their clients programmatic access to their own data? As far as I’m aware, that’s not really a thing in the US, but I might be willing to switch banks if there are any that provide access.
I explicitly don’t want to provide full banking credentials to third parties.
I’d like to get transactions to import into my budgeting app (Actual).
I don’t blame you re the third party - I wouldn’t either. I generally download a transaction file periodically and import it locally using the app. I think you’re going to find it difficult to find an API that will allow little people access, even though they are obviously happy to offer that to the big companies. Some of the brokerages have checking accounts and it might be possible to pull the transaction data via the brokers API (maybe), but whichever way you look at it, I suspect the most pragmatic solution is probably going to be a download/import of some kind.
I haven’t seen a way to pull from, for example, Fidelity or Vanguard.
I’m hoping some forward-thinking online bank is going to come along and offer clients readonly access to their own financial information. It seems like such a simple and logical thing, and yet nobody does it.