The biggest hurdle for me with these tools is CSV import - banks are so crappy with them. If only we had a universal banking API system that all these tools could tap into. "Challenger" banks like Monzo and N26 and so on could unite behind a form of OAuth for banks that would kick ass.
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 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.
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.
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.
