ai-bookkeeper's bank readers had been tested mostly on files we wrote ourselves. This run pulled a new source of files written by other people: the test data in Actual Budget's repository (MIT licence, read only, nothing copied). It holds 21 bank files in the shapes real banks emit: QFX in Windows-1252, ISO 8859-1 and UTF-8, QIF, and CSV in UTF-8 with a byte-order mark, UTF-16 in both byte orders and Windows-1252, one of them a Hungarian bank's 29-column header with dates like 2025.12.04.
All 21 imported with the right dates, signs and accented payees except for one detail. One Canadian QFX file escapes its text twice, so the payee line is TPAY &lt;DEFTPYMT&gt;. One round of decoding left <DEFTPYMT> in the ledger description. The reader now decodes once more when a basic named reference (< > & " ') is still there after the first pass. Numeric references and unknown names are left alone.
The files are anonymised test data, so this says the formats read, not that every bank's live export does. The README's verification log has the rest.