Eypo for iOS: crystal clear insights in your monthly expenses

Hemmik

Ward Thanks. Yes reinstalled it and tried the new build. I have several joint accounts (most of them are joint actually.)

Ward

Hemmik I will continue to look into it. The next build will include better error logging so I can get more insight into what's going wrong.

OGKevin

Hemmik @Ward remember that joint accounts can not be used with Oauth API keys, that might be the issue you guys are experiencing.

Karim

Ward Still same error for me as well, I have multiple joint accounts.

Federico-Maroon-Swan

Ward

Hi Ward,

I like the fact that you created an app which allows such a connection! I myself have developed a similar app called Bittiq. It allows connection to multiple banks (including Bunq) and multiple accounts, after which it automatically generates an overview of expenses (in categories) as well as monthly subscriptions.

I think it would be interesting to have a little bit of personal contact so we could exchange our ideas and experiences. I was wondering if you would be open to this? If yes, could you reply in an email to federico@bittiq.com ?

Thanks!
Federico

Hemmik

OGKevin Possible, but I do have some non-joint accounts.

ps, are there any plans to support joint accounts? They are the most interesting for me with respect to budgeting.

OGKevin

Hemmik The issue is, if you use /monetary-account endpoint, oAuth will crash as this will also try to get joint accounts. To temp fix this, @Ward could use /monetary-account-bank endpoint which returns MonetaryAccountBank's (non-joint accounts).

on the PS, I dont know, but ill relay your message internally 😊!

Ward

OGKevin oAuth will crash as this will also try to get joint accounts

😮. Is that true? I tested it on the sandbox with join and connected accounts, and it successfully returned all normal non-connect non-joint accounts.

Stevie-Indigo-Jaguar

Signed up!

Would be interested in being able to create a budget for each category to see how much under or over my spending is to my goals!

Ward

Stevie That is definitely on the To Do list. I thought a lot about setting budgets, but haven't settled on a system yet. Should we have budgets per main category, or per subcategory, or for the whole month together? And if you exceeded your budget on groceries, does that mean your budget on restaurant should automatically get smaller to compensate?

Currently the app automatically uses the expenses from the previous month as a "budget". So on the home screen you can see your expenses and if they are above or below those of the previous month. The end goal being that after a while it will automatically "understand" what your budgets are.

OGKevin

Is there any update on the progress of Eypo :D im really excited to use this app haha.

FYI Grip from ABN now also supports bunq, however they request full access API key which is overkill. The app itself however works and looks fine. But only they dont support joint accounts.

They also seem to have transfers under control and does not clutter your budgeting.

Also, is there a reason you do not let the app itself make the API calls ? This would partially solve your rate limit issues. Which makes it even better at a privacy point of view. As you can make the OAuth api key wildcard, if I'm not mistaken.

Ward

OGKevin Beta testing is still in progress, and invites are still being sent out. I think you are in the next batch 🎉.

OGKevin They also seem to have transfers under control and does not clutter your budgeting.

Transfers are also not included in the budgeting and statistics in Eypo. Currently in progress is better categorisation of transfers when it detects a transaction between accounts you both own.

OGKevin Also, is there a reason you do not let the app itself make the API calls ?

I've opted to use a proxy server because that would make it easier to support multiple banks in the future. Some banks use HTTPS client certificate authentication which means the app cannot directly connect to the bank.

Delano

Ward I've opted to use a proxy server because that would make it easier to support multiple banks in the future. Some banks use HTTPS client certificate authentication which means the app cannot directly connect to the bank.

This is one of the reasons why I'm hesitant to use an app having API calls to your bank account go through a black-box-proxy. Can you explain more about this proxy or disclose the source of the proxy?

OGKevin

Ward I recently discovered that OAuth doesn't work properly with Pack members because of a bug on bunq's side.

this is indeed correct, the underlying issue is the same that is causing joint accounts to be unavailable in OAuth.

Ward I think you are in the next batch 🎉.

WHOOP :D

Ward What the server basically does is connect to the bunq api, and then normalise the response into a bank agnostic structure. This means I can easily support more bank APIs in the future, without having to update the iOS app.

Make sense, is this open source or are you planning to make it open source. Im happy to contribute/help 😊 Even if you wanne keep it a private repo.

Ward

Délano I totally understand your hesitation Délano.

What the server basically does is connect to the bunq api, and then normalise the response into a bank agnostic structure. This means I can easily support more bank APIs in the future, without having to update the iOS app.

It also makes it easier to work around API quirks, such as half-implemented OAuth. For example: The bunq OAuth system is non standard, but can be kinda normalised into standard OAuth. An api key becomes a Refresh Token, and a session token becomes an Access Token. By doing this normalisation on the server, the iOS App can just talk normal OAuth.

API keys and session tokens are not stored on the server, so we can never connect to bunq without your phone initiating a request.

Delano

Ward Thanks, interesting. All the other "calculations" eg categorizing and budgetting happens on the phone in the app?
Authentication is done by bunq's Oauth or is the full blown API key required?

[edit] just installed the app and it indeed says everything is stored on the device, which is sweet :)'

[edit2] uh oh, connect is accepted, see it in my event list as wel

Ward

Délano Phil: This is a known issue that I haven't been able to solve yet. Do you guys happen to be members of a Bunq Pack? I recently discovered that OAuth doesn't work properly with Pack members because of a bug on bunq's side.

Phil

I‘m always getting „Something went wrong“ when trying to connect to bunq. 🙁

Hemmik

Ward I have this error and I am a pack member indeed.

Delano

Ward Do you guys happen to be members of a Bunq Pack?

No I am not a member of a pack, riding solo here :)

[edit]
I'm also having issues with BunqDesktop see the issue here on github, it seems there's an issue with Oauth for certain users. I'm now contacting support to see if they can do something.

Phil

Ward Yes, I‘m a member of a bunq pack and also having issues with OAuth in bunqDesktop

Ward

Délano Ah, that would explain some things. I'm going to keep investigating on my side, but if this is truly a bug on bunq's end, then there is nothing we can do but wait.