I have not tried to download Bank Statements and import them. I think you can but my bank does not appear to have that facility.
It costs nothing to try, and your original GNUcash or whatever data will still be there if you don't like it.
As for types of payment, no they are not automated. However, if you enter any string into the payee box, a list pops up of all previous payees that have that string in their name, which narrows as you enter more characters, and ditto with the classification, so I would imagine that you may type:cos<click><tab>ind<click>. I find that this makes inputting fast. Compared to GnuCash, it has strengths and weaknesses, however, KMyMoney seems to be kicking on apace, and GnuCash seems to have stagnated, so expect KMM to get better and better!
You can request features through the web site if you sign up, and I think that defaulting to a transaction type seems a sensible suggestion. It would make input even quicker.
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