this post was submitted on 26 Oct 2023
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A self-hosted banking agregator? (alien.top)
submitted 10 months ago by [email protected] to c/[email protected]
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Banking agregator can be a little bit scary because you basically give your bank credentials to a third-party.

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But what if the Third-Party app is actually yours and hosted on your premises?

Is there a such selfhosted and/or opensource project?

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Thanks!

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[–] [email protected] 1 points 10 months ago (3 children)

I would be extremely surprised if there was one, as there are about 70000 banks in the US.

Some of the large banks now have APIs to access their data, but those aren't publicly available.

Most smaller banks and credit unions don't have a public API, so apps like Mint rely on web scraping. That's a huge and expensive undertaking, considering that web sites change constantly and all the scraping could has to be adjusted for it.

Companies like Intuit are willing to invest the time it takes to keep up because they can sell your data (I guess) or sell you additional products. I don't see how the open source community could keep up with this.

[–] [email protected] 1 points 10 months ago (2 children)

In Europe there is the PSD2 law with wide spread implementation of mandated APIs by banks.

[–] [email protected] 1 points 10 months ago (1 children)

For PSD2 exists a project named Hibiskus. Its a Desktop tool to manage your finances. It syncs over PSD2 with the bank.

There is also a server version of Hibiskus. It syncronises after a schedule with your bank and provide the data over a well documented REST-Api.

https://www.willuhn.de/products/hibiscus-server/

The project website only exists in german.

I'm running a self hosted combination of hibiscus and firefly III to fully manage my finances with automatic synchonisation.

  1. Hibskus Server syncronise with my bank accounts
  2. Node-Red query's the REST Api and creates a csv file
  3. the csv file is read by the firefly III importer

Not the simplest way, but fully self hosted. I really don't want to provide my bank statements to a 3rd party

[–] [email protected] 1 points 10 months ago

That sounds really interesting, I'm looking forward to a tool like that... Are you German? I'm French, I don't speak German, I looked a little at the Hibiscus site but I think it only works with German banks (supporting FinTS), and not with all European banks? Thanks