Does it process individual transactions? RTGS stands for Real Time Gross Settlement, and my understanding is that it lets banks settle the total amount of processed transactions, thus leaving out any details of particular transactions.
Started using org-mode a few months ago.
I keep my notes and todo list in a self-hosted git repository.
On desktop I use Magit to push/pull changes.
On Android I cloned the repository in Termux and pointed Orgzly to it.
This wasn't absolutely trivial, can provide details if needed.
Also created some convenience scripts for git operations (commit-and-push, pull, check status).
Now I can push/pull changes with singe-letter commands in Termux.
I find the friction to be low enough.
Using git is also very convenient to resolve any conflicts in case I forget to push or pull some changes.