Speaking of which, does anyone know if EU's PSD2 will finally allow me to read the balance of my own bank account via an API, or do I have to subscribe to whatever fly-by-night ad-driven SaaS that'll get a deal with the banks and scrap their site?

I'm not trying to scrap bank sites, even though I could, because a) it's a PITA to get through the increasing amount of login hoops they deploy, and b) I don't want to risk even a small chance that they'll lock me out of access to my own money because I "hacked" their site.