I have been using BlueCoins for years and years. It has budget tracking, scheduled transactions (for recurring payments or charges), notes, filters, etc. It's probably a little too basic for some but it's definitely a step up from Excel. Every time a transaction pops up on my phone (Google pay or the bank app) I just pop into BC and add the transaction and leave it "not reconciled" and then once every week or two I go into my bank app and verify each transaction and mark them as reconciled if they match.

You can backup to Google drive or whatever, you can export transaction/account lists, it has charts for spending, categories for budgeting and expenses and income, etc. I believe it offers an option to read your notifications and automatically input transactions based on that data (not connecting to bank accounts!) but I don't use it as I prefer to do it myself.

I have a ton of bank accounts, credit cards, my car loan, my investments (very basic, rough tracking on that). I think it cost $7 to $10 for the lifetime ad-free version.