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.
Thanks for the tips, everyone. Here's what I tried. I don't leave YNAB open, but I usually stay logged-in. So I opened YNAB; on the two active accounts, it showed last updates "a day ago." Refresh, no change. Log-out, one account showed up-dated "a minute ago" and the other still "a day ago." Let it sit for a few minutes and the later account finally showed updated "a few seconds ago."
My conclusion is that with just some activity in the app, even a refresh, it just takes time. How much? I don't know, and YNAB apparently won't say. With a logout and a login, it still takes time, but less.
This is knowable. But we're not being told.
YNAB, why are you making us guess? Why can't you just be upfront and honest and tell us?
I've read the whole thread, and I'm about a month into using YNAB. The timing of the mass linked account update in the "wee hours" of the morning is a weakness. When this mass update happens, my bank hasn't yet posted all of the transactions from the day before. When I log in to YNAB each morning, there are no new transactions to import, even though my bank shows them as posted. And yes, some mornings if I wait 5-10 minutes, the transactions appear. However, most nights I do a quick review of my budget right before bed, which triggers an import attempt, and when I wake up 6-7 hours later it's too soon for it to attempt another import (<8 hrs). If the nightly mass update were later in the morning, transactions would always be available when I check in the morning.
So, if I could request a new feature, it would be the option to configure the time at which our nightly automatic update occurs. Whenever it's currently configured to happen, it's always too early for my bank.
I'm confused as to how this thread has lasted for over a year without a change...? I've read Faness 's same replies to everyone... and all I seem to be reading is, we're sorry, but if you don't like it you can do it manually. This is a paid service. There are free apps that can do this, why can't a subscription one do it? I came to this service because it was automated and gave me a heads-up/reminders when things were happening in my account. You literally advertise to people who've tried the spreadsheet several times and gave it up... People give up spreadsheets because manually entering everything is a total drag. Has this concern actually been voiced to the developers and the company has said, No, that's not going to happen? Can someone shed light on why this issue continues a year later? A little transparency would go a long way here, whereas the repeated responses are doing a wonderful job of pushing people away.
Why not show pending? If it takes the bank a day or two to clear, then you guys another day to update, I'm looking at 2 to 3 days AFTER a purchase before it is reflected in my budget. I'm working 3 days in the past, which doesn't seem like a very efficient way to do it. I don't want to, say, get paid today, but not be able to put that in my budget until three days from now because I'm finally able to log the $3 coffee I bought 3 days ago. Does that make sense to anyone else? and please don't tell me to download info and manually upload that, or manually enter everything. That is what I would expect from a glorified spreadsheet, not a budgeting app. The thought of being a part-time accountant gives me anxiety -- hence me spending enough time reading and posting on this thread to more than account for the time it would take me to manually enter my discrepancies.
PLEASE BE AWARE! EXPENSIVE GLITCH. I just stumbled across a really damaging bug related to sync. YNAB says you can "start over" and begin a new budget, but that you can always go back and look at the old budget and associated transactions. I followed the YNAB guidance and it all seemed fine. I occasionally looked back at the old budget just to get some information.
However, it turns out that *if* YNAB syncs when you are looking at the old budget - something that happens in the background - those transactions ARE NOT updated when you move to the current (new) budget. YNAB does not tell you this! Our family relied on the budget figures in YNAB - including the CC balance. But it was wrong. The result is that our family budget was completely out of whack, and we ended up incurring debt, interest charges, that we now need to figure out how to fix.
At first, I thought that maybe there was some random sync error. But I reproduced the glitch.
I invested a lot of time in the "YNAB way" but this is just unacceptable. How on earth didn't you think of this?
No. That's not the issue. The connections work fine.... Imagine that I have two accounts "old" and "new". All of my transactions are there, but they are *not* in both accounts. They are scattered across them. When I am looking at my old account, and if YNAB syncs at that time, it pulls all the transactions properly onto that account. However, when I go back to new, it will only pulls some of the transactions - it misses some that had already been synced to the old account. This problem works both ways - new to old, old to new. It manifests across my accounts - so it is not a problem with, for example, a specific bank - including my credit union and Amazon Visa. Because we didn't catch this - why would we - and relied on the budget and credit card figures that Ynab provided, our budget is a mess. And we now have credit card debt again. I mention this last point to try to emphasize that this problem is not trivial.
I agree that users should be able to request that their transactions be imported on demand. Currently, when I click 'import' at the top of the page I'm given the message 'There are no transactions to import' when there actually are based off my credit card account.
Budgeting for me tends to be a ritual where I sit down at a certain time on a certain day to account for my transactions from the week and budget. It would be helpful to be able to sync all my accounts so that I have a true snapshot of my spending to work from, rather than having to enter the unsynced transactions manually or wait for YNAB to update at its set time. That's what I already expect when I link my accounts; I'm opting not to have to do manual entry. Thanks!
I would guess that the limitation imposed on the number of account data imports for linked accounts is the result of a cost consideration on the part of YNAB and its Direct Import Partner, meaning that the Partner agreement is for a fixed number of imports per day for $XX dollars (I'm sure the partner does not do it for free.). That would explain the seeming reluctance to offer YNAB customers more imports per day or importing on demand. In my mind that is not a fault because YNAB obviously wants to sell it's product competitively and an increase in the cost of direct imports would necessitate a cost increase passed on to customers. But like an earlier comment on this or another thread, I would pay extra for the ability to do direct importing of data. Perhaps YNAB can offer their product on a tiered rate where a higher priced product is offered with direct importing.