Appreciate the feedback. There's also a connected mode leveraging Plaid where transactions pass through servers memory and never stored. Outside the US, CSV is the only path for now otherwise agree CSV export is a chore for multi-bank users.
You could add support for something like simplefin.org, which provides an API for connecting to many different financial orgs. It is what I have been using for my local setup with Actual budget.
A lot of banks make it easier to export PDF statements. I wonder if you could try adding the ability to extract transactions from a PDF. I've been working on something more limited (extracting just the account balance) with Qwen3 4B with decent success.
There’s similar support from many banks in many countries. But obviously will be a bunch of work to support them all.
It also requires you generally to trust some third party with your data.
Here’s an API one for Australia / New Zealand / USA: https://redbark.com/developers