Major emphasis needed on direct import reliability
Ever since I was switched to the “more reliable” direct import partner I have had consistent connection issues with Wells Fargo, Charles Schwab, and Chase.
I really love YNAB and don’t think there’s much improvement needed for anything else other than this direct import, I just hope that it’s getting the attention it deserves. It’s almost 2020 and we should be able to get a reliable and consistent information from major banking institutions for a budgeting application.
Im curious what work or priority is being placed on this in the background? This would surely help me feel better about my situation. The past two days I’ve had connection issues with two of the three banks I have connected. Every time it gets resolved from an employee another connection issue pops up a day or two later, and the circle continues.
I could understand if this was a once in a month sort of problem, but it’s not
Meh. I'd rather they focus on improving or adding actual features of the budgeting software, and fix budgeting bugs that have lingered since the launch of the online YNAB, adding goals that actually are usable, and including features that existed in previous versions of the software that I can't live without (and that's ignoring Future-dated transactions).
Transaction import is a nice to have, IMHO. I haven't used any form of direct import in any personal finance software since before MS Money was sunset, so we're approaching 10 years of no direct imports for me, and I'm talking tens of thousands of transactions.
I can appreciate what your priorities are but I would argue the majority of individuals would say this is an extremely important feature. This isn’t 2000. Why add new features when existing features aren’t working correctly? What’s wrong with the goal feature? The goals work currently now... could they use improvement? Sure but at least their operational and stable
Those major banking institutions are to blame. They could easily provide a reliable mechanism for aggregators but they would prefer not to. That said, my connections have been rock solid for months. I don't use wells or schwab but my chase, citi, and boa imports have been working flawlessly for a long time.
Hi Purple Vacuum !
I'm sorry you've had so much trouble with direct import! We've made a number of efforts to improve the experience with this feature and we're still trying! We've branched out to using multiple direct import partners in hopes of providing a larger range of more stable connections, but we've come to accept that data aggregation is imperfect. It’s an unfortunate truth, but it’s a truth none-the-less. It’s expected that there will be bumps in the road, and while we do everything we possibly can to fix them as quickly as possible, it’s just not something we have the power to eliminate (and trust me, we really wish we did).
We believe very deeply that YNAB is worth the price without Direct Import, for many of the reasons listed above. If this one feature causes more trouble than it’s worth, you can absolutely use YNAB—and get the full benefit—without it (some users even prefer it this way). There are many other options to get your transactions, including entry on your mobile device and File Based Importing, features we've improved in attempts to make transaction entry easier.
If you don't prefer those options, I understand that as well. We don't want anyone to give up on YNAB because of direct import, but given the imperfect nature of transaction aggregation we'll never be able to guarantee connections. That doesn't mean we're giving up! We have a number of plans to continue polishing this area and we hope you'll stick with us to see them! :)
I’m still in the trial period after many wonderful years with YNAB4. While direct import is convenient, the unreliability of the feature is really disturbing. I believe that the inability to perfect the feature after all this time speaks to a fundamental problem with the company. I use other apps that manage direct connect without a single issue - ever. I really love the YNAB philosophy, but I’m not convinced yet that I’ll stick with nYNAB.
My beef is that Europe has introduce Open Banking which legislates that the banks have to make API's available to third parties to support this type of connectivity. It is working well with a number of other apps I use but YNAB have just told us Europe is not a priority. We cannot connect to any UK banks!!! Really, really disapointed