I doubt anyone would go to the bother of downloading csvs every couple of hours...
That's exactly how it's done. Every morning I get up, type in my PIN on a card reader to get 10 PIN numbers which I give the CTO.
- High overhead.
- Difficult to keep open.
- Lengthy/poor service & interface.
- Time consuming (spend so much time dealing with UK banks- by contrast EU bank has never caused us a problem).
There are no UK banks with an API. They deliberately hide the API for security reasons (security through obscurity). UK banks are socialist organisations and ridiculously inefficient- a bit of a joke for one of the financial centres of the world!