Same issues in the states, only we get compared to QuickBooks.

More dramatic here since Sage X3 v12 doesn't support bank secure transfer method of PGP and need another dedicated bespoke web service to collect and break down secure format to standard format and then only send to Sage X3 v12.

Just, uh, reduce expectation for native/turnkey answer from bank direct to X3. Must compromise with a bespoke middleware service to deal with the bank and to tell Sage X3 which in and of itself a huge undertaking depending on how much banks to support and keep up to date.

Mine was dealing with CAMT.053 format.

I am using RELBANK , there is an entry point allow you read csv file and convert to X3 Format