I used Actual for a little while and ran into the same frustration; having to manually download and re-upload CSVs was driving me crazy.
I also loathe the idea of having to hand over the account credentials to any third party service--what I really want is my financial institution(s) to send webhooks of my transactions, or even just allow for an automated download of the CSVs. (I'd write a playwright bot, but the 2fa makes it difficult. Of course the accounts should have 2fa, I just want an API for getting my transaction data.)
I also loathe the idea of having to hand over the account credentials to any third party service--what I really want is my financial institution(s) to send webhooks of my transactions, or even just allow for an automated download of the CSVs. (I'd write a playwright bot, but the 2fa makes it difficult. Of course the accounts should have 2fa, I just want an API for getting my transaction data.)