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Update README.org
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axeoman committed Aug 25, 2023
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You Need a Budget (https://www.ynab.com/) does not have integrations with many European banks (e.g. Finland OP or SPankki) but there is at least one free API that can grab data from them: GoCardless (https://gocardless.com/ formerly Nordigen).

This tool allows you to sync between your bank account (if it is supported by GoCardless) and upload transactions to YNAB on a regular basis (e.g. crontab job could suffice). This is much better than converting CSVs from banks and uploading them manually to YNAB on a weekly basis.
This tool allows you to upload transactions from your bank account (if it is supported by GoCardless) to YNAB budget on a regular basis (e.g. crontab job could suffice). This is much easier than converting CSVs from banks and uploading them manually to YNAB.

Personally, I started to use that in July 2023 for my main budget with OP and SPankki banks and not facing any issues anymore with it (have a separate cron job for each bank account that runs ~upload~ command 5 times per day).
Personally, I started to use that in July 2023 for my main YNAB Budget with OP and SPankki banks and not facing any issues anymore with it (have a separate cron job for each bank account that runs ~upload~ command 5 times per day).

* Before you start, disclaimer:
* Disclaimer
This tool is still in MVP state: developed poorly and fastest way possible. Alpha version I would say.

So these are things that may irritate you:
- Too hard to start for a non-developer (getting all those IDs is still manual)
- poor error handling (there are a lot of cases when you *will* encounter hard-to-understand errors because of a random bug, unexpected API response, etc..)


* Before you start
Currently in order to use the tool you need at least Python version 3.11.

You also need to obtain credentials:
- Secret ID and Secret Key from your GoCardless account (you can create one free of charge)
- YNAB access token (you can grab it from https://app.ynab.com/settings/developer)

* Quickstart
* How-to

Clone this repository:
#+begin_src sh
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