[Feature] Open Banking from Brazil #1685

@github-actions[bot] commented on GitHub (Dec 17, 2024):

✨ Thanks for sharing your idea! ✨

This repository uses lodash style issue management for enhancements. That means enhancement issues are automatically closed. This doesn’t mean we don’t accept feature requests, though! We will consider implementing ones that receive many upvotes, and we welcome contributions for any feature requests marked as needing votes (just post a comment first so we can help you make a successful contribution).

The enhancement backlog can be found here: https://github.com/actualbudget/actual/issues?q=label%3A%22needs+votes%22+sort%3Areactions-%2B1-desc+

Don’t forget to upvote the top comment with 👍!

@github-actions[bot] commented on GitHub (Dec 17, 2024): :sparkles: Thanks for sharing your idea! :sparkles: This repository uses lodash style issue management for enhancements. That means enhancement issues are automatically closed. This doesn’t mean we don’t accept feature requests, though! We will consider implementing ones that receive many upvotes, and we welcome contributions for any feature requests marked as needing votes (just post a comment first so we can help you make a successful contribution). The enhancement backlog can be found here: https://github.com/actualbudget/actual/issues?q=label%3A%22needs+votes%22+sort%3Areactions-%2B1-desc+ Don’t forget to upvote the top comment with 👍!

GiteaMirror commented

@lelemm commented on GitHub (Dec 17, 2024):

Hi @phalkmin I tried to register myself as a developer in open finance and that's a no deal.

There are so many requirements from Banco Central to be a partner that is marginally impossible to a opensource software to become one.

It would need Actual to be a company and have a branch here in Brazil
It must be a fintech or a bank located in Brazil

There are other requirements that I can't remember. I tried this like 6 months ago.

Probably would be more feasible to connect into an already partner and pay monthly for their service (like SimpleFin in other countries)

@lelemm commented on GitHub (Dec 17, 2024): Hi @phalkmin I tried to register myself as a developer in open finance and that's a no deal. There are so many requirements from Banco Central to be a partner that is marginally impossible to a opensource software to become one. - It would need Actual to be a company and have a branch here in Brazil - It must be a fintech or a bank located in Brazil There are other requirements that I can't remember. I tried this like 6 months ago. Probably would be more feasible to connect into an already partner and pay monthly for their service (like SimpleFin in other countries)

GiteaMirror commented

@phalkmin commented on GitHub (Dec 17, 2024):

Bro, that's a bummer :(

I'll check this SimpleFin solution, anything that keeps me from uploading CSVs is good, thanks!

@phalkmin commented on GitHub (Dec 17, 2024): Bro, that's a bummer :( I'll check this SimpleFin solution, anything that keeps me from uploading CSVs is good, thanks!

GiteaMirror commented

@lelemm commented on GitHub (Dec 17, 2024):

simplefin does not work in Brazil. you would have to find a company here I Brazil that does this. As far as I can tell, for pessoal fisica the is none, just for pessoa juridica

@lelemm commented on GitHub (Dec 17, 2024): simplefin does not work in Brazil. you would have to find a company here I Brazil that does this. As far as I can tell, for pessoal fisica the is none, just for pessoa juridica

GiteaMirror commented

@lelemm commented on GitHub (Dec 17, 2024):

anything that keeps me from uploading CSVs is good, thanks!

Since I don't use money (paper), I almost at the point to start importing bank notifications from my phone into Actual to not deal with CSV and OFX lol

@lelemm commented on GitHub (Dec 17, 2024): > anything that keeps me from uploading CSVs is good, thanks! Since I don't use money (paper), I almost at the point to start importing bank notifications from my phone into Actual to not deal with CSV and OFX lol

GiteaMirror commented

@phalkmin commented on GitHub (Dec 17, 2024):

🥺

@phalkmin commented on GitHub (Dec 17, 2024): 🥺

GiteaMirror commented

@phalkmin commented on GitHub (Dec 17, 2024):

Since I don't use money (paper), I almost at the point to start importing bank notifications from my phone into Actual to not deal with CSV and OFX lol

I'm going to use a self-hosted solution, don't know how much work I'll need to automate this. Let me try Actual for a few weeks and see how it goes.

@phalkmin commented on GitHub (Dec 17, 2024): > Since I don't use money (paper), I almost at the point to start importing bank notifications from my phone into Actual to not deal with CSV and OFX lol I'm going to use a self-hosted solution, don't know how much work I'll need to automate this. Let me try Actual for a few weeks and see how it goes.

GiteaMirror commented

@lelemm commented on GitHub (Dec 17, 2024):

Since I don't use money (paper), I almost at the point to start importing bank notifications from my phone into Actual to not deal with CSV and OFX lol

I'm going to use a self-hosted solution, don't know how much work I'll need to automate this. Let me try Actual for a few weeks and see how it goes.

Did you find a self hosted solution for open finance?
I'm interested lol

@lelemm commented on GitHub (Dec 17, 2024): > > Since I don't use money (paper), I almost at the point to start importing bank notifications from my phone into Actual to not deal with CSV and OFX lol > > I'm going to use a self-hosted solution, don't know how much work I'll need to automate this. Let me try Actual for a few weeks and see how it goes. Did you find a self hosted solution for open finance? I'm interested lol

GiteaMirror commented

@felipeagc commented on GitHub (Dec 20, 2024):

@lelemm I found a solution called pluggy.ai, they have a free API for developers that you can use to fetch your bank transactions through open finance in brazil (haven't tested though). I'm wondering if we could add this to Actual, I'm very interested as well.

@felipeagc commented on GitHub (Dec 20, 2024): @lelemm I found a solution called pluggy.ai, they have a free API for developers that you can use to fetch your bank transactions through open finance in brazil (haven't tested though). I'm wondering if we could add this to Actual, I'm very interested as well.

GiteaMirror commented

@lelemm commented on GitHub (Dec 20, 2024):

@lelemm I found a solution called pluggy.ai, they have a free API for developers that you can use to fetch your bank transactions through open finance in brazil (haven't tested though). I'm wondering if we could add this to Actual, I'm very interested as well.

Based on the API, it does work for personal accounts, not only for companies like most.
BUT

and the price outrageous:

@lelemm commented on GitHub (Dec 20, 2024): > @lelemm I found a solution called pluggy.ai, they have a free API for developers that you can use to fetch your bank transactions through open finance in brazil (haven't tested though). I'm wondering if we could add this to Actual, I'm very interested as well. Based on the API, it does work for personal accounts, not only for companies like most. BUT ![image](https://github.com/user-attachments/assets/6a7c56f9-b666-43ab-a27e-d61f7f87b147) and the price outrageous: ![image](https://github.com/user-attachments/assets/2b4415d9-d648-4a4c-a872-d1d3c423fc6c)

GiteaMirror commented

@lelemm commented on GitHub (Dec 20, 2024):

@felipeagc I found a interesting site that lists all partners in open banking
https://dashboard.openfinancebrasil.org.br/transactional-data/ranking/receivers

One idea is navigate into each site and check if they sell something affordable for a normal person lol

@lelemm commented on GitHub (Dec 20, 2024): @felipeagc I found a interesting site that lists all partners in open banking https://dashboard.openfinancebrasil.org.br/transactional-data/ranking/receivers One idea is navigate into each site and check if they sell something affordable for a normal person lol

GiteaMirror commented

@felipeagc commented on GitHub (Dec 20, 2024):

@lelemm They seem to have two different offerings, the one you looked at is for companies :P. The other is this one: https://meu.pluggy.ai/en - it seems to be free for individual developers. I haven't tested it yet, though.

(Source of the screenshot is just scrolling down this page: https://www.pluggy.ai/en)

@felipeagc commented on GitHub (Dec 20, 2024): @lelemm They seem to have two different offerings, the one you looked at is for companies :P. The other is this one: https://meu.pluggy.ai/en - it seems to be free for individual developers. I haven't tested it yet, though. <img width="1120" alt="image" src="https://github.com/user-attachments/assets/0a493642-1143-46e1-8f0e-f057e3d8084f" /> (Source of the screenshot is just scrolling down this page: https://www.pluggy.ai/en)

GiteaMirror commented

@lelemm commented on GitHub (Dec 20, 2024):

oh, thats look nice

@lelemm commented on GitHub (Dec 20, 2024): oh, thats look nice

GiteaMirror commented

@lelemm commented on GitHub (Dec 20, 2024):

https://github.com/OpenBanking-Brasil/specs-directory/tree/main/conformance
I can't find pluggy there. looks sus

@lelemm commented on GitHub (Dec 20, 2024): https://github.com/OpenBanking-Brasil/specs-directory/tree/main/conformance I can't find pluggy there. looks sus

GiteaMirror commented

@felipeagc commented on GitHub (Dec 20, 2024):

https://github.com/OpenBanking-Brasil/specs-directory/tree/main/conformance I can't find pluggy there. looks sus

I think that's because they're not a bank, they just consume the open finance APIs from the banks (after you give them consent to fetch data from your accounts) and hand the response back to you.

@felipeagc commented on GitHub (Dec 20, 2024): > https://github.com/OpenBanking-Brasil/specs-directory/tree/main/conformance I can't find pluggy there. looks sus I think that's because they're not a bank, they just consume the open finance APIs from the banks (after you give them consent to fetch data from your accounts) and hand the response back to you.

GiteaMirror commented

@lelemm commented on GitHub (Dec 20, 2024):

I tried to add an account, didn't work.
I will try again in the morning

@lelemm commented on GitHub (Dec 20, 2024): I tried to add an account, didn't work. I will try again in the morning

GiteaMirror commented

https://github.com/pluggyai/meu-pluggy

@lelemm commented on GitHub (Dec 20, 2024):

@lelemm commented on GitHub (Dec 20, 2024): https://github.com/pluggyai/meu-pluggy

GiteaMirror commented

@lelemm commented on GitHub (Dec 20, 2024):

does work @felipeagc

When I have some time I will do this if someone else doesnt

@lelemm commented on GitHub (Dec 20, 2024): ![image](https://github.com/user-attachments/assets/40b67309-f108-4234-b341-8ff7b9c5903d) does work @felipeagc When I have some time I will do this if someone else doesnt

GiteaMirror commented

@phalkmin commented on GitHub (Dec 20, 2024):

oh god it's happening

@phalkmin commented on GitHub (Dec 20, 2024): oh god it's happening

GiteaMirror commented

@felipeagc commented on GitHub (Dec 23, 2024):

@lelemm @phalkmin I made a quick and dirty solution: https://github.com/felipeagc/pluggy-actual-export. It can either export transactions directly to Actual or to OFX files that you can import into Actual. I also deployed it to AWS lambda and made it run on a schedule every night at 00:00. Seems to work pretty well so far :)

@felipeagc commented on GitHub (Dec 23, 2024): @lelemm @phalkmin I made a quick and dirty solution: https://github.com/felipeagc/pluggy-actual-export. It can either export transactions directly to Actual or to OFX files that you can import into Actual. I also deployed it to AWS lambda and made it run on a schedule every night at 00:00. Seems to work pretty well so far :)

GiteaMirror commented

@lelemm commented on GitHub (Dec 27, 2024):

just a teaser:

@lelemm commented on GitHub (Dec 27, 2024): just a teaser: ![image](https://github.com/user-attachments/assets/9025248f-1270-4311-a724-b74a8af8d24d)

GiteaMirror commented

@lelemm commented on GitHub (Dec 27, 2024):

@lelemm @phalkmin I made a quick and dirty solution: https://github.com/felipeagc/pluggy-actual-export. It can either export transactions directly to Actual or to OFX files that you can import into Actual. I also deployed it to AWS lambda and made it run on a schedule every night at 00:00. Seems to work pretty well so far :)

Nice one!!! I started the final solution on my spare time at work. There is a lot to do yet, but its taking shape :)

@lelemm commented on GitHub (Dec 27, 2024): > @lelemm @phalkmin I made a quick and dirty solution: https://github.com/felipeagc/pluggy-actual-export. It can either export transactions directly to Actual or to OFX files that you can import into Actual. I also deployed it to AWS lambda and made it run on a schedule every night at 00:00. Seems to work pretty well so far :) Nice one!!! I started the final solution on my spare time at work. There is a lot to do yet, but its taking shape :)

GiteaMirror commented

@phalkmin commented on GitHub (Dec 27, 2024):

Can't wait to finally use Actual with automatic sync :D

@phalkmin commented on GitHub (Dec 27, 2024): Can't wait to finally use Actual with automatic sync :D

GiteaMirror commented

@lelemm commented on GitHub (Dec 27, 2024):

👀

@lelemm commented on GitHub (Dec 27, 2024): ![image](https://github.com/user-attachments/assets/1b2472f5-547f-4804-add8-4a66326c6247) 👀

GiteaMirror commented

@phalkmin commented on GitHub (Dec 27, 2024):

Let me know if you want a tester

@phalkmin commented on GitHub (Dec 27, 2024): Let me know if you want a tester

GiteaMirror commented

2026-02-28 19:51:05 -06:00

@lelemm commented on GitHub (Dec 27, 2024):

If you wanna try it:
https://github.com/lelemm/actual/tree/pluggy.ai
https://github.com/lelemm/actual-server/tree/feature/pluggy.ai

You will have to build it from these branches. It's important to point the server's @actual-app/web package to reference the /packages/desktop-client that you built locally. like this:

@lelemm commented on GitHub (Dec 27, 2024): If you wanna try it: https://github.com/lelemm/actual/tree/pluggy.ai https://github.com/lelemm/actual-server/tree/feature/pluggy.ai You will have to build it from these branches. It's important to point the server's `@actual-app/web` package to reference the /packages/desktop-client that you built locally. like this: ![image](https://github.com/user-attachments/assets/e6b4fc75-24df-403f-bd92-dca048b67528)

GiteaMirror commented

@igorsantos07 commented on GitHub (Dec 28, 2024):

Damn, this is not fair. I've just spent a couple of days updating my spreadsheets for 2025, and now I just discovered Actual. I'll have to spend a couple of days more to get Actual into shape for automatic syncing with pluggy??? Why didn't any of you guys tell me of this amazing development before I started updating my budget spreadsheets??? Damn 😂

I'll look around about installing Actual and could very well sign up for testing too!

Edit: after spending a couple of hours trying out the live demo, it turns out I wouldn't be able to migrate my spreadsheet workflow to Actual - I have separate savings objectives (emergencies, trips, time-off, etc) which doesn't seem to correlate well with either accounts or categories under Actual.

I might come back in the future, though, in case I really need a detailed tracking of my expenses, but so far the high level tracking I do with Excel is enough, albeit sometimes error-prone 😂 No luck finding a way to automate credit card bill payments on Actual, either.
Good luck, though, as supporting OpenBanking with such app would be gorgeous!

@igorsantos07 commented on GitHub (Dec 28, 2024): Damn, this is not fair. I've just spent a couple of days updating my spreadsheets for 2025, and now I just discovered Actual. I'll have to spend a couple of days more to get Actual into shape for automatic syncing with pluggy??? Why didn't any of you guys tell me of this amazing development before I started updating my budget spreadsheets??? Damn :joy: I'll look around about installing Actual and could very well sign up for testing too! --------- **Edit:** after spending a couple of hours trying out the live demo, it turns out I wouldn't be able to migrate my spreadsheet workflow to Actual - I have separate savings objectives (emergencies, trips, time-off, etc) which doesn't seem to correlate well with either accounts or categories under Actual. I might come back in the future, though, in case I really need a detailed tracking of my expenses, but so far the high level tracking I do with Excel is enough, albeit sometimes error-prone :joy: No luck finding a way to automate credit card bill payments on Actual, either. Good luck, though, as supporting OpenBanking with such app would be gorgeous!

GiteaMirror commented

2026-02-28 19:51:05 -06:00

@douugdev commented on GitHub (Dec 28, 2024):

Just bumping this as it will be such a useful feature. Thanks for looking into it @lelemm!

@douugdev commented on GitHub (Dec 28, 2024): Just bumping this as it will be such a useful feature. Thanks for looking into it @lelemm!

GiteaMirror commented

2026-02-28 19:51:05 -06:00

@lelemm commented on GitHub (Dec 30, 2024):

Damn, this is not fair. I've just spent a couple of days updating my spreadsheets for 2025, and now I just discovered Actual. I'll have to spend a couple of days more to get Actual into shape for automatic syncing with pluggy??? Why didn't any of you guys tell me of this amazing development before I started updating my budget spreadsheets??? Damn 😂

I'll look around about installing Actual and could very well sign up for testing too!

Edit: after spending a couple of hours trying out the live demo, it turns out I wouldn't be able to migrate my spreadsheet workflow to Actual - I have separate savings objectives (emergencies, trips, time-off, etc) which doesn't seem to correlate well with either accounts or categories under Actual.

I might come back in the future, though, in case I really need a detailed tracking of my expenses, but so far the high level tracking I do with Excel is enough, albeit sometimes error-prone 😂 No luck finding a way to automate credit card bill payments on Actual, either. Good luck, though, as supporting OpenBanking with such app would be gorgeous!

Did you check the goal templates? https://actualbudget.org/docs/experimental/goal-templates
This is probably what you are missing

@lelemm commented on GitHub (Dec 30, 2024): > Damn, this is not fair. I've just spent a couple of days updating my spreadsheets for 2025, and now I just discovered Actual. I'll have to spend a couple of days more to get Actual into shape for automatic syncing with pluggy??? Why didn't any of you guys tell me of this amazing development before I started updating my budget spreadsheets??? Damn 😂 > > I'll look around about installing Actual and could very well sign up for testing too! > > **Edit:** after spending a couple of hours trying out the live demo, it turns out I wouldn't be able to migrate my spreadsheet workflow to Actual - I have separate savings objectives (emergencies, trips, time-off, etc) which doesn't seem to correlate well with either accounts or categories under Actual. > > I might come back in the future, though, in case I really need a detailed tracking of my expenses, but so far the high level tracking I do with Excel is enough, albeit sometimes error-prone 😂 No luck finding a way to automate credit card bill payments on Actual, either. Good luck, though, as supporting OpenBanking with such app would be gorgeous! Did you check the goal templates? https://actualbudget.org/docs/experimental/goal-templates This is probably what you are missing

GiteaMirror commented

@lelemm commented on GitHub (Dec 30, 2024):

No luck finding a way to automate credit card bill payments on Actual,

what do you mean @igorsantos07 ?
The OpenBanking integration imports credit card data too

@lelemm commented on GitHub (Dec 30, 2024): > No luck finding a way to automate credit card bill payments on Actual, what do you mean @igorsantos07 ? The OpenBanking integration imports credit card data too

GiteaMirror commented

@igorsantos07 commented on GitHub (Jan 23, 2025):

@lelemm I expected Actual to ask me the day my statement closes, and when my credit card bill is paid on a specific account (as Organizze used to do, at least when I used it many years ago), but it doesn't do that. So it seems a bit more troublesome to handle credit cards than I expected.

@igorsantos07 commented on GitHub (Jan 23, 2025): @lelemm I expected Actual to ask me the day my statement closes, and when my credit card bill is paid on a specific account (as Organizze used to do, at least when I used it many years ago), but it doesn't do that. So it seems a bit more troublesome to handle credit cards than I expected.

GiteaMirror commented

@piloadami commented on GitHub (Jan 29, 2025):

Hey guys, I've been using AB with my barclays acc in the UK via 'gocardless'. I've now relocated to Brazil and have opened a nubank account online. Am I right to think that I can use AB+nubank and replace 'gocardless' with 'meu.pluggy'? am I also right to think that the difference here is that 'gocardless' offers a front end solution for the integration where as 'meu.pluggy' doesn't so I would have to build forks (hope thats the right term I'm not a dev) in order for it to work?

My AB is hosted on pikapods, would I need to self host it in order to connect to 'meu.pluggy'? any help here much appreciated I'm just a regular dude trying to stay on top of my finances :)

@piloadami commented on GitHub (Jan 29, 2025): Hey guys, I've been using AB with my barclays acc in the UK via 'gocardless'. I've now relocated to Brazil and have opened a nubank account online. Am I right to think that I can use AB+nubank and replace 'gocardless' with 'meu.pluggy'? am I also right to think that the difference here is that 'gocardless' offers a front end solution for the integration where as 'meu.pluggy' doesn't so I would have to build forks (hope thats the right term I'm not a dev) in order for it to work? My AB is hosted on pikapods, would I need to self host it in order to connect to 'meu.pluggy'? any help here much appreciated I'm just a regular dude trying to stay on top of my finances :)

GiteaMirror commented

@matt-fidd commented on GitHub (Jan 29, 2025):

Hey guys, I've been using AB with my barclays acc in the UK via 'gocardless'. I've now relocated to Brazil and have opened a nubank account online. Am I right to think that I can use AB+nubank and replace 'gocardless' with 'meu.pluggy'? am I also right to think that the difference here is that 'gocardless' offers a front end solution for the integration where as 'meu.pluggy' doesn't so I would have to build forks (hope thats the right term I'm not a dev) in order for it to work?

My AB is hosted on pikapods, would I need to self host it in order to connect to 'meu.pluggy'? any help here much appreciated I'm just a regular dude trying to stay on top of my finances :)

There's a change in review to add pluggy support to the UI, you can follow it here https://github.com/actualbudget/actual/pull/4049

@matt-fidd commented on GitHub (Jan 29, 2025): > Hey guys, I've been using AB with my barclays acc in the UK via 'gocardless'. I've now relocated to Brazil and have opened a nubank account online. Am I right to think that I can use AB+nubank and replace 'gocardless' with 'meu.pluggy'? am I also right to think that the difference here is that 'gocardless' offers a front end solution for the integration where as 'meu.pluggy' doesn't so I would have to build forks (hope thats the right term I'm not a dev) in order for it to work? > > My AB is hosted on pikapods, would I need to self host it in order to connect to 'meu.pluggy'? any help here much appreciated I'm just a regular dude trying to stay on top of my finances :) There's a change in review to add pluggy support to the UI, you can follow it here https://github.com/actualbudget/actual/pull/4049

GiteaMirror commented