Import of non-US banks planned?

Hi there,

I'd like to take the new forums as a chance to ask if you have any plans to implement e.g. FinTS/HBCI to give your German/European customers direct access to their bank accounts as well?

 

All the best!

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  • We're closing out Bank Importing threads in the forum to make sure these issues are better resolved.

    Replies in this thread have been turned off, but you can still suggest new banks (even international banks) in the app, if you haven’t already!

    If you’re having trouble connecting to a bank in the US or Canada, please fill out this form and our Direct Import team will help you get things back up and running!

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    • Jen
    • Budget Expert
    • Jen_c
    • 2 yrs ago
    • 1
    • Official Response
    • Reported - view

    We'd love to be able to provide Direct Import for international financial institutions, but because our third-party partner moved away from supporting banks outside the US and Canada, it's not in our plans for the immediate future.

    As you probably know, we do have a few other features to help make entering transactions easy and fast:

     - File Based Importing: You can import your transactions by downloading a transaction file (typically OFX or QFX files) from your bank and then importing that file to YNAB.

     - Upcoming Transactions: You can plan for future transactions, including repeating ones, right in the account register. Select the frequency of the transaction by using the drop-down menu below the calendar.

     - Mobile apps: We have new apps for iPhone/iPad and Android

    Thanks for putting your vote for DI for European banks!

    Like 1
      • Gold Koala
      • Gold_Koala.9
      • 3 mths ago
      • Reported - view

      Jen Now that N26 has expanded to the US, is there a chance we'll get an integration?

      Like
    • Hi Gold Koala !

      Currently, there hasn't been any change in direct import for international institutions. While the expansion of N26 could mean good things for direct import, our import partners haven't made any announcements in regards to it, so we still expect this to be a long term issue. If this changes, we'll be sure to announce it! :)

      Like
  • Oh, now that you mention it, I remember reading that statement somewhere else before already. Too bad, but I definitely understand the decision not too overcomplicate your codebase by adding another partner or implementing it yourself. OFX import is working fine, just a few clicks more every few days.

     

    Thanks for the response! :)

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  • Jen This is totally understandable. As someone living in Germany I would still be super excited to get my German accounts (especially N26) connected to YNAB. Is there any change in status on this in the last 10 mo, or is it still not on the feature roadmap?

    Like 1
    • Hi Orange Saxophone !

      I wish I had better news, but our Direct Import partners haven't made much progress on this front. They've run into trouble with accounts in the UK, which has delayed branching out to institutions beyond that. Some users have begun using the YNAB API to create importing capabilities for their own international banks, but we aren't able to officially support anything just yet. We're still keeping our fingers crossed for the future, but there isn't anything on the horizon just yet.

      Like
      • Liam
      • liam_w
      • 1 yr ago
      • 2
      • Reported - view

      Faness maybe you should thing about getting a different partner then?

      Like 2
    • Hi Liam !

      We're currently working with three different Direct Import providers (our attempts at finding a new partner to better support our direct import needs). Since that hasn't done the trick, and we still want to improve the direct import experience, we're looking into other ways to make this happen!

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      • MoDDe
      • MoDDe
      • 11 mths ago
      • Reported - view

      Faness Any news? 

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    • Hi MoDDe !

      Nothing internally on this front. However, we've seen quite a few users make this possible with the release of our API! One such user is currently running a beta test for UK bank syncing! :)

      Like
      • MoDDe
      • MoDDe
      • 11 mths ago
      • Reported - view

      Faness ok thanks, i found a solution for german banks

      Like
    • MoDDe could you share the solution for German banks? Searching as well

      Like 1
      • MoDDe
      • MoDDe
      • 10 mths ago
      • Reported - view

      Orchid Vacuum 

      https://github.com/schurig/ynab-bank-importer

      It didn't work for me, but I don't know much about programming either.

      What I don't understand is that ynab can't add something like that. In Germany, every bank actually supports FinTS or HBCI, so it's easy to access the accounts.

      Like
  • MoDDe could you point us other users looking for bank sync to the solution you've found? Would be very helpful!

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      • MoDDe
      • MoDDe
      • 10 mths ago
      • Reported - view

      Spring Green Hammer https://github.com/schurig/ynab-bank-importer

      It didn't work for me, but I don't know much about programming either.

      What I don't understand is that ynab can't add something like that. In Germany, every bank actually supports FinTS or HBCI, so it's easy to access the accounts.

      Like
  • Hi there, any news?

     

    UK banks have adopted Open Banking (Read about it here), and other budget apps eg Pocketsmith are able to get direct feed using Yodlee, and have been for a while, so I'm hopeful that YNAB can get ahead of the curve again soon.

    Like
    • Hi Sub3OneDay !

      We are aware and excited about the Open Banking system in the UK! It’s definitely a huge step in the right direction for the financial and aggregation world. 

      With Open Banking being so new on the scene, it's hard to say if or when we'd be able to use it to offer direct import for our UK users. It is definitely on our (and our provider’s) radar, though! If we are able to offer it, we'll be sure to announce it loud and clear. 😄

      Like
  • Hi, would it be possible to get an update on the progress you've made so far with the import on European/non-US institutions?

    Like 2
    • Hi Sky Blue Cheetah !

      We don't have any updates on this just yet.  When we do, we'll shout it from the rooftops!

      Like
    • Nicole at YNAB You realize there are a lot of competing startups in your space who already have a global portfolio of banks they support, right? Honestly, even though I am a new YNAB user, I am already planning to jump ship to ones of those products as soon as a few missing (minor) features are added there. This of course assumes you guys do not make bank importing outside the U.S. a priority, which given how long you have been dragging your feet on it, that seems likely. Given the many other features that your product is also still missing, (e.g. multi-currency support, better tools for managing multiple users in a household, etc.), it makes me wonder what the development plan at YNAB is, or if it even exists at this point. For a mature product, it seems to have kind of stalled.

      Quite frankly, for as much as your product costs, its embarrassing that people still have to keep asking & begging you for this. Please just get it done already.

      Like 2
    • Nicole at YNAB Thank you for your reply. Would it be possible for you to share more detailed information on the concrete steps you have taken in the last couple of months and what your timeline is on this going forward?

      Like 1
    • Hi Forest Green Stallion and Sky Blue Cheetah !

      I wish I had better news, but our progress towards international direct import is slow going at best. Since our Direct Import partners have run into such trouble with international connections, we don't see this option becoming available in the immediate future. 

      To add a few more details, our Direct Import partner is trying to branch out from institutions in the US and Canada. They currently offer direct import for some UK institutions, but the connections are unstable at best and we're seeing some long term issues they're working on rebuilding platforms for in order to fix the integration issues. They want to get these connections ironed out before branching out any further.

      We understand there are alternatives out there. While we'd hate to see you go, we know a poor experience with direct import can be a huge deciding factor in using YNAB. We're trying to improve in this area (both by urging our Direct Import partner to take further steps and considering other options on our end), but we don't want to make any promises we can't keep. Currently, this is going to be a long standing issue, but we'll announce any changes or progress we make! 

      Like
  • Hi, thank you for your candid reply. Honestly, I am disappointed. This thread is  a year old and it seems your main activity in this time was to "urge" your direct import partner(s) to add more direct imports. Also, you do not seem to have a timeline for this issue. Is that a correct summary? If so then it begs the question why you don't add a direct import partner who is capable of getting this done.

    In addition, the last paragraph of your reply feels like you're shrugging the problems of out-of-country users off, almost telling us to leave. This is particularly frustrating as yours is the first personal finance software I paid money for and I like your approach. But if you invest as little effort in this problem as you apparently do, I certainly don't feel like you value me as a customer.

    Like
    • Sky Blue Cheetah We do apologize for the disappointment and I don't mean for it to come across as though this isn't an important issue! We currently work with three Direct Import partners. The addition of the third partner was in hopes of better supporting international institutions, but the issues I mentioned in regards to instability and having long term issues, arose after we begun partnering with them. Since then, they've had to shift focus to repairing the institutions they currently support before they're able to branch out to support more. We do not have a time line for how long that will take - while we're hopeful, I don't believe we'll see any large changes in the near future. 

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    • Sky Blue Cheetah I'm 100% with you! Really sad, that this is not a priority. I'm also considering spending my €50 somewhere else each year.

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    • Cadet Blue Packet I would even pay more for this feature!! And test for free.

      Like
  • I agree. There is no concrete step on this issue. If the current provider has issues, there are lots of other players in the market who does international banks integration. When players like mint can do it, I'm sure YNAB also can do it. Its only about the priority. Adding this feature, opens a big market to YNAB.

    After making the product 100% online, and when there is no automated importing feature, then you should reconsider about the pricing for the customers who cannot use account import.

    Sad to see such delayed progress on this feature.

    Like 1
    • Hi Anand S !

      Mint just so happens to have a monopoly on Intuit, who owns them. As a result, we use a few different Direct Import partners  and had hoped doing so would enable us to provide better support for direct import. However, we understand there is much room for improvement and we're looking into better options for the future!

      Like
  • Support for bank account feeds outside the US would be great!

    I really like YNAB and I hope this feature is implemented soon.

    I've tried out PocketSmith which does support multiple account and currency imports - https://www.pocketsmith.com/tour/live-bank-feeds - Although the UI isn't as nice as YNAB. 

    I'm from South Africa and have accounts in the UK and both ZA & UK (Barclays) accounts were working perfectly importing transactions with PocketSmith. 

    PocketSmith uses - https://www.yodlee.com for all their banking imports which supports over 10,000 supported institutions in 36 countries.

    Pocketsmith have more information on using the Yodlee service here - https://learn.pocketsmith.com/article/249-yodlee-and-the-security-of-bank-feeds

    Looking at the developer section on Yodlee they appear to be a great service for FinTech companies such as YNAB with the API being well documented. 

    If the Yodlee monthly fee wasn't so high I'd build my own. I hope YNAB considers this as a international option for bank imports.


     

    Like 3
  • Hello all, I'd really appreciate an update on this the daily manual importing is becoming a pain.

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    • Hi Ludwich Maartens !

      I wish I had better news, but because our third-party partner moved away from supporting banks outside the US and Canada, it's not in our plans for the near future. While we'd love to bring this functionality to YNAB, it will be a while before this option is in our grasp.

      Like
  • Commenting to be kept in the loop. I'll renew my subscription as soon as I can officially connect German/European banks such as DKB, N26, and Revolut

    Like 1
    • Alice Blue Projector I'm with you here. Just cancelled my subscription, but I would also renew it once European banks, like DKB and N26 are supported.

      Like
  • Like
    • Hi Silver Captain !

      We hope to some day provide direct import for international institutions, but it's not in the plans for the near future. Our import partner had a few UK institutions, but the connections proved unstable and were removed as options until they could be improved. We can't say for certain how long that could take, but we don't expect it to be soon.

      Like
  • Another long, very old, topic - proving that YNAB only cares about their US users...

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    • Hi Tetsugaku !

      I know I responded to your other frustrated comments about the lack of direct import for international institutions, but I wanted to respond here, as well. We want to improve the direct import experience, but it will be a while before we're able to. We do care about all of our users, but this isn't something we can change at the moment. We'll continue to work towards an alternative, but it will take a while.

      Like
    • Faness Faness You could change it. You're just not. What exactly are you doing? Because I don't see any life changing progress or changes coming out of YNAB right now?

      Like
    • Tetsugaku We use a third-party provider for direct import because we don't have the resources to build and maintain a data aggregation platform that works with each individual financial institution - in the US or abroad. We've added additional import partners in an attempt to expand to international institutions, but ran into a number of complications. We're now researching alternatives that don't include adding another import partner, since that wasn't able to solve the issue in the past.

      In the meantime, development in the app is focusing on new features. 

      I understand your frustration, and we completely understand if you choose not to continue with YNAB if it doesn't suit your needs. We hope we'll be better equipped to assist you in the future, but it will be some time before we decide on, and make the necessary changes to include, a solution here.

      Like
    • Faness Thank you for your honest and open response. I really hope you will find a way to support German imports, even if through better CSV parsing, because I really like your approach better  than the consuming focused approach of $pendee. 

      Like 1
    • Hi Coral Horse in a Cat Costume !

      Thank you for weighing in here! While we expect it to be a long term issue, we're going to continue looking into alternatives! 

      Importing CSV files can be tricky because there isn't an industry standard format and they need to be formatted just right but we can help you with that. Have you had the chance to give this CSV converter a try? It was created by a fellow YNABer which may help convert your CSV file from your bank into a compatible format. 

      I know it's a few extra steps, but I hope it makes things at least a little bit easier on you! :)

      Like
  • It's been well over a year since this was "answered" and you still don't support the standard open banking format. You have international users crying out for this function yet you don't say why it's not on your immediate road map.

    Your import partner is obviously not good enough and should be changed as a matter of urgency.

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