Difference between revisions of "AqBanking"

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'''[http://aquamaniac.de Aquamaniac]s Banking''' ([https://translate.google.com/translate?hl=de&sl=auto&tl=en&u=https%3A%2F%2Fwww.aquamaniac.de%2Frdm%2F translation]) is a library for online banking. It provides:
+
<!-- Translators: Add your language to this table. -->
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{| class="wikitable" style="margin: auto;"
 +
! scope="row"|Languages
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| [[de/Online-Banking|Deutsch]]
 +
<!--| [[es/{{PAGENAME}}|Español]]
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| [[fr/{{PAGENAME}}|Français]]
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| [[He/גנוקאש|עִברִית]]
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| [[pt/{{PAGENAME}}|Português]]
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| [[Zh-hans/{{PAGENAME}}|简体中文]] -->
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|}
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Online Banking is in GnuCash realized by the package AqBanking—''' Aquamaniac's Banking''' by Martin Preuß. It contains several ''tools'', a ''library'' and a few separate ''helper libraries''.
 +
 
 +
At [{{URL:AB}} aquamaniac.de] ([https://translate.google.com/translate?hl=de&sl=auto&tl=en&u=https%3A%2F%2Fwww.aquamaniac.de%2Frdm%2F machine translation]) are availabe:
 +
* the most recent versions inclusive manual,
 +
* the most recent infos, user tips … in the [{{URL:AB}}rdm/projects/aqbanking/wiki AqBanking Wiki],
 +
* the [{{URL:AB-ML}}listinfo/aqbanking-user Mailinglist aqbanking-user], and finally
 +
* to report problems a [{{URL:AB}}rdm/projects/aqbanking/issues bugtracker]—but before you should have read [{{URL:AB}}rdm/projects/aqbanking/wiki/Bugreports AqBanking: Fehler oder Probleme melden]!
 +
:;Note:In times of heavy spam registration is disabled. Then ask on its mailing list.
 +
 
 +
==Coverage==
 +
Currently offered methods:
 
* bidirectional, sending of orders possible:
 
* bidirectional, sending of orders possible:
 
** the german ''Financial Transaction Services'' ('''[https://www.hbci-zka.de/ FinTS]''') standard with
 
** the german ''Financial Transaction Services'' ('''[https://www.hbci-zka.de/ FinTS]''') standard with
 
*** classical '''''h'''ome '''b'''anking '''c'''ommon '''i'''nterface'' (HBCI) by asymetric key encryption or
 
*** classical '''''h'''ome '''b'''anking '''c'''ommon '''i'''nterface'' (HBCI) by asymetric key encryption or
 
*** modern ''PIN/TAN'' (2 step authentication) methods;
 
*** modern ''PIN/TAN'' (2 step authentication) methods;
** ''Electronic Banking Internet Communication Standard'' '''[https://en.wikipedia.org/wiki/Electronic_Banking_Internet_Communication_Standard EBICS]''', used in AT, CH, DE and FR,
+
** ''Electronic Banking Internet Communication Standard'' '''[https://en.wikipedia.org/wiki/Electronic_Banking_Internet_Communication_Standard EBICS]''', availabe for business clients in AT, CH, DE and FR,
* unidirctional, query only:
+
*: but because neither AqBanking nor GnuCash devs have access to an test server, upload is ''currently not implemented''. The AqBanking team is searching for users, who volunteer to test on implementing the upload.
 +
* unidirectional, query only:
 
** '''[[Setting up OFXDirectConnect|OFX Direct Connect]]''', used mainly in the US, and
 
** '''[[Setting up OFXDirectConnect|OFX Direct Connect]]''', used mainly in the US, and
 
** since AqBanking 5.7.8.0stable '''Paypal'''.
 
** since AqBanking 5.7.8.0stable '''Paypal'''.
The current Gnucash {{Version}} bundles contain Aqbanking {{AqB_Version}}.
+
The recent ''stable'' GnuCash {{Version}} bundles contain Aqbanking {{AqB_Version}}, the nightly ''test'' versions {{AqB Version nightly}}.
:Deutsche Version: [[De/Online-Banking]] (German version of this page)
+
:;Source: [{{URL:AB}}rdm/projects/aqbanking/wiki/AqBanking6#Aktueller-Status-der-Backends-in-AqBanking6]
  
 
== Compatibility ==
 
== Compatibility ==
 
[[GnuCash]] compiles with many available versions of <tt>AqBanking</tt> and it's helper library <tt>Gwenhywfar</tt>, except for combinations of new gnucash with old aqbanking and vice versa.
 
[[GnuCash]] compiles with many available versions of <tt>AqBanking</tt> and it's helper library <tt>Gwenhywfar</tt>, except for combinations of new gnucash with old aqbanking and vice versa.
  
== Determinating the Versions ==
+
=== Determinating the Versions ===
 
 
 
To see your current versions, use the command {{Shell Versions}} or, if you are using a [[Flatpak]]: {{Flatpak Versions}}
 
To see your current versions, use the command {{Shell Versions}} or, if you are using a [[Flatpak]]: {{Flatpak Versions}}
 
In this example you can see, that the user had built a more recent version of GnuCash, but the nightly Flatpak had a more recent AqBanking than her distribution.
 
In this example you can see, that the user had built a more recent version of GnuCash, but the nightly Flatpak had a more recent AqBanking than her distribution.
Line 44: Line 64:
 
::::; QR code: can be decoded by smartphones.
 
::::; QR code: can be decoded by smartphones.
 
::::; Photo TAN: The TAN is sent as a photo.
 
::::; Photo TAN: The TAN is sent as a photo.
:;Tip: There is a more precise description: [https://www.aquamaniac.de/rdm/projects/aqbanking/wiki/ImplementTanMethods Aqbanking Wiki: Implement Tan Methods]
+
:;Tip: There is a more precise description: [{{URL:AB}}rdm/projects/aqbanking/wiki/ImplementTanMethods Aqbanking Wiki: Implement Tan Methods]
 
:;Note: For this standard methods some banks use own names created by their marketing department like sm@rtTAN.
 
:;Note: For this standard methods some banks use own names created by their marketing department like sm@rtTAN.
 
.
 
.
Line 54: Line 74:
 
If there are any problems during the HBCI or OFX connection, here are further options for debugging:
 
If there are any problems during the HBCI or OFX connection, here are further options for debugging:
 
# In Gnucash in <tt>Edit->Preferences->Online Banking</tt>:
 
# In Gnucash in <tt>Edit->Preferences->Online Banking</tt>:
## Disable <tt>Close log window when finished</tt>,
+
## Disable <tt>Close log window when finished</tt><ref>This setting affects only GnuCash's dialogs—<tt>Action->…</tt>. Most dialogs of <tt>Tools->Online Banking Setup</tt> are provided by AqBanings library Gwenhywfar.</ref> ,
 
## enable <tt>Verbose debug messages</tt>. Since Gnucash 2.3.x this is related to AQBANKING_LOGLEVEL.
 
## enable <tt>Verbose debug messages</tt>. Since Gnucash 2.3.x this is related to AQBANKING_LOGLEVEL.
 
# To see much more '''log messages''' of aqbanking, you can set several [https://en.wikipedia.org/wiki/Environment_variable environment variables] either before starting gnucash or in the shell script gnucash or gnucash.bat. For example, in a Unix shell you would type <SyntaxHighlight lang="sh>
 
# To see much more '''log messages''' of aqbanking, you can set several [https://en.wikipedia.org/wiki/Environment_variable environment variables] either before starting gnucash or in the shell script gnucash or gnucash.bat. For example, in a Unix shell you would type <SyntaxHighlight lang="sh>
 
# General:
 
# General:
export GWEN_LOGLEVEL=info
+
export GWEN_LOGLEVEL=info # usually only developers need this sometimes.
 
export AQBANKING_LOGLEVEL=info
 
export AQBANKING_LOGLEVEL=info
 
# For OFX:
 
# For OFX:
Line 70: Line 90:
 
::*<tt>warn</tt> (less verbose) or  
 
::*<tt>warn</tt> (less verbose) or  
 
::*<tt>error</tt> (even less verbose, default value).
 
::*<tt>error</tt> (even less verbose, default value).
:However, these log messages are all sent to ''stdout'' or ''stderr'', which on [[Windows]] by default isn't available. To make these available on Windows, you need to change the exetype of ''gnucash-bin.exe'' from "Windows" to "Console", see [[Windows Debugging#Changing the Exetype to See Console Output]].
+
:However, the Gwenhywfar log messages are all sent to ''stdout'' or ''stderr'', which on [[Windows]] by default isn't available. To make these available on Windows, you need to change the exetype of ''gnucash-bin.exe'' from "Windows" to "Console", see [[Windows Debugging#Changing the Exetype to See Console Output]].
 +
:AQBanking log messages are intercepted by a GnuCash callback and added to the [[Trace_file]]. '''N.B.:''' That callback does a second filter on log level so it's necessary to set the AQBanking log level in GnuCash as well as setting the <tt>AQBANKING_LOGLEVEL</tt> by passing the argument <tt>--log aqbanking=xxx</tt> to GnuCash, e.g. <syntaxhighlight lang="sh">
 +
AQBANKING_LOGLEVEL=info gnucash --log aqbanking=info
 +
</syntaxhighlight> or adjust your [[Logging|logging configuration]].
 +
 
 
* Keep in mind that there are many many many different bank servers on this world, and every one of them might behave slightly differently. Hence, if you report a bug, please also state which '''bank server''' you are using (IP address and bank name).
 
* Keep in mind that there are many many many different bank servers on this world, and every one of them might behave slightly differently. Hence, if you report a bug, please also state which '''bank server''' you are using (IP address and bank name).
 
* If there is a '''crash''', it would be good to provide a stack trace of the crash, see [[Stack Trace]].
 
* If there is a '''crash''', it would be good to provide a stack trace of the crash, see [[Stack Trace]].
Line 83: Line 107:
  
 
To enable logging of the '''OFX''' communication to <code>/tmp/ofx.log</code> (with warnings about revealing passwords), see [[Setting up OFXDirectConnect in GnuCash 2#Enabling the OFX Log]].
 
To enable logging of the '''OFX''' communication to <code>/tmp/ofx.log</code> (with warnings about revealing passwords), see [[Setting up OFXDirectConnect in GnuCash 2#Enabling the OFX Log]].
 +
 +
;Anonymization of log files: Before you show your log files to anybody, you should replace ''passworda'', ''PINs'', ''TANs'' and other secrets by <code>X</code>es. Before publishing them e.g. sending to a mailing list, replace also your ''account number''. In theory this can also be done with <syntaxhighlight lang="sh">
 +
aqhbci-tool4 logfile -i $INPUTLOGFILE -o $OUTPUTLOGFILE
 +
</syntaxhighlight> But verify that the program did not miss some.
  
 
=== Config Location ===
 
=== Config Location ===
Most parts are stored by the setup assistent below <tt>$HOME/.aqbanking/</tt>. Gnucash stores only an association in the account's slots in the data file.
+
Most parts are stored by the setup assistent below  
 +
:;Posix: <tt>$HOME/.aqbanking/</tt>
 +
:;Flatpak: <tt>~/.var/app/org.gnucash.Gnucash/aqbanking</tt>.  
 +
 
 +
Gnucash stores only an ''association'' in the account's slots in the '''data file'''.
 
Example from an uncompressed xml file:{{HBCI_Frame}}
 
Example from an uncompressed xml file:{{HBCI_Frame}}
 
:;account-id: The account number.
 
:;account-id: The account number.
Line 105: Line 137:
  
 
* AqBanking:
 
* AqBanking:
** [https://www.aqbanking.de Homepage] mostly in german, includes a
+
** [{{URL:AB}} Homepage] mostly in german, includes a
*** [https://www.aquamaniac.de/rdm/projects/aqbanking/wiki wiki],
+
*** [{{URL:AB}}rdm/projects/aqbanking/wiki wiki],
*** [https://lists.aquamaniac.de/listinfo/aqbanking-user mailing list] and
+
*** [{{URL:AB-ML}}listinfo/aqbanking-user mailing list] and
*** [https://www.aquamaniac.de/rdm/projects/aqbanking/issues bug tracker].
+
*** [{{URL:AB}}rdm/projects/aqbanking/issues bug tracker].
 
** [https://sourceforge.net/projects/aqbanking/ @ Sourceforge] outdated
 
** [https://sourceforge.net/projects/aqbanking/ @ Sourceforge] outdated
 
* EBICS: [http://www.ebics.org/technical-information/ Technical Information]
 
* EBICS: [http://www.ebics.org/technical-information/ Technical Information]
* HBCI, now official called FinTS - Financial Transaction Services:
+
* The former Home Banking Common Interface (HBCI) got complemented by PIN/TAN and is now called FinTS - Financial Transaction Services:
** [http://www.hbci-zka.de/ FinTS - Financial Transaction Services] (former HBCI) specifications, including error codes ... in German.
+
** [https://www.hbci-zka.de/ FinTS - Financial Transaction Services] (former HBCI) specifications, including error codes ... in German.
** <s>[http://www.hbci-zka.de/institute/institut_auswahl.htm Search FinTS capable institutes] and their specific settings</s> is no longer public available.
+
** <s>[https://www.hbci-zka.de/institute/institut_auswahl.htm Search FinTS capable institutes] and their specific settings</s> is no longer public available.
 
<!-- Fell  is still searching for another source
 
<!-- Fell  is still searching for another source
 
, requires  
 
, requires  
 
*** former german routing number ("Bankleitzahl") or  
 
*** former german routing number ("Bankleitzahl") or  
 
*** name ("Institut") and place ("Ort") -->
 
*** name ("Institut") and place ("Ort") -->
:;Tip: use https://translate.google.com to get a usable tranlation of the pages.
+
:;Tip: use https://translate.google.com to get a usable translation of the pages.
  
 
=== Git Repositories ===
 
=== Git Repositories ===
Line 146: Line 178:
  
 
=== Currently Unsupported Open Standards ===
 
=== Currently Unsupported Open Standards ===
 +
;Note: The methods supported by AqBanking create a ''direct connection'' between you, the customer, and your bank. In contrast the 'Access to Account  ('''XS2A''') Open Banking Framework' serves to allow a FinTech ''in your name'' a connection to your bank. Some consider that as dangerous.
 +
 
While many banks still think ''Security by obscurity'' is a good concept, in some countries they are changing their opinion:
 
While many banks still think ''Security by obscurity'' is a good concept, in some countries they are changing their opinion:
 
;AU: https://www.finder.com.au/open-banking
 
;AU: https://www.finder.com.au/open-banking
 
;GB (UK): https://www.openbanking.org.uk/
 
;GB (UK): https://www.openbanking.org.uk/

Revision as of 18:22, 4 January 2023

Languages Deutsch

Online Banking is in GnuCash realized by the package AqBanking— Aquamaniac's Banking by Martin Preuß. It contains several tools, a library and a few separate helper libraries.

At aquamaniac.de (machine translation) are availabe:

Note
In times of heavy spam registration is disabled. Then ask on its mailing list.

Coverage

Currently offered methods:

  • bidirectional, sending of orders possible:
    • the german Financial Transaction Services (FinTS) standard with
      • classical home banking common interface (HBCI) by asymetric key encryption or
      • modern PIN/TAN (2 step authentication) methods;
    • Electronic Banking Internet Communication Standard EBICS, availabe for business clients in AT, CH, DE and FR,
    but because neither AqBanking nor GnuCash devs have access to an test server, upload is currently not implemented. The AqBanking team is searching for users, who volunteer to test on implementing the upload.
  • unidirectional, query only:

The recent stable GnuCash 5.9 bundles contain Aqbanking 6.5.4, the nightly test versions 6.5.12beta.

Source
[1]

Compatibility

GnuCash compiles with many available versions of AqBanking and it's helper library Gwenhywfar, except for combinations of new gnucash with old aqbanking and vice versa.

Determinating the Versions

To see your current versions, use the command
$ gnucash --version
GnuCash 3.8 development version
Build ID: git 3.8b-163-g0e6c9e219+(2020-02-19)
$ aqbanking-cli versions
Versions:
 AqBanking-CLI: 6.0.1
 Gwenhywfar   : 5.1.2.0
 AqBanking    : 6.0.1.0
or, if you are using a Flatpak:
$ flatpak run --command=sh org.gnucash.GnuCash
[📦 org.gnucash.GnuCash ~]$ gnucash --version
GnuCash 3.8 development version
Build ID: git e6b3c56+(2020-01-26)
[📦 org.gnucash.GnuCash ~]$ aqbanking-cli versions
Versions:
 AqBanking-CLI: 6.0.2
 Gwenhywfar   : 5.1.3.0
 AqBanking    : 6.0.2.0
[📦 org.gnucash.GnuCash ~]$ exit
exits

In this example you can see, that the user had built a more recent version of GnuCash, but the nightly Flatpak had a more recent AqBanking than her distribution.

FinTS

This is only an overview mainly for developers. Detailed user instructions are in German: De/Online-Banking

HBCI/FinTS Security Type

AqBanking for FinTS/HBCI needs the definition of a "security medium". Depending on the FinTS/HBCI version, there is a range of choices for this:

Single step authentication
HBCI 1
self-generated asymetric keypair with
  • public part given to the bank
  • private part stored on your harddisk, USB stick or floppy disk
supported on all OS, but many banks dropped single step authentication.
Two step authentication
  • You have always to log in your session with your fixed Personal Identification number (PIN).
  • Then each transaction needs authentication with an own Transaction Authentification Number (TAN).
To avoid Man-in-the-middle (MITM) attacks the TANs are ideally transmitted to you over a different medium.
The way the TAN is generated varies by method:
HBCI 2, FinTS 3
PIN/TAN comes in several flavours:
PIN/TAN (classic)
no longer supported by the banks! from a simple paper list: you can enter any unused TAN: supported on all OS
iTAN
no longer supported by the banks! from an indexed paper list: the bank challenges TAN[i]: supported on all OS
mTAN
TAN per SMS on your mobile: supported on all OS
chipTAN
The TAN is generated by a chip, which is today integrated in the bank card. You need a card reader to communicate with the chip. Some readers are stand alone devices, but others are connected with your computer. To access the connected readers the library libchipcard from the AqBanking family is required.
Warning!
Man-in-the-Middle Attacks against the chipTAN comfort Online Banking System
manual
several optical methods
Since version 4.3 GC supported the flickering image. GC does not generate the flickering image, but you can manually enter the displayed number in your TAN generator. Bug 667490 - Support image-based TAN methods QR, photoTAN, and chipTAN optical "Flicker code"
Flicker code
The number is transferred in nibbles plus parity bit by an animated gif.
QR code
can be decoded by smartphones.
Photo TAN
The TAN is sent as a photo.
Tip
There is a more precise description: Aqbanking Wiki: Implement Tan Methods
Note
For this standard methods some banks use own names created by their marketing department like sm@rtTAN.

.

FinTS Test Server

There are no currently documented instructions. There is no known test account with a testing bank server. To our knowledge anyone who wants to test this needs an account at a German bank. Sorry for that.

Debugging

If there are any problems during the HBCI or OFX connection, here are further options for debugging:

  1. In Gnucash in Edit->Preferences->Online Banking:
    1. Disable Close log window when finished[1] ,
    2. enable Verbose debug messages. Since Gnucash 2.3.x this is related to AQBANKING_LOGLEVEL.
  2. To see much more log messages of aqbanking, you can set several environment variables either before starting gnucash or in the shell script gnucash or gnucash.bat. For example, in a Unix shell you would type
    # General:
    export GWEN_LOGLEVEL=info # usually only developers need this sometimes.
    export AQBANKING_LOGLEVEL=info
    # For OFX:
    export AQOFX_LOG_COMM=1 # Warning: Will reveal passwords!
    export AQOFXCONNECT_LOGLEVEL=info
    # For FinTS/HBCI:
    export AQHBCI_LOGLEVEL=info # Warning: Will reveal passwords!
    
    For AQOFX_LOG_COMM see Setting_up_OFXDirectConnect#Enabling_the_OFX_Log,
other possible values to all other of these variables are
  • debug (more verbose) or
  • warn (less verbose) or
  • error (even less verbose, default value).
However, the Gwenhywfar log messages are all sent to stdout or stderr, which on Windows by default isn't available. To make these available on Windows, you need to change the exetype of gnucash-bin.exe from "Windows" to "Console", see Windows Debugging#Changing the Exetype to See Console Output.
AQBanking log messages are intercepted by a GnuCash callback and added to the Trace_file. N.B.: That callback does a second filter on log level so it's necessary to set the AQBanking log level in GnuCash as well as setting the AQBANKING_LOGLEVEL by passing the argument --log aqbanking=xxx to GnuCash, e.g.
AQBANKING_LOGLEVEL=info gnucash --log aqbanking=info
or adjust your logging configuration.
  • Keep in mind that there are many many many different bank servers on this world, and every one of them might behave slightly differently. Hence, if you report a bug, please also state which bank server you are using (IP address and bank name).
  • If there is a crash, it would be good to provide a stack trace of the crash, see Stack Trace.

Log Location

As for aqbanking up to version 5.x.x: AqBanking stores log files for HBCI under Linux in

~/.aqbanking/backends/aqhbci/data/banks/<country code>/<Bank ID>/logs/*, with
.aqbanking a hidden directory in the user's home directory,
<country code> your ISO country code such as "de",
<Bank ID> the name or the routing number of your bank (in German: BLZ).

To enable logging of the OFX communication to /tmp/ofx.log (with warnings about revealing passwords), see Setting up OFXDirectConnect in GnuCash 2#Enabling the OFX Log.

Anonymization of log files
Before you show your log files to anybody, you should replace passworda, PINs, TANs and other secrets by Xes. Before publishing them e.g. sending to a mailing list, replace also your account number. In theory this can also be done with
aqhbci-tool4 logfile -i $INPUTLOGFILE -o $OUTPUTLOGFILE
But verify that the program did not miss some.

Config Location

Most parts are stored by the setup assistent below

Posix
$HOME/.aqbanking/
Flatpak
~/.var/app/org.gnucash.Gnucash/aqbanking.

Gnucash stores only an association in the account's slots in the data file.

Example from an uncompressed xml file:
    <slot>
      <slot:key>hbci</slot:key>
      <slot:value type="frame">
         <slot>
           <slot:key>account-id</slot:key>
           <slot:value type="string">1234567890</slot:value>
         </slot>
         <slot>
           <slot:key>account-uid</slot:key>
           <slot:value type="integer">9</slot:value>
         </slot>
        <slot>
          <slot:key>bank-code</slot:key>
          <slot:value type="string">121107882</slot:value>
        </slot>
        <slot>
          <slot:key>trans-retrieval</slot:key>
          <slot:value type="timespec">
            <ts:date>2017-08-27 09:33:08 -0700</ts:date>
          </slot:value>
        </slot>
      </slot:value>
    </slot>
account-id
The account number.
account-uid
AQBanking's internal id for the account.
bank-code
The national bank id: In the US it's the Routing ID.
trans-retrieval
Timestamp for the last time a retrieval attempt was made for this account.

GnuCash, Aqbanking or Other Error

  • If you can execute an operation successful with the aqbanking command line tools, but not with gnucash, it is obvisious a GnuCash issue.
  • Else the issue might be in
  1. your settings,
  2. the bank's configuration,
  3. AqBanking.
Which Aqbanking CLI tools exist?
$ aq[TAB][TAB]
aqbanking-cli     aqbanking-config  aqebics-tool      aqhbci-tool4      aqpaypal-tool     
$ aqbanking-cli --help
This is version 6.2.1
Usage: aqbanking-cli [GLOBAL OPTIONS] COMMAND [LOCAL OPTIONS]

Global Options:
:
aqbanking-cli serves for executing online actions after configuration.
aqbanking-config covers the general part of the configuration, while the others configure the backend specific parts.

References

Tip
use https://translate.google.com to get a usable translation of the pages.

Git Repositories

AqBanking Git repositories of source code can be found here (mirrored at ):

git clone https://git.aquamaniac.de/git/aqbanking   # the library
git clone https://git.aquamaniac.de/git/gwenhywfar  # its OS abstraction layer as dependency
git clone https://git.aquamaniac.de/git/libchipcard # optional for the use of chipcard readers

There are also gitweb browser interfaces at

http://git.aqbanking.de/gitweb/?p=gwenhywfar.git ,
http://git.aqbanking.de/gitweb/?p=aqbanking.git .

Unofficial GitHub Mirrors

Some community members set up (unofficial) github mirrors:

Christian Stimmig
https://github.com/cstim/aqbanking
https://github.com/cstim/gwenhywfar
There is also a continuous integration build test of gwenhywfar here: https://travis-ci.org/cstim/gwenhywfar
Felix Schwarz, Lukas Matt
https://github.com/aqbanking/gwenhywfar
https://github.com/aqbanking/aqbanking
https://github.com/aqbanking/libchipcard
A bot script updates the "github.com/aqbanking" mirror on a daily basis so it should always be up-to-date.

Currently Unsupported Open Standards

Note
The methods supported by AqBanking create a direct connection between you, the customer, and your bank. In contrast the 'Access to Account (XS2A) Open Banking Framework' serves to allow a FinTech in your name a connection to your bank. Some consider that as dangerous.

While many banks still think Security by obscurity is a good concept, in some countries they are changing their opinion:

AU
https://www.finder.com.au/open-banking
GB (UK)
https://www.openbanking.org.uk/
  1. This setting affects only GnuCash's dialogs—Action->…. Most dialogs of Tools->Online Banking Setup are provided by AqBanings library Gwenhywfar.
  2. Retrieved from "https://code.gnucash.org/wiki/index.php?title=AqBanking&oldid=21447"