beancount-openbanking-io

A Beancount / beangulp importer for open-banking.io — zero-knowledge PSD2 bank sync for EEA & UK banks.

Transactions arrive as zero-knowledge encrypted envelopes and are decrypted locally by the official open-banking-io SDK with a key only you hold. Your statement is never readable off your machine — a good fit for a plaintext-accounting ledger you keep yourself.

Why

If you sync EU/UK banks into Beancount, your options have been thinning out:

• GoCardless / Nordigen stopped approving new personal Bank-Account-Data accounts, and imposes a 4-requests-per-account-per-day rate limit that breaks routine imports.
• Other aggregators terminate your bank connection in the clear on their servers.

open-banking.io is an alternative built for self-hosters: client-side decryption, no eIDAS certificate to obtain, no per-account daily rate-limit wall.

Install

pip install beancount-openbanking-io

This pulls in beancount, beangulp, and the open-banking-io SDK.

Configure

Export your credentials bundle from the open-banking.io dashboard, then create a small YAML file whose name ends in openbanking.yaml:

# myfinances.openbanking.yaml
credentials: ./open-banking.io-credentials.json   # path is relative to this file
accounts:
  - id: f1345859-....          # open-banking.io account id (from client.get_accounts())
    account: Assets:Bank:Nordea:Checking
    currency: DKK              # optional guard
    counterpart: Expenses:Uncategorized   # optional; default holding account for the other leg
    assert_balance: true       # optional: emit a booked-balance (ITBD) assertion

To list your account ids:

from open_banking_io import OpenBankingClient

with OpenBankingClient.from_credentials("open-banking.io-credentials.json") as client:
    for account in client.get_accounts():
        print(account.id, account.aspsp_name, account.currency, account.iban)

Use

Wire it into your beangulp import script like any other importer:

# import.py
import beangulp
from beancount_openbanking_io import OpenBankingImporter

if __name__ == "__main__":
    beangulp.Ingest([OpenBankingImporter()]).main()

python import.py extract myfinances.openbanking.yaml >> ledger.beancount

Re-running is safe: each entry is stamped with its stable open-banking.io transaction id (obio-id), so already-imported transactions are skipped.

Mapping

Each transaction gets a second, amount-elided posting to the counterpart account (default Expenses:Uncategorized) so entries balance on import; reclassify it later (e.g. with smart_importer). Transactions whose direction cannot be determined are skipped, never imported with a guessed sign.

License

MIT — see LICENSE.