[Feature] Alternative to GoCardless

[Roguyt]

Verified feature request does not already exist?

• I have searched and found no existing issue

💻

• Would you like to implement this feature?

Pitch: what problem are you trying to solve?

Hi,

I'm starting to use Actual and wanted to setup GoCardless API given my bank is supported by their BankAccountData API.
However, after struggling to create a non business account, i contacted the support to get some info and they basically told me that for new customers, they discontinued the API for personal users.

Is there any plan or alternative that could be implemented inside Actual ? I know Bankin API can be hijacked a tiny bit to recover my transactions, but I'm not sure that's viable long term.

Thanks !

Describe your ideal solution to this problem

No response

Teaching and learning

No response

[github-actions]

✨ Thanks for sharing your idea! ✨

This repository uses a voting-based system for feature requests. While enhancement issues are automatically closed, we still welcome feature requests! The voting system helps us gauge community interest in potential features. We also encourage community contributions for any feature requests marked as needing votes (just post a comment first so we can help guide you toward a successful contribution).

The enhancement backlog can be found here: https://github.com/actualbudget/actual/issues?q=label%3A%22needs+votes%22+sort%3Areactions-%2B1-desc+

Don’t forget to upvote the top comment with 👍!

[mircogericke]

Alternatives are few and far between and the only free option I could find is the Enable Banking API. They allow free usage for bank accounts linked directly to your API login. I'd love to have an integration for it.

[pogman-code]

I use woob to generate OFX files for my account.
I was wondering recently if it could be directly integrated to actual like gocardless is.

See: https://woob.tech/applications/bank.html

[amrawadk]

FYI, I built Lunch Flow which integrates with multiple open banking providers, including Gocardless. I'd be happy to build an integration with Actual Budget if there is interest from the community 😀

Unlike Enable Banking's developer access, it'd be a paid service, although only a few pounds a month, to ensure the service is sustainable and well maintained. But the upside is you get a well maintained product, which is constantly getting updated based on feedback, and you get Gocardless coverage, which I believe is bigger than Enable Banking's coverage.

[Kidglove57]

@amrawadk I came across Lunchflow when I was trialling Lunch Money. As an alternative where Plaid was not available. So I can see that you already have a track record with an established app.

Being entirely selfish the benefit for me would be that it would include UK banks, which Enable does not and that it is likely to be more sustainable than any “free” offering.