> and I can happily retrieve my payments list to my budgeting app

Is this a UK thing? I've been searching for something like Mint/Quicken in the EU and haven't found anything worthwhile because there doesn't seem to be a standard for budgeting apps to connect to banks.

Yes, there is Open Banking in the UK: https://www.openbanking.org.uk/ It's the UK version of PSD2 so there should be equivalent schemes in Europe.

Not that it really is as open as many of us might like - the banks did a pretty good job of tying much of it up in red tape.

I use the GoCardless API to pull transactions and balances into a Google Sheet. They have pretty good coverage for UK and EU it looks like [1]

[1] https://developer.gocardless.com/bank-account-data/overview#...

PSD2 is that standard.

I personally use Finanzguru (for the German market, it supports many banks).

Likely to be many others.

Open banking does that but it needs to be a provider.

Some banks let you download in formats that let you then import into something. I have imported a lot into Gnucash from a downloaded file but its not smooth or complete (narrative needed fixing).

A quick search shows this one is well regarded https://www.bilanceapp.com/