OAuth

There isn't much to say that today's Release Notes haven't. OAuth is here! 🎉

To quote my colleagues:

It’s an “open-standard authorization framework”—basically, a widely accepted method for giving one entity (in this case, YNAB via our direct import partners) access to a specific set of data from another entity (in this case, your transaction information from your financial institution).

We expect these connections will be more stable and require fewer re-authorizations. Which is a great thing!

For financial institutions that are supported, connections have been switched over and you'll see a message in the app. There is a change to the login flow when you re-authorize. This is the first set of OAuth connections, and we look forward to adding more. 

If you hit any snags in the process, our importing team can help. And of course, feel free to ask questions below!

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  • When making a new connection is there a way to tell if oauth will be used?

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

      MustangManiac You'll definitely know it when you do. Last night I had the wrench icon next to my Chase Amazon Prime CC. Clicked it and it takes you through the process. You'll see the new OAuth dialogs and you'll get an email from your bank afterward showing that you authorized it.

      Like 2
    • MustangManiac Yes! The OAuth login flow includes a redirect to your bank's website in order to authenticate before returning to YNAB.

      Like
      • Budget_NC
      • Tomato_Snow_237e7f17927
      • 4 mths ago
      • Reported - view

      Nicole So do the ID and password fields appear first before redirecting to the bank or does it go straight to the bank?  I have not connected to Ally before because of their rather onerous user agreement.  When I try to connect it comes up with an Ally bank logo and the ID and password fields.  I know that Ally uses Oauth at least for their investment accounts so can't tell if it is being used for checking and savings.

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      • TerbaTron
      • my mom is an accountant. I think I love budgeting
      • Green_Boat.7
      • 4 mths ago
      • Reported - view

      Superbone That is weird, I have a chase amazon prime card and nothing has changed with mine. 

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

      TerbaTron Hmm. Maybe a slow rollout?

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    • Budget_NC This the first batch of OAuth connections, others will continue to prompt for credentials as usual. We'll be adding more in the future!

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  • I'd love to know which banks support OAuth - security concerns like this will easily be of critical importance when making future banking decisions. I'd take poorer rewards for better security-practices and API support, any day.

    Like 2
    • Elliott Cable Excellent question! I'm checking on the team with this one. Our holiday break starts today so it may take a bit longer. One of us follow up when we hear back!

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

      Nicole Any update on this? Chase is working *great* but I wonder about others like Bank of America, for example. 

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    • Thanks for the ping, OsterTribe ! CC: Elliott Cable too. This has brought up a great discussion with the team to inspire future changes! We don't have a published list but are happy to chat through the options via email. You can click the question mark in your budget to send us a message or reach out to our importing team here.

      We're unable to provide a timeline for adding specific banks and don't know for sure ourselves until the contract is signed, but if the option is added for one of your connections—you'd see an in-app message right away.

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  • Do we need to re-link accounts currently using MX? Or will YNAB swap supported linked accounts on it's own?

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      • Herman
      • herman
      • 4 mths ago
      • 3
      • Reported - view

      Nate Urbs I'm on Mx and for me, As each account added Oath I received the message the connection needed to be reauthorized and the flow of doing so changed to where it notified me it was taking me to the institution to authorize my connection.  I then got a message from the institution that I had authorized ynab.  Easy clean process.

      Like 3
  • Is this for both MX and Plaid? I have quite a few banks linked, including many major ones, but see no messages to upgrade connection to OAuth.

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    • Hot Pink Saxophone Yes! OAuth connections are rolling out for both MX and Plaid. 🎉  There are differences between the two providers, but we're really excited to build on that!

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  • So far in the last two weeks, I've had three of my four institutions moved to OAth. So far, its been pretty good

    Like 1
  • It's almost too fast now! LOL

    Like 1
    • Katy Peternel Woo! That's the first I've heard that. 🤣

      Like 1
  • Good news! Since I am not living in the US, I'd love to know whether OAuth might also lead to supporting new (European) banks? Can't wait for the day I'll read about that in the annoucements ;) 
    Have a great 2021 anyway!

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  • Will this work with Capital One accounts? I still can't add my actual bank account to YNAB.

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