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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)

Bro, that's a bummer :(

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

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

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

🥺

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.

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 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.

@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:

@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 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)

oh, thats look nice

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

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.

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

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

does work @felipeagc

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

oh god it's happening

@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 :)

just a teaser:

@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 :)

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

👀

Let me know if you want a tester

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:

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!

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

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

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