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Budget App Question

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I'd like to write a budget app for the iPhone for my own personal use, but I want to be able to download transactions from my actual bank in order to use them within the app. I've searched around and found a few things regarding OFX, but was wondering if anyone has any experience with this?

In a perfect world with unicorns, there would be a magical C++ API that could be used like this:

void GetTransactions( string OnlineBankURL, string OnlineBankID, string OnlineBankPassword )
MagicalAPI->ConnectToBank( OnlineBankURL, OnlineBankID, OnlineBankPassword );

for( int i = 0; i < MagicalAPI->NumTransactionsInLastDay(); i++ )
DoAwesomeBudgetStuff( MagicalAPI->GetTransactionInfo( i ) );



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