
Having trouble with importing from my bank which have autopay feature enabled.
Hello! This is my first every post here and I am very happy.
I am using the trial period of YNAB and I'm really happy with it so far. I am going to be subscribing for sure. I have also finished reading the books and have already taken a couple of webinar classes. So far so good.
So I use this bank named Bunq (which is by the way a really cool bank for the folks in Europe). I can use every feature of the bank through the mobile app which is pretty cool. One of the feature that I'm using in the bank is the autosave feature. What it does is, whenever you make a payment, the difference to the nearest euro is automatically deducted from your main account and transferred to another account.
To give you an example: I have two accounts in my bunq bank: Salary (main) and Autosave.
When I make a payment of 33,25 Euros from my main account, 34 Euros is deducted from this account, out of which 33,25 is paid to the merchant and 0,75 is transferred from the main account to the Autosave account.
Now in my YNAB account I have also created two accounts Salary and Autosave to reflect my bank accounts.
Now here is my workflow of importing transactions from my bank to YNAB. I do this once a month for now but I want to do this daily.
I first export the statement from my bank in csv format. Here is how it looks like:
2019-03-20 |
-10,00 |
MAINACCOUNT |
|
Friends & Brgrs German |
Friends & Brgrs German Hamburg, DE |
2019-03-20 |
-1,00 |
MAINACCOUNT |
AUTOSAVE |
NEO1691 |
|
2019-03-20 |
-3,30 |
MAINACCOUNT |
|
elbgold Röstkaffee |
elbgold Röstkaffee Hamburg, DE |
2019-03-20 |
-0,70 |
MAINACCOUNT |
AUTOSAVE |
NEO1691 |
|
2019-03-20 |
-4,78 |
MAINACCOUNT |
|
EDEKA Mueller |
EDEKA Mueller Hamburg, DE |
2019-03-20 |
-0,22 |
MAINACCOUNT |
AUTOSAVE |
NEO1691 |
|
As you can see, it's the transaction from my main account first and then a transaction from my main account to my auto save account as the next row.
I import all of these in my salary account in YNAB and then transfer all the "MAIN to AUTOSAVE" transactions to my autosave account in YNAB. Then in the autosave account, I flip the outflow to inflow.
Everything works well except the fact the the salary account goes down double then what's its supposed to go and the money in the salary account doesn't match the money in my bank's salary account.
So for example, if I import a transaction of one week and the autosave money was 4.5 Euros, after the import the salary account will be X-4.5 Euros where X is the money in my bank's salary account.
Can someone tell me what I am doing wrong?