How often does YNAB sync, and how can you tell if it happened or not?

When you have bank import syncing set up, how often does YNAB contact the bank and do a sync?  Just when you open YNAB in the browser, or more often during an open session?  Is there some indication that the sync has occurred?  It seems that I can only figure this out if I open the 'connect bank' window and see if each account is reporting a problem.

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    Like
  • Hi Slate Gray Storm !

    We check for transactions every morning and when you access the app if we haven't imported within the last 12 hours. If you're on the web app, clicking on the account will allow you to see the Import button - if there's a number next to the Import button, then there are new transactions to import.

    In the mobile app, a blue banner will appear with the number of new transactions available for import.

    Like 1
  • Why can't the user trigger the import function when we want during the day.  My bank apparently did not move transaction from pending this morning, until after YNAB's early morning grab.  I had to wait until this evening for the transactions to be imported.   

    I've read other users checking their budgets all day.  This is useless if there no way to trigger the import yourself to get latest transactions.  And no I don't want to manually enter them in. One reason, is the word "manual" in the last sentence,  and another reason is issues of auto imported transactions duplicating manually entered ones.  Timely and user triggered importing is a basic feature that should be supported by YNAB.

    Like 10
      • Jannelle
      • jannelle_ynabsupport
      • 1 yr ago
      • 1
      • Reported - view

       Magenta Filly We don't currently have that functionality, but it's a great feature request! I know you haven't been the only YNABer to ask about it. 😉

      I gave a little more details on our import schedule in response to another user (scroll down a little), I hope it helps give a bit more insight into the background of things! 😊

      Like 1
  • You can trigger an import by going to the account page and clicking "import" If there's nothing to import, it will say so at the top of the page. If there is, it will be the latest thing in the account. 

    Like
    • Sea Green Device When I try this it just asks me for a file name to do a manual file import.

      Like
      • bevocat
      • Sometimes, It Just Sucks to Be You
      • bevocat
      • 9 mths ago
      • Reported - view

      Slate Gray Storm Then that's not a linked account.

      Like
  • If I restart YNAB, is that enough? Does that count as first time today or does it only sync up once per calendar day?

    Like
      • Jannelle
      • jannelle_ynabsupport
      • 1 yr ago
      • 6
      • Reported - view

      TryingToGetAhead Great question! By default, our system checks for new cleared transactions every night/wee hours of the morning (basically asking our Direct Import partner to go to the bank and download anything new that might have showed up) and we call this a "refresh".  YNAB will also be checking if it’s been 12 hours since we last asked the bank for recent transactions, and if it has, we’ll trigger another refresh.

      Here’s an example of how it’d work for a user:

      - They access YNAB by the morning, around 8am. We realize it’s been more than 12h since we last triggered this “refresh” for them, so we’ll start it in the background for the user. A few minutes later, if there were any new transactions they will pop up for the user to import.

      - They access YNAB again after noon. We check the time again, but it’s been only 4~5 hours, so we don’t do anything.

      - They access YNAB again late afternoon. We check the time again, but it’s been 10~11 hours, so we don’t do anything.

      - They access YNAB at night. We check the time again, realize it’s been more than 12h and trigger the refresh one more time.

      - They stay 3 days without accessing YNAB, and then open the app. We check the time again, realize it’s been more than 12h since we last performed the refresh, and trigger it.

       

      I hope that helps give a little insight! Let me know if you have any questions at all! 

      Like 6
      • MsTJ
      • Gray_Nomad_f6eeb59e1a1c
      • 1 yr ago
      • Reported - view

      Jannelle Thank you for the detail.

      Like
    • Jannelle I really like every feature about this application but this one.. But this is a deal breaker for me not being able to download transactions from the bank on demand.   The reason is that if you are out and about, the information about what purchased is fresh in your mind, so it is the easiest time to provide a accurate representation of what was spent.   Also your direct competition, EveryDollar and Mvelopes both offer download of transactions on demand.   I'd rather pay a little more with this feature enabled.  Please pass this concern on and consider making this a priority.   Again this feature itself is what is preventing me from making the switch, so just something to think about.

      Like 11
    • Hi Salmon Nomad !

      We're sorry to hear you feel that way. We're on a less frequent import schedule than other companies that offer direct import. We check for transactions once every morning and when you access the app if we haven't imported within the last 12 hours. 

      Awareness of spending is a big part of why YNAB works and we're totally unique in that our method leans more heavily on active engagement. That means entering transactions as you spend plays a big role in that. As you stated, that spending is fresh in your mind as you're out and about, which makes it the perfect time to enter those transactions.

      Using that in conjunction with direct import (for filling in where you may have missed), is what we had in mind when we introduced the direct import feature. We know a lot of users rely on it quite a bit, so we’re always re-evaluating and exploring options based on feedback and customer research. However, we don't plan to import pending transactions because we only want finalized information to enter your budget.

      If you have any questions about that, please don't hesitate to ask! :)
       

      Like 1
      • MsTJ
      • Gray_Nomad_f6eeb59e1a1c
      • 1 yr ago
      • Reported - view

      Faness Hello, earlier, in this thread, you said the time between checking had been reduced to 8 hours.  Has it gone back up to 12?  I like 12 better myself.

      Like
    • MsTJ Sorry for the confusion! You're right - it has been updated to check every 8** hours. I grew so used to it being 12, it still rolls off the fingers. ;)

      Like 1
    • Faness Maybe it depends on the bank, but if I use a debit card, the transaction clears immediately.  So I'm not referring to pending transactions, these are cleared transaction.   It would be nice to press a button in YNAB when out to grab the cleared transaction from the bank and just assign a category to it.  The easier it is get those transactions in there the better chance you'll do it if it is quick and easy.     

      Like 1
    • Salmon Nomad It definitely depends on the bank! Financial institutions clear transactions on a schedule - some banks will clear transactions everyday at a certain time, others pick certain days of the week (for instance, I know Chase bank clears transactions Monday-Friday, usually once a day). Most debit transactions are recorded immediately, but usually they don't clear (or "post" to your account), until your bank's scheduled batch process.

      Removing and then re-adding the account can force the system to check for newly cleared transactions at that moment, but I understand that's not the easy step you're looking for. You can submit a Feature Request for that button to grab new transactions. :)

      Like 1
      • Pat Caldwell
      • Graybeard_sidewinder
      • 10 mths ago
      • 2
      • Reported - view

      Salmon Nomad I'm just about to pull the plug on Mvelopes and hence... Why I'm here.  While Mvelopes does allow on demand syncing, they don't download "Pending" transactions.  So you're basically getting one download per day.  Mevelops also offers with there on demand syncing a "truck load" of connectivity issues and there support is shotty at best.  I have been a Mvelopes user for many, many years and I'm currently a "Lifetime" member (I pay nothing now) and I've had enough and moving away.  I'm currently using my trial period with YNAB and I can appreciate your frustration with no manual sync.  I'm looking at posted transactions that won't download until YNAB thinks that it's ready...  My 2 cents worth..

      Like 2
    • Salmon Nomad I agree. I just left Mvelopes (for a myriad of other issues) for YNAB and this is the only area I have an issue with so far.  I have a time window to work on my budget and I'd like to be able to grab all my transactions so I can get things categorized when I have the time.

      Like 1
      • Ivory Cup
      • Ivory_Cup.2
      • 9 mths ago
      • 7
      • Reported - view

      Jannelle That's a fairly significant design gap because not a lot  happens between 8pm and 8am.  But between 8am and 8pm, ALOT happens.  When you are budgeting with a partner, staying up to date/communicating throughout the day is key to staying on track-especially if you are just starting out.

      Like 7
      • bevocat
      • Sometimes, It Just Sucks to Be You
      • bevocat
      • 9 mths ago
      • 3
      • Reported - view

      Ivory Cup If you're entering transactions manually like intended, this isn't actually a problem. Direct Import is a backup to manual entry.

      Like 3
    • Ivory Cup The goal here is to catch that 8pm-8am activity, at 8am - or whenever you log in if it's been more than 8 hours since your last sync. :)

      Like
      • Keyster
      • Keyster
      • 3 mths ago
      • Reported - view

      Faness But this doesn't work well for couples using the same account. I've been waiting for YNAB to let me know when I got a check deposited and it hasn't said a thing all day. What to my surprise but I look at my bank account and it's already been deposited and my spouse has spent half of it on a business trip. My account has been lighting up all day and YNAB didn't do a thing. This is particularly frustrating as others have mentioned and if it continues it will likely be a deal-breaker for me as well. If I wanted to do everything manually I would use an excel sheet, the whole point of YNAB is having something that is helping me track it. 

      Like
      • Herman
      • herman
      • 3 mths ago
      • 1
      • Reported - view

      Keyster switch to excel now then because you will not get what you want.

      Like 1
  • I guess I see where the once per day YNAB import policy makes sense, since banks (at least the bank I use) only update their cleared transactions once a day.

    It wold be nice if you could see 'uncleared' transactions in addition to the 'cleared' transactions in a bank import, but it seems that the banks don't allow that to happen.  I can see all the uncleared transactions if I log in to my banks website, but there isn't an option to add uncleared transactions to the bank export file.

    Like
  • It looks like I was maybe wrong on the uncleared transactions not being available in an import.  That is true if I get a manual import file from my bank (TD Bank), but I just noticed that Mint pulled both cleared and uncleared transactions when I synced this morning.

    Like
  • Slate Gray Storm

    Yeah, our Direct Import partner will only bring in finalized transactions, not any pending ones (some data aggregators bring in pending transactions, as is the case for Mint).

    This is really helpful because oftentimes pending transactions change (or disappear altogether!) but we do recognize that some users want more control there! For now though, uncleared transactions get in your register by adding them at the point of sale! 😋

    Like 1
  • It does not make sense to me to limit transaction downloads to a couple set predetermined times.   I want YNAB to help me make spending decisions throughout the day and this requires the most current information.  My transactions missed the "wee hour" update yesterday and were not imported until last night. 

    I don't want to enter transactions manually.  This is 2018.  In this regard, pending/uncleared transactions should be included, because 99% of time they become the actual cleared transaction.  I would know if any are temporary and for those I don't know I could put in a temporary category to move when/if cleared or delete. 

    Give the customer as much information as possible, and always when they want it (which is on- demand 24x7).

    Like 6
  • I've read over this thread and understand as of 5 months ago (per Jannelle's post) that it's only every 12 hours that the system checks for new cleared transactions based on when you access YNAB. 

    Well, can YNAB support explain a bit more behind the scenes as to why it's not more often (like every 6 or 3 hours) that it checks and updates? I'm sure it's technical as you mentioned a "Direct Import partner", but is there hope on the horizon that the Direct Import partner can do the checks and syncs more often than every 12 hours?

    It sure would be amazingly helpful to people who don't want to manually enter but have the latest up to date info auto-imported more often.

    Thanks!

    Like 1
    • Hi Orchid Projector !

      Sorry for the delay here! I'm happy to report, this time has been shortened since then! :)

      We've reduced the amount of time to every 8 hours, based on when you've last accessed your budget. Banks usually clear transactions at a certain point in the day based off of a schedule (this schedule can vary from bank to bank), so every 8 hours means we're catching transactions cleared in the morning and evening - if a bank decides to clear them since last we checked.

      I can't say for certain if this window will get any smaller. However, most banks don't clear transactions more frequently than that, so it's a good balance! :)

      If you have any other questions, please don't hesitate to ask!

      Like 1
    • Orchid Projector, applications (such as YNAB) that import data from other services (such as banks) have to purchase an API key from the bank, which allocates a certain number "pulls" of user bank data over a given time period. The more pulls of data using a given API key, the more YNAB has to pay the bank from which they purchased the key.  The reason YNAB doesn't allow users to update bank data on demand is probably because it would become too costly for them, and, as a result, more expensive to subscribe to YNAB.

       

      Mint can allow pulls on demand because, although they are free, the service inundates the user with ads (unlike YNAB) and credit card applications (unlike YNAB). Mint hopes it's users open several new credit cards. While, YNAB encourages habits that are financially responsible.

      Like 4
    • Faness  My accounts current show that they are connected, and that it has been  9 & 10 hours since the last import, not 8.  I wish I could have used this app. 

      Like
    • Hi Violet Dragon !

      Have transactions cleared since the last update? I currently have an account that says last updated 10 hour ago, but there are no transactions to update.

      You can force a refresh by resetting that connection. When you have a moment, try to  remove the connection  and then re-add your accounts:

      1. Select your budget name in the top left-hand corner and choose Manage Connections from the drop-down menu.

      2. Then Remove the connection(s) to this financial institution, confirm removal and close the window.

      Then you’ll reconnect your account(s) to a fresh connection:

      3. Hover over the existing account (in the left sidebar) and click on the edit icon. 

      4. Select Link Account > Add New Connection. Search for the financial institution, and follow the prompts.

      Manual entry prevents that delay, but if you prefer using direct import we completely understand!

      Like
  • This is a critical feature. It is not a nice to have.

    Like 3
  • I am a new user and have setup all my accounts to download transaction via linked account. Except that, for example, my Amex account hasn't downloaded any of my transactions or any other CC accounts.  My checking account only goes back few days or the day that I setup YNAB. I also, have a savings account connected (capital 360). There is an auto transfer setup from my checking to savings.  There was a transfer that took place two days ago, which shows in the checking downloaded transaction but nothing was downloaded in the savings account (in a deposit format).
    I am wondering, is there a limit to how far back the transactions are downloaded?
    I have been using quicken but thought I try a different method of budgeting. In quicken you can request update on demand. I think this feature is crucial.

    Like 1
    • Hi Magenta Flute !

      Welcome to You Need A Budget! When you add a linked account, we first import just your Starting Balance.

      After that, we’ll import transactions that clear on or after the date of your Starting Balance. Your financial institution may hold a transaction as “pending” for a day or two, but once they are cleared/posted, they should be available to import in YNAB within 24 hours.

      In the web app, you’ll see a notification dot next to accounts that have transactions to import (or approve/categorize).

      Clicking the banner will import new transactions and apply a search to show you just those transactions and any others that need to be approved or categorized. When you’re done, you can click the 'clear search' link at the bottom!

      You can import old transactions by editing the date of your starting balance transaction. Direct Import will only provide historical transactions for a couple of months in the past, at most. If you need additional history, you might consider our File Based Importing option.

      Let me know if you have any other questions! 😀

      Like
  • I'm so disappointed!  Spent all day yesterday setting up my budget and accounts. Got up this morning to realize that I literally can't use the program because it only syncs every 12 hours? - interesting because your promotional video does *not* make this clear and implies that the syncing is real time.  This morning,  it indicates 9 hours since last sync, none of the new transactions have been pulled (they are in Mint, however).  I'm really sad because I love the program otherwise. But this cripples the app. I can't reconcile in the evening and first thing in the morning.  Before you take money for the app, you should tell people how this works. For some of us it's not functional, and we should be allowed to move on.

    Like 3
    • Hi Violet Dragon !

      YNAB does not import transactions until they clear your account, which can actually take a day or sometimes longer. For banks that don't clear transactions over the weekends, a Saturday transaction wouldn't clear until Monday and wouldn't import until either late Monday or Tuesday. Sorry that wasn't clear!

      You can manually enter transactions or use File Based Importing to prevent that delay, but we understand if YNAB isn't what you're looking for at the moment.

      Like
      • Tan Welder
      • Tan_Welder.4
      • 10 mths ago
      • Reported - view

      Violet Dragon 

      They do give you 30 odd days to figure that out before they take your money.

      Like
  • Yes, I understand that. Thank you. Uncleared transactions are not the issue, unfortunately. Deleting my accounts every morning and then reestablishing the connection does not seem to be a workable alternative.

    Like 1
    • Violet Dragon 

       

      How do I delete my account and all associated information? 

      Like
      • Ben
      • Toolkit for YNAB Designer & Developer
      • furiousfalcon
      • 11 mths ago
      • 1
      • Reported - view

      Violet Dragon Log into the desktop app, click your email address in the bottom left corner, then select "My Account". An option to delete your account is at the bottom of the My Account page.

      Like 1
  • Hi, have read the thread and I am having a problem in that, on one of my linked accounts, it says that it was last updated 12 hours ago and hasn't updated since. It is now 11:00 am here and my transactions for this account haven't been updated since yesterday.

    Like
      • Jannelle
      • jannelle_ynabsupport
      • 10 mths ago
      • Reported - view

      Tan Cartridge 

      When you add a linked account, we first import just your Starting Balance.

      After that, we’ll import transactions that clear on or after the date of your Starting Balance. Your financial institution may hold a transaction as “pending” for a day or two, but once they are cleared/posted, they should be available to import in YNAB within 24 hours.

      In the web app, you’ll see a notification dot next to accounts that have transactions to import (or approve/categorize). It usually takes a few minutes to download/show in the app, so if you don't see a dot right away, give it a few minutes. 

       

       

      Let us know how things are looking!  

      Like
  • Hi Jannelle, I understand what you are saying, but that was not my problem - I have a linked account, but YNAB was taking more than 12 hours to pull transactions from the linked account. When I hit the "Import" link, it says that there are no transactions to import. I know there are transactions from the previous day that are able to be imported but it appears that it is not importing them because it has not attempted a link for 13 hours. Since there is no way to initiate a link "check", I must wait. As was mentioned previously in this thread, YNAB check every eight hours. In my case it was 13 hours and counting. This was yesterday. Today, it is not a problem, but I was wondering why it didn't initiate a link after eight hours.

    Like 1
    • Hi Tan Cartridge !

      I want to make sure you're looking for Cleared transactions to import - transactions should import within 8 hours of clearing your bank, not from when they take place. Different banks clear transactions on different schedules. For instance, some banks don't clear transactions over the weekends. This means a Saturday transaction wouldn't clear until Monday and wouldn't import until late Monday or early Tuesday.

      If the account hasn't updated, you can remove and re-add the account to force an update, but usually the automatic refresh isn't too far behind. :)

      Like
      • Pat Caldwell
      • Graybeard_sidewinder
      • 8 mths ago
      • 1
      • Reported - view

      Faness I too see this problem on a regular basis.  Right now, YNAB last sync my accounts 13+ hours ago and yes, I have cleared transactions that should be imported.  It has become a normal routine to logging into YNAB as well as my bank to see what should be importing.  Waiting 8+ hours in par for the course and many time the wait time is greater than 12 hours.  I know YNAB wants people to be more engaged; however, if a feature is advertised... it should work.  This is frustrating!

      Like 1
    • Pat Caldwell Sorry for the trouble! 

      There are a few things that can contribute to delays:

      - Weekends/Holidays: Most banks aren’t fully operational on non-business days. For example, if a transaction isn’t cleared before the end of the business day on Friday, it typically won't import until the next week.

      - Release time: Your bank may hold a transaction as “pending” for a day or two, even if the transaction is shown in your account online. We won’t import them while they’re still pending. Transactions are typically available to import within 24 hours of the time they clear.

      - Timing of import: We check for transactions in the wee hours of the morning, but there’s no universal standard between financial institutions for when transactions will post. This means transaction(s) may not have been available yet when we did our early morning check.

      - Loading time: When you first access YNAB, it can take up to 5 minutes for new transactions to show next to the 'Import'.

      With all of those in mind, delays of up to 3 days are not unusual. However, if you find you're consistently waiting 4 or more days for cleared transactions to import, there are a few possibilities we’ll need to explore. It might mean either there’s an issue with our partner’s integration or your bank may be on a unique release schedule. Either way, we’ll need to ask our partner about it!

      To help figure this out, let’s start by ruling out a loading/timing delay. If you’re waiting on cleared transactions to import, here’s the best way to do that:

      1. Sign in to YNAB and wait a few minutes. I know that can feel like an eternity, but it can take a little time to communicate with certain financial institutions.

      2. When an account has transactions available to import (or approve or categorize), you’ll see a notification dot next to the account name.

      3. If you don’t see a dot next to the account, check back later in the day.

      If still nothing appears, let me know! I can reach out via email to gather some details for our Direct Import partner to investigate.

      Like
      • Pat Caldwell
      • Graybeard_sidewinder
      • 8 mths ago
      • 4
      • Reported - view

      Faness Thanks you very much for your reply...  When I consider the wait time for transactions to sync, I only consider transactions that have posted to my account.  I never consider "pending" transactions.  I believe that it is fair for me to assume that if my bank (BOA) shows a posted transaction, that YNAB should download the transaction.  As an example, this morning is a typical day with YNAB.  I logon to YNAB and the only transactions ready for "Approval" are those that I have scheduled.  I logon to my bank (BOA) to see that I have one credit card transaction and one checking account transaction that have posted and 10 hours have passed since the last sync.  I guess the trick to understand with YNAB is that if a sync occurs just before the bank transaction posting occurs,  ~18 hours could pass before those posted transactions show up in YNAB.  It is apparent that YNAB prefers manual entries of transactions and while I can see the why some prefer that method, I also can see where others would prefer a more automated approach.  From the activity level of this topic in this forum, it appears that I'm not alone.  Personally, I don't require the manual entry of transactions to stay in touch with my spending and budget.  As a matter of fact, the automation provides me with more time to focus on other aspects of my budget and spending.

      Thanks again... 

      Like 4
    • Pat Caldwell Thank you for sharing your insights here! You're exactly right about missing that import and we understand how that can affect budgeting. We try to set expectations for importing as longer than what we hope, but we aren't always under that time frame. A number of users have brought up the idea of a refresh button, but it's tricky to force a single connection (or a few connections) in a budget to sync on demand. We're looking into alternatives for other improvements with direct import because we hope to make that experience less troublesome. 

      Like 1
  • I am looking at cleared transactions. Typically, I log onto YNAB first thing in the morning, and looking at one of my accounts, it says that the last connection was eight hours ago or 12 hours ago depending on the day, both of which are before midnight on the previous day, midnight being the time my bank clears transactions. I log onto my bank's website, and there are transactions that are cleared there but have not been picked up by YNAB because it has not linked since yesterday evening. Other accounts, even within the same bank but with different logins seem to update more recently. Also, I understand that some banks don't clear over the weekend (mine doesn't) but that is not my issue. As well, I don't want to removed and re-add the account. 

    Like
  • It seems to me that this issue could be easily fixed. Either schedule the app to download transactions at say 4:00 am, or give users the ability to manually download transactions at will. 

    Like 3
      • Pat Caldwell
      • Graybeard_sidewinder
      • 10 mths ago
      • 1
      • Reported - view

      Tan Cartridge I agree that this should be an easy fix and a huge boost for customer satisfaction.  This morning at 4:00 AM I had POSTED transactions waiting.  At 7:00 AM, my accounts showed lasted updated 4 hours ago... still no transactions.  And now more than 8 hours since last update and those same transactions are still waiting.  

      YNAB touts how their way of budgeting works how budgeting is done in real life... with the exception of automation.  YNAB would love to see everyone manually entering transactions and while I can see some benefits for manual entry... This isn't how it's done in real life.  My excitement for YNAB is quickly waning. :-(

      Like 1
    • Tan Cartridge We check for transactions every morning and when you access the app if we haven't imported within the last 8 hours. Removing and readding a bank connection forces an update, but we suggest waiting for those transactions to pull in on their own. Manual entry means your budget is always up to date, but we understand if that's not your preference. Have you given File Based Importing a try?

      Like
      • bevocat
      • Sometimes, It Just Sucks to Be You
      • bevocat
      • 10 mths ago
      • 1
      • Reported - view

      Pat Caldwell Hmm, that's surprising information, because in my real life and in plenty of other people's, that is how it's done. Just because it's not how you personally do it doesn't make it at all an unreasonable way to do it or expect to have it done.

      Like 1
      • Pat Caldwell
      • Graybeard_sidewinder
      • 10 mths ago
      • Reported - view

      bevocat I didn't mean to imply that manually entering transactions is unreasonable as I too will enter transactions manually from time to time.  However, base on the topic of this thread, most are concerned with the automatic downloading of transactions and the frustration that is experienced when this isn't happening consistently or if a problem occurs..  If someone is satisfied with the manual entry of transactions... good for them; I'm just not sure why they would have a comment on a thread about syncing transaction from the financial institutions.

      Like
      • bevocat
      • Sometimes, It Just Sucks to Be You
      • bevocat
      • 10 mths ago
      • 1
      • Reported - view

      Pat Caldwell Because I have an opinion and I get to share it, just like you. ☕

      Like 1
  • I guess that in this day and age of real time information and easy automation, it would be great to be able to trigger an import when needed. I have seen a lot of discussion on this subject of importing (and I have a case open with YNAB about some sync issues).... but IMHO, I don't see any reasons to not have this function. 

     

    Now I do agree that File-Based importing is easy (It is a 6 steps process for me, mainly because of how my bank allow me to access the QFX/OFX files), takes a total of 2 minutes... Again, not that bad. But I can open my Bank Application on my phone every minute if I want and see all my transaction in real time... 

     

    Can I enter my own transaction manually? I actually do (following advice I received here), and it is very satisfying....  And will keep doing it for awareness (and schedule others), but I still do not believe it a good reason to not offer this function.

     

    It seems that some comment says we should be happy with the current state. Well, I work with it, but doesn't mean I wouldn't want to see improvement, especially because I believe this is not a technology challenge. 

     

    Now, if YNAB is telling me that the Import Partner is charging a much bigger fee to allow that function, I get it. But then Just say it.  Maybe it could be address with an extra fee to use this feature.  And if it is really a technology challenge, well I would love to understand why and how.  

     

    But hear me out. Most transaction I do are not imported before 2 to 4 days in YNAB, although I can see it instantly in my online bank account and transaction .  And yes, most of these transaction are instant, no clearance needed (I can actually import them immediately with File-Base importing).  It is just that it hit me this week: I can order from Amazon items and it is delivered to my home quicker than the time it takes for an Instant, Debit Card transaction to get to YNAB. 

     

    I keep using YNAB, it is not a show stopper. But it could be seen as a feature request to have the ability to import on demand as well as following a certain schedule.

    Like 5
  • Faness said:
    - Timing of import: We check for transactions in the wee hours of the morning, but there’s no universal standard between financial institutions for when transactions will post. This means transaction(s) may not have been available yet when we did our early morning check.

     What does it even mean to say "the wee hours of the morning"? The wee hours of the morning is high noon somewhere in the world. You're a global company. Act like it.

    Like 2
  • For me I have a spouse who is not on board with YNAB well in theory he is but he doesn't use the app.  The only way I can keep my budget completely updated is with sync. He may decide to tell me he spent money 4 or 5 days later but with import I can know much sooner. I am able to say we are out of funds then I am able to inform him to stop spending.  

    Like 1
  • Really, really, really need an on-demand sync or at least the ability for the user to set a sync time.  I like to get up in the morning and check my transactions / examine the budget, but if the last import was in "the wee hours of the morning" and happened to be before my bank posted my latest cleared transactions, I can't do anything until way later in the day when the sync finally happens.  I don't care to do manual entry, especially when the transactions are available to be synced and imported.  I'm a new user and I like YNAB better than any of the other alternatives I've found, but the sync issue is a real inconvenience.  Seems to be so for a lot of users, so I'm not sure why it isn't being more effectively addressed. 

    Like 2
    • Coral Tugboat Thanks for the feedback! I can pass that along!  

      Our system checks for newly cleared transactions every night during a nightly refresh, and it also checks again when you log in to the web app, if it has been more than 8 hours since your last import.

      Like
    • Chrissy I have not found this to be the case.  My account currently shows that it's been 13 hours since my last refresh and I've been logged in for quite some time, still without an update.  I have new transactions showing cleared by my bank as of this morning, but I still can't work with my budget since the account hasn't updated.  Something is clearly broken.  

      Like 1
    • Hi Coral Tugboat !

      I took a look and I'm seeing transactions last imported yesterday - is that correct?

      Since you've ruled out those pending transactions, there could still be a few things causing a delay:

      - Timing of import: We check for transactions in the wee hours of the morning, but there’s no universal standard between financial institutions for when transactions will post. This means transaction(s) may not have been available yet when we did our early morning check.

      - Loading time: When you first access YNAB, it can take up to 5 minutes for new transactions to show next to the 'Import'.

      With several factors considered, delays of up to 3 days are not unusual. However, if you find you're consistently waiting 4 or more days for cleared transactions to import, there are a few possibilities we’ll need to explore. It might mean either there’s an issue with our partner’s integration or your bank may be on a unique release schedule. Either way, we’ll need to ask our partner about it!

      If you're seeing extended delays, please let us know and we can reach out via email to gather more details.

      Like
  • In scoping out this thread, I'm trying to understand why my automatic imports also feel so slow. Of my accounts, 4 accounts show as last updated 11 hours ago, 3 accounts as 15 hours ago, and 1 account as 16 hours ago. For the last account (my Bank of America credit card) I know transactions cleared yesterday that did not come through in this morning's "wee hours" update. How can I be at 16 hours since my last update? They're waiting there for me! :-) 

    Like 1
    • Spring Green Admiral The last updated timestamp indicates when we last checked to see if cleared (a.k.a. posted!) transactions were available to pull from your online bank statement. There are a few different things that can cause delays there, posted earlier in the thread here

      When those come in to play, delays of up to 3 days are not unusual. However, if you find you're consistently waiting 4 or more days for cleared transactions to import, there are a few possibilities we’ll need to explore!

      Like
  • My last sync was 20 hours ago. I'm fine with every 12 hours, but I'd like to log in the morning and see my transactions from the day before...

    Like
    • Magenta Network Hi there! Can you let me know which connection you're expecting transactions in? I'm happy to look closer there!

      Like
  • I must admit that I just got caught off guard by this. My bank app is showing an amount that does not match what YNAB has which is very frustrating like others users have mentioned here. I’m am just trying the app and trying to convince my wife that this this the app we should be using however the long delay between syncing will probably be a deal breaker for her. 

    Like 1
    • Hi Psgmolina !

      We don't import pending transactions, so a difference between YNAB and your bank account is expected if you aren't manually entering transactions. To prevent that, you can manually enter those transactions or give File-Based Importing a try. If you're seeing a delay longer than twelve hours after a transaction clears, please let us know!

      Like
  • The app does *not* sync every 12 hours.  I'm currently looking at 21 hours, for example. Sometimes it is closer to 12, other times not.  The most frustrating thing is that it appears that if open my app, to clear a transaction, for example, this sometimes resets the 12 hour window without updating. When I sit down at my computer later in the day to look at the budget, everything is way behind my actual accounts. This is a really great app, and appears to be a good company, but this core functionality is a dumpster fire.  

    Like
    • Hi Violet Dragon !

      We check for transactions every morning and when you access the app if we haven't imported within the last 8 hours. So when you see that countdown refresh, it means the system checked on the back end for transactions. If transactions weren't pulled in, it's possible those new transactions haven't cleared yet or there's a possible issue. Can you let me know which bank you're having trouble with?

      Like
      • Beanorama
      • beanorama
      • 7 mths ago
      • 1
      • Reported - view

      Faness That's good to know, yet that's not how I experience it. I can open YNAB in the morning and see my accounts haven't imported within the last 8 hours. For example, this morning my personal checking account said it had last connected 17 hours ago. I could see on my  bank's website the transaction I was looking for was completed. In hopes of pulling that "when I access the app" trigger, I refreshed the YNAB browser tab. Still nothing.

      Like others who described their experiences, I came back to YNAB later in the day, and that's when found that YNAB had finally connected and imported the transaction. I have no idea what happened in the interim to convince YNAB that I had accessed the app and wanted it to go check again for transactions to import.

      I'm okay with an import delay. I'm okay with a once every 8 hours import. But that's not been my experience.

      Can you be more clear about what, exactly, is the specific trigger YNAB uses to know that I've "accessed the app?"

      Like 1
    • Beanorama They can't tell you. I have never figured out why. However, they will provide an answer. It will be some version of "YNAB syncs every eight hours." It's so frustrating. Just want an honest answer rather than a robotic response that flatly denies what we are actually observing ourselves.  Do they think we are all lying to them? *shrug*

      Like 1
    • Violet Dragon  Yep, I'm sitting at 11 hours since the last sync (at 11:15 am), the web page has been open for several minutes, and I know for sure that there are cleared transactions that haven't downloaded.  This happens quite frequently.  I know it'll update at some point during the day, so I just manage with it, but the system definitely doesn't work as represented.  It's the best I've found so far, but for a paid service, I really would expect better.  

      I'm a technical/software person, so I know at least somewhat how things work, and I just don't see how it could be that hard to make it work correctly.  And I do feel somewhat patronized by the canned responses they give that seem to gloss over the issues so many people are having.  It really shouldn't be that difficult to troubleshoot.

      Like 1
      • adriana01
      • adriana01
      • 7 mths ago
      • 1
      • Reported - view

      Coral Tugboat I had gotten a little more detail in another thread, and it sounds like YNAB looks for a log-in or refresh of the page, not switching to the tab, to trigger checking for imports. Link below so you can see their response:

      https://support.youneedabudget.com/t/80s3tr

      Like 1
    • adriana01  - I don't keep the browser window open normally.  When I opened the browser this morning, it gave me the info stated above, even after a page refresh.  Then I waited several minutes (per YNAB tech person's recommendation) and refreshed again with the same result.  I closed the page about an hour ago, then just opened it again and refreshed a time or two, with the same result (12 hours since last update, new transactions not showing).  Even logging out and back in doesn't trigger an update.  It simply isn't working as they say it should.

      Like 1
      • adriana01
      • adriana01
      • 7 mths ago
      • Reported - view

      Coral Tugboat yeah, that's not how they say it should work. I had thought the other discussion was relevant because support clarified what should be happening, but it doesn't address why it might not be.

      Like
    • Beanorama Thank you for asking and sorry for the delayed response! I see you posted a later comment and you're just about spot on. We estimate loading time at 5 minutes once you log into your account - this is to give YNAB a bit of time to communicate with your financial institutions and pull in any new transactions. If you log out and log back in, and there are new transactions available, they should import within 5 minutes.

      To clarify, that's only if you're logging in after 8 hours. The nightly refresh should take place regardless, but the 8 hour check is triggered by logging in. If you've been logged in for 17 hours straight, refreshing should help but logging out and logging back in is the best option. 

      Violet Dragon We do believe you when you report those delays! You can always write in to [email protected] to report them, but they usually clear up before we can investigate them. There can be a lag or a delay, but if you report them and they don't clear up we're able to troubleshoot to see what's going on. Usually, we suggest starting with our troubleshooting steps.

      Like
      • Beanorama
      • beanorama
      • 7 mths ago
      • 1
      • Reported - view

      Faness Thank you. This helps. Though I regularly close the tab I opened to access YNAB, I rarely have any need to logout and login again. I'm usually staying logged-in for weeks. But if that's the particular event YNAB's developers chose to trigger an import, I'll logout daily. Then in the morning I'll login again, go get my coffee, and come back 5 minutes later.

      Like 1
    • Beanorama That should be the perfect combination! If you're still not seeing things update, would you mind letting us know? We'd be more than happy to take a closer look into things if they're still stalling! :)

      Like
      • Beanorama
      • beanorama
      • 7 mths ago
      • 4
      • Reported - view

      Faness Ya it's working. Showing updates from 18-21 minutes ago. The strategy is an old one, kinda "Back to the Future." You young-uns wouldn't remember how we used to get to work and first thing power-up our PCs; we'd have to leave them alone for a good 20 minutes before they would give us a DOS command line prompt to start working.

      Like 4
      • Superbone
      • YNAB convert since 2008
      • Superbone
      • 7 mths ago
      • 2
      • Reported - view

      Beanorama I keep my tab open most of the time at home and very rarely log out. I just refresh every once in a while. This keeps my last update around 12 hours at the very latest.

      Like 2
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