Hello mwelby
Quick answer; no.
Some banks seem to have this open banking more sorted than others. My most problematical bank is HSBC. All worked fine (old style of putting in pass codes every time) until suddenly a few weeks ago they were also giving me the correct balance but only downloading transactions to the end of the previous day. I tried online chat with both bank and QBO and tried disconnecting then reconnecting the bank. Then suddenly, it seemed to work correctly so it was unclear as to what solved it. I suspect it was the bank and their updating moves to open banking. I still have to put in my passcodes, mind you, but at least the transactions tally with the balance. Still not fully 'open", though.
Lloyds meanwhile are fully open banking, but you have to reconfirm the security every couple of months. Santander has been fully "Open" for some time and works well.
Presumably NatWest, like HSBC, is changing their systems slower, but you could ask to check on their Open Banking Status.
