More Amex Problems - Multiple Cards Imported on Same Account

 There have been a lot of YNAB users with various problems with importing Amex transactions, especially in the last 2-3 months. I see in a lot of threads where YNAB is saying they've been working with their "Import Partner" to resolve a slew of problems. 

I've tried to be patient as the "fixes" with Amex have been rolled out this summer, but my problems persist and I'm about ready to ditch YNAB. 

At the risk of creating another Amex problem thread, here's what I'm dealing with: (If anyone can post a link to a recent, existing post with a solution this exact same problem, please do.)

I have an Amex account with two credit cards associated with it. One of the cards is mine, which is the original, primary card on the account, and the other is my wife's. I added her card to the account as an "additional user."  Each of our cards are under our names, and each card has its own number. Transactions are recorded separately between the two cards, but both cards are still managed under my online Amex account (accessed with my username/password).

In YNAB, I have two  credit card accounts set up to track the spending on each of the two cards.  Up until about 3 months ago I had no issues with this - YNAB recognized the two cards when I added the connection with my Amex account. I could link the two cards separately, and transactions were imported to the appropriate cards/accounts in YNAB. But not anymore... 

Now when  go to "Link" the YNAB account I have set up for my card, using my Amex login credentials, only my card is listed. (It's as if my wife's card doesn't exist.) 

And when I try to "Link" the YNAB account I have set up for my wife's card (again using my Amex login credentials, I get the message: "You've already connected to this financial institution using that username. Please use the existing connection to import from other accounts, or remove it before creating a new one."  Well, I can't - YNAB doesn't recognize any "other accounts" on the existing connection with Amex.

What's more, when YNAB imports transactions to my Amex card, it also includes charges made on my wife's card (even though the cards are effectively separate).

My current solution is to move transactions from my YNAB Amex card account to my wife's Amex YNAB account once they've been imported.  This is annoying because I'm having to bounce back and forth between our Amex online statements and YNAB to make sure I confirm which charges were actually made on what card. Or I could import transactions for both accounts manually, but I'm not into that - a big reason I'm paying for YNAB is the auto-import and transaction matching functionality it (usually) offers.

If anyone is aware of a solution to this problem, please let me know. This used to work fine but I have no idea if this is something that I should expect to work again soon.

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  • I'm having a ton of issues with my various Amex cards too.  But let me just say, I have never been able to track in YNAB if I or my husband made the purchase. Wow!  We have the same setup as is typical of Amex, to give two different account numbers for the primary and authorized user(s).  But it's always been all filed under the one username.  I have 3 Amex cards on my login; 2 I'm primary and one I'm authorized.  I've always been able to choose just from those 3 when linking.  

    So what happens when you add the card with your wife's login credentials?  One of my 3 linkable cards is the one that my husband is the primary and no one has used in a decade.  Because I was only authorized, I was never fully "allowed" to fully see all the account information from my login. I think I told him repeatedly how to add me, or at least pay the bill, but he didn't and the card went into default, etc.  Pre-YNAB, obviously, and hubby is banned from financials now :).  

    He does have a Gold Amex card I keep under Tracking, and use my Amex login and it's fine (well, not recently, it goes fubar on and off all summer).  I'm probably not helping you with your problem at all, since I don't use YNAB with my spouse and don't separate transactions other than on the gold card he uses for business and I track and pay.  I believe you that you've been able to do it a certain way for a long time, I've just never gotten the option to add his authorized card number in all these years and am mystified you have. 

  • Hi Will !

    Thanks for your patience while we've been working on getting that American Express connection ironed out. It's been a rollercoaster! Currently, your connection looks great and transactions are importing. I'm going to move this over to our Bank Import section of the forum, for a better fit.

    Our import partner recently made some changes to their American Express connection in order to resolve their handling of joint accounts. The three months sounds about right! Currently, both joint cards importing into one account is the behavior we expect going forward. It sounds like you preferred the old handling, and I apologize for any frustration the change has caused.

    You can create one connection per set of credentials, and for most financial institutions—you'll want to use the primary account credentials.

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