KPLSD

I do auto-import in the US and it's pretty nice. I still manually enter in things at the end of the month (otherwise they might not clear for a few days and eat out of the next month's budget). But it does a good job of recognizing when it auto-imports a transaction you already entered manually so you don't get duplicates.

The budgeting part of what you're describing is basically YNAB. https://app.youneedabudget.com/ It's a set of virtual buckets for allocating what money you currently have. It's not free but it's great because when one bucket's empty, it forces you to choose where else that money is going to come from. Like, "OK you blew threw the beer money, dum dum. Do you want to steal from your vacation fund or the new computer fund." After using it, I would argue that the ideas of "budgeting" and "without any effort on my part" are not compatible. You have to make hard decisions with limited resources and a good budgeting system should automatically bring those hard decisions to your attention and not just let you see how you screwed up with a pretty graph a month later (cough, Mint).

Also, many people use it without auto-import, but then you obviously have to be rigorous about entering in transactions. Anyway, it's an option.