I'm looking for something where I can link all my credit cards / bank accounts and get an overview of my spending.

I'd be open to an Excel sheet if there was some automation to pull in data periodically.

edit: I just found Fidelity Full View [1]. Looked through their TOS and doesn't look like there's any clauses about marketing. Also looks like it's just a white label of a SaaS solution https://emoneyadvisor.com/, which means there'll probably be ongoing development.

[1] https://www.fidelity.com/cash-management/full-view/overview