And an open standard for digital receipts. If I could get a record of what I purchased at the store it would be amazing.

I don't know about other areas, but in Europe there is such a standard (called FinTS) and there are libraries for every language. I actually once wrote a python tool that did something similar to this app.

I thought that was Germany-only?

I feel ya. I wrote a script to reformat my bank's CSV export to make it easier to work with for OnTrack [0]. I imagine it wouldn't take too much work to write a script that reformats and combines multiple sources.

0: https://github.com/inoda/ontrack/blob/master/lib/csv_helper....

I'm guessing the reason these universal API's don't exist is because there would be no business model and hence no billion dollar companies. However, Europe's PSD2 regulation was essentially launched to establish these open API's for banking

I watched a bank CEO claim the security of their customer's data was the reason it was tightly controlled and API access was only available to their trusted partners for the purposes of running credit checks and other things that make the bank's own life easier. They also followed that up with a spiel about how open to competition they are.

If N26 is an important part of this I will not use it.

They have a track record of handling security in a way that would cause nightmares for me if I had an account there.

Edit:

We could solve the CSV import/export issues with templates for each bank until there is a usable standard maybe.

You may find https://github.com/reubano/csv2ofx useful. It coverts csv files to qif and ofx. It has built in support for numerous banks, and can be easily customized to parse unsupported csv formats.

So OFX? https://en.wikipedia.org/wiki/Open_Financial_Exchange

Yep OFX imports to YNAB classic work fine for me. QIF too and indeed CSV. Whatever code they use to import is pretty robust I guess.