Amex not importing both cards on one account

My husband and I each have an Amex card, linked together.  When I first setup the Amex connection, it showed the entire account balance under my card (judging by the last 4 numbers) and showed $0 balance under my husband's card.  Now it seems to only import charges to my card and does not import charges to my husband's card, although they both contribute to the account balance. 

Any ideas?  How can I manage these together as one account, and also make sure that all transactions are imported?  I could not find anything similar to this already discussed.  Thanks!

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    Like
  • Faness tagging you because you're always super helpful

    Like 1
    • Cornflower Blue Falcon You can always tag me - I'm more than happy to help! :)

      Just to make sure I understand here, this is one Amex account that's linked to two separate cards - is that correct? We've recently learned that Amex seems to be unique in the way they issue cards for joint account members. We've reached out to our Direct Import partner about this, and while they are looking into handling it differently for those Amex accounts with multiple card holders, as of now they only allow for separate connections to each of these credit card accounts. 

      This leaves us with two options:

      1. You can create another Amex account for the secondary card holder and connect it separately so it imports transactions that were made on that card. Make sure it has the same start date as the main Amex account, and change the starting balance amount to 0.00. When transactions import, you can then move them to the main account by selecting the transactions and going to Edit > Move to Account.

      2. Alternatively (and this is recommended) you can connect one budget account to the most active card and use File Based Importing to fill in the gaps for the rest. The good news is it's super easy to download a QFX from Amex (it's the "Quicken" option), and then drag and drop a file containing your transactions right into YNAB. Even if direct import is bringing in transactions from one card, when you drop in the QFX of the entire account, it will skip over the ones you already entered — no need to worry about duplicates!

      I'm sorry -- I know neither of those options are quite as ideal as being able to have it all import into one account! I've made sure to let our Direct Import partner know that this situation is in no way ideal for our fellow YNABers, and I'm hoping they'll consider changing this (if possible!) in the future.

      Let me know if I can help with anything else or if you have any questions about all that. 

      Like
      • CanonGirl87
      • Slate_Blue_Guitar.5
      • 8 mths ago
      • Reported - view

      Faness Is this still the most accurate resolution for this problem? When I first started YNAB I didn't have this issue, it imported all transactions normally - it's only just stopped importing my husband's transactions. 

      Like
    • Hi Slate Blue Guitar !

      Currently, yes, this is the most up to date approach. However, we're hoping it won't be too much longer before this is resolved! Our Direct Import partner is beta testing a new account integration that will import transactions from both cards into one account. :)

      Like 1
      • Josh
      • L8NC
      • 8 mths ago
      • 1
      • Reported - view

      Just for anyone following this topic, I spoke with American Express today regarding this issue after contact with YNAB support. They are not aware of why transactions would not download if a user is relying on the primary account holder's credentials for account linkage. They have opened a ticket with their support staff to investigate after I mentioned YNAB. The support agent mentioned this is not the first report she has encountered of this issue. 

      Like 1
      • Josh
      • L8NC
      • 8 mths ago
      • 1
      • Reported - view

      Please note, the support agent I am referring to is with American Express and she stated that she has heard of other people reporting this issue with YNAB. 

      Like 1
    • Josh Its rather odd that it seems to be specific to YNAB. I have Quicken and Personal Capital both synching the same AMEX and neither of them have this problem.

      Like
      • Josh
      • L8NC
      • 8 mths ago
      • Reported - view

      Orchid Lobster Agree. I know that in Banktivity for Mac, Quicken on both Windows and Mac, and other web-based tools, all of my transactions download using a single account. I don't have to use two logins (one for each cardholder) or do a manual import. Based on my testing, this is purely an issue with YNAB and the method used by YNAB for direct import of AMEX transactions on their systems. 

      Like
    • Josh We use a number of direct import providers, and this is an issue on their end. Luckily, they are beta testing that solution that Faness mentioned and we're hopeful this will be resolved soon!

      Like
      • Josh
      • L8NC
      • 8 mths ago
      • Reported - view

      Chrissy  Can't wait! Nearing the end of my trial and I have to manually reconcile that account because of the way transactions are imported. 

      Will there be an email or notification sent once this is out of beta testing? Or is there a way to request one? 

      Like
    • Hi Josh !

      We currently don't have a notification list, since this is being worked on as an "improvement" rather than a "fix". However, we'll be sure to update things here once the beta has been cleared and launched! :)

      Like
      • Ivory Chef
      • Ivory_Chef.5
      • 8 mths ago
      • 3
      • Reported - view

      Faness  Hi, I don't want to be adversarial, but not just AMEX has several cardholders on their account, this is a routine operation in many households.  If you read along in the thread about seven months ago, you said "Sorry for the trouble here! This is a decision that American Express has made; we aren't able to bypass their allowances."    That sounds like you blamed American Express.  Also in this thread are lots of people telling you other services have zero issues on the import, and .this is a problem.  You told us your import vendor was addressing it; then it was "we have several import vendors," and now it isn't a "fix," its an "improvement" in beta.   I'm wondering, is this really every getting fixed?  Will this feature ever see prime because this will definitely make a difference to me.  Thanks very much for the help, but I think after 7 months we really need to talk turkey.

      Like 3
      • Ivory Chef
      • Ivory_Chef.5
      • 8 mths ago
      • Reported - view

      Faness  Also, I would like to tell you that we tried the download that Sarah suggested and imported using the "quicken" file.  Did not work well for us and resulted in duplicate charges on different days, and we had to unlink the account before we were able to import anyway.  What did work was the import of each account separately.  Takes a few extra moments but works very well and in an up-to-the-minute type way which we like so we can keep an eye.  This satisfies the immediate need, and I hope that helps other users.  Looking forward to finding out if the feature will finally be available.

      Like
    • Hi Ivory Chef !

      Amex has a unique way that they issue cards for joint account members, and that affects how our Direct Import partner is able to pull in the data.

      As you mentioned, this thread is several months old and over time, what we've heard from the Direct Import partner has evolved. This is currently being addressed, and the "improvement" is in beta testing. It isn't truly a fix, until it is available for all users. 😀

      Like 1
    • Ivory Chef Thanks for letting us know!

      We have two suggested methods to handle these Amex accounts, posted earlier in the thread. It sounds like the first might be working better for you? We appreciate your feedback on the process, and hope that the "improvement" will be available soon!

      Like 1
    • Nicole at YNAB it seems that the new sync has been implemented.  I'm now seeing duplicate transactions from my master AMEX account and my sub AMEX account.  I'm not confident, though, and it may be a result of me moving the transactions from sub to master, but the master now has them twice, and now the sub wants to import them again.  Can you let us know whether something has changed from a sync perspective in the last day or so?  Thanks!

      Like
    • Alice Blue Door That happened to me, too.  After all the hullabaloo died down, I realized I needed to run the reconcile feature to make sure nothing was missed.  Because of the manual importing and other things, the balances didn't match up exactly (I think I missed something, or accidentally mis-rejected a transaction that I thought was a duplicate but wasn't) but it took an adjusting entry to get things back ship-shape again.  

      It was definitely a PICNIC error though (Problem In Chair, Not In Computer) :D

      Like
    • Horatio Spifflewicket if I'm understanding correctly, I should reconcile the sub account after I import and move the transactions over so it doesn't re-import?

      Like
    • Alice Blue Door 

      That's right! If you move the transactions and don't reconcile, they could reimport frequently. 

      Like
    • Alice Blue Door I had one reconcile in the main account too.  But, like I said, I think that was user error on my part - forgetting to move something.  

      Like
      • MN_Breeze
      • Alice_Blue_Android.2
      • 3 mths ago
      • 2
      • Reported - view

      Faness Oh my gosh! I've been struggling so hard with this! This was such a super easy solution and nearly as easy as the direct import. I'm so glad I found this solution.

      Like 2
    • Hi Alice Blue Android ! I wanted to check in. Do you have an American Express account with joint cards? Our import partner was able to build a fix for the integration, so those steps aren't needed any longer.

      You can find those further down in the thread, here. If you have questions, let me know! 

      Like
  • Would just like to say that we are having the same problem. We have one AMEX account with two cards. Originally YNAB imported everything from each card, but just recently is only importing from my card and not my wife’s. We hope that your Direct Importer can resolve this soon.

    Like
  • I just upgraded from YNAB local client to the online version. This is a MAJOR drawback of this version.

    I just realized that half the transactions were missing! we are completely off budget because of this.

    Manual work arounds here are not acceptable.

    When will this be resolved? 

    I might as well revert to doing things manually because this defect will result with me doing what I had to do in before the upgrade.

    Like
    • Hi Spring Green Motherboard !

      Sorry for the trouble here! This is a decision that American Express has made, we aren't able to bypass their allowances. Connecting your second account as a separate account in YNAB will allow you to import your transactions from that account as well, they'd just need to be moved to the other account in YNAB to show one account with a full record of both cards.

      Like
    • Faness I'm facing this issue as well having recently switched from YNAB 4 to YNAB online. Why not make it possible to link multiple AMEX accounts to one YNAB account? The whole draw for switching versions was less manual work, but this is only making things more complicated for me.

      Like
    • Hi Powder Blue Cup !

      The issue here is, only one account can be connected at a time. This is in place for a number of reasons and, for most accounts, is all that's needed. In theory, you could connect your primary, disconnect it, then connect the secondary and continue that process each time you have transactions to import, but connecting and disconnecting is more work than using File Based Importing and could cause delays based on when you're connecting the accounts. 

      I know this isn't ideal, but we're hoping to see this changed at some point in the future!

      Like
  • Hello, Just want to say I am in the same boat and am hoping for a solution which makes it simple for us. Thank you.

    Like
  • Faness sounds like there are enough customers affected that this would be a legit feature request. Do you have a process for that or can we consider this forum post a feature request?

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

      Powder Blue Cup I'm not Faness, but I would love to chime in here and say, YES! This handling of American Express joint accounts is something that we're already working with our Direct Import partner on. We're working on narrowing some things down, and reading through all of this discussion has been very helpful! I'll be sure to pass it all along in our current efforts, as it's quite a pain point for the users affected, so thank you for tagging us here! 

      Like 1
  • I know the original post is old but this does not match my experience. I'm an authorized user my wife's AmEx Blue Cash credit card. Our card numbers are different. We get all transactions from both cards into a single YNAB credit card account.

    A new transaction just posted that was a gas station charge by me, yesterday. The connection to the bank uses her AmEx web user ID. We've never had a problem such as was reported here.

    Like
      • NotMyName
      • Notmyname
      • 1 yr ago
      • Reported - view

      spammagnet Us too...2 cards, one account, no problems since April 2017 when I first connected the account.

      Like
    • NotMyName If you guys have gotten this to work, then please tell me what I've done wrong. I created an account for Amex in YNAB and linked it to my account on the Amex website. I'm only seeing the transactions from my card and not my wife's. They do have different card numbers, but the transactions all show up on the same statement. Amex told me the cannot/will not issue cards to both of us with the same number though and blame YNAB for the issue.

      Like
    • Powder Blue Cup "I created an account for Amex in YNAB and linked it to my account on the Amex website. I'm only seeing the transactions from my card and not my wife's."

      Are you using the primary card holders AmEx web ID? Or the secondary? Mine is the secondary card. If I log into AmEx using my web ID, I see only my secondary card and my transactions on it; if I log into AmEx using my wife's web ID, I see only her card but the list of activity includes transactions from my card, distinguished by my name.

      Perhaps that has a bearing on the outcome in YNAB?

      Like
    • spammagnet I'm using the my login, which is the primary for Amex. When I login to the Amex website, I see all transactions. Mine and my wife's. YNAB however, only imports my transactions and not my wife's.

      Like
      • NotMyName
      • Notmyname
      • 1 yr ago
      • Reported - view

      Powder Blue Cup I wish I knew what we did differently, seems like we just got lucky.  I'd originally thought it was the User ID theory, but that doesn't appear to be the case.  The only thing I can think of is that I linked the account before getting a secondary card for my husband, but if that's the trick, it really doesn't help anyone else.

      Like
  • ok - I think this is related but a bit different...we have an American Express account with multiple card users in the family (each with their own card/name and different account numbers).  I manage all transactions all American Express site through my login and all the transactions always show up together (tagged with the user's name).  We don't have other logins/seperate logins for the other cards.  In YNAB, only my transactions on my card show up - not the rest of the family.  We don't have other Amx logins ... so how do I get them all to come into YBAB?

    Like
    • Turquoise Tiger Your response seems to rule out the user ID theory.

      Like
    • spammagnet yep - although I now was able to get all transactions in by creating AmX logins for each member of the family and in YNAB creating accounts that I seperately linked to each account (meaning chose link to a new bank when creating the account)...that seems to be a workaround - of course, the balances are now spread across 4 YNAB accounts - but all the dollars+transactions are there.

      Like
    • Turquoise Tiger Yes it seems like I will have to have separate Amex accounts for each card and then therefore linking 2 accounts in YNAB. Interesting there are different YNAB scenarios for the same Amex scenarios.

      Like
    • Turquoise Tiger My expectation would be what you observe for the individual non-primary users, but not for the primary user.

      If your initial connection was with a non-primary user account, try unlinking all accounts and delete all AmEx bank connections. Then create a new connection using the primary user account. Link the YNAB budget account you want to contain all transactions to that bank connection. Maybe that will reset set it?

      Like
    • spammagnet I have the primary account holder on amex linked to ynab yet I only see the primary account purchases on ynab and not the secondary amex card which is linked to the primary account in amex

      Like 1
    • Turquoise Tape Sorry, I have no other suggestions.

      Like
  • Having this issue as well. 

    Going to import the secondary account separate. Instead of moving all the tran

     

    sactions over any I just split the payment across the 2 accounts?

     

    This would be much less moving. 

    Like
    • Hi Rutgers !

      As long as you can view the accounts separately through your bank, and can thus reconcile them independently, then you can keep them separate in YNAB (even if you can't reconcile separately, you could still keep the accounts separate, it would just be harder to keep track of the balances).

      When you make a single payment, you'll want to make sure that it's applied to the accounts correctly and your balance is accurate afterwards. :)

      Like 1
  • This has been very frustrating for our household as well. Please, please keep trying to come up with a solution!

    Also: When we try to move transactions over from the secondary account to the primary account per YNAB instructions (so that "available" amounts make sense will reconcile to the balance), suddenly the secondary account will get populated with a bunch of duplicate transactions. It's very burdensome to go through and figure out which transactions are duplicates.

    Like
  • Faness said:
    1. You can create another Amex account for the secondary card holder and connect it separately so it imports transactions that were made on that card. Make sure it has the same start date as the main Amex account, and change the starting balance amount to 0.00. When transactions import, you can then move them to the main account by selecting the transactions and going to Edit > Move to Account.

    First off, I am seeing the same issue as others (I am the only one with an AMEX login, but both my wife and I have separate credit cards and her transactions are not downloading).

    I used method 1 from Faness as a temporary workaround until the issue is properly resolved, but I am having problems similar to 0neontabudgeteers. The steps & results are:

    1. Create a 2nd linked YNAB account for the secondary cardholder, import transactions.

    2. Move the transaction to the primary cardholder YNAB account (great, everything looks good!).

    3. Until... upon the next sync of the secondary account (which has zero transactions in it), the same transaction is imported again. It now exists in both accounts. This has happened multiple times after moving/deleting duplicates.

    Has anyone confirmed that this method works? Is there a step that we are missing? Or perhaps something changed in the 7 months since this advice was given?

    Like
    • Hi AW ! Thanks for reaching out!

      Amex has a unique way that they issue cards for joint account members, which is the cause of this issue. Our Direct Import partner is looking into handling these differently—as of now, they only allow for separate connections.

      Either of the two methods that Faness mentioned will work in this scenario! Those steps are still what we recommend! 😀

      Like
  • One more for which this is super frustrating. Have been trying to do the first work around provided where we set up both cards to import and then move transactions from the secondary to the primary. This seemed to be a frustrating but usable workaround however, now after transactions are moved from the secondary to the primary when YNAB syncs with Amex it reimports all of the moved transactions again and says they are new transactions. Very frustrating.

    Like
    • Hi Gray Tiger !

      Sorry for the trouble! Did this re-importing just start? Those transactions should only import once. You may be able to reconcile the account to keep them from re-importing.

      We truly apologize for the inconvenience. We know these workarounds aren't the best options and we're hoping to see this improve in the future!

      Like
      • AW
      • awood
      • 9 mths ago
      • 1
      • Reported - view

      Gray Tiger 

      For me, the transactions will also continue to import over and over again if they are moved. Faness indicates that this should not happen but it definitely does (confirmed with multiple different transactions over multiple days).  The workaround is to change the start date of the secondary duplicate account to today's date when you move the transaction to the primary account. They only seem to import transactions on or after the date of the "Starting Balance" transaction .  So it is a 2-step process:

      1. Move transaction from the duplicate authorized user account to the primary account.

      2. Change the transaction date of the Starting Balance transaction of the duplicate account to be today's date.

      Word of caution, I suspect there could be a situation where a transaction posts mid-day after the Starting Balance has been changed and then it would not be imported.

      Like 1
    • I am having the same set of issues, with the same dilemma over moving transactions. I couldn't handle the transactions re-importing, nor the thought that I might end up missing transactions due to timing issues if I changed the start date for the account each time. I've decided to leave them as separate accounts, and when reconciling will have to add the two reconciliation amounts together to see if it matches the Amex account balance. We'll see how that goes. I've reconciled once so far, and could not get it to tie, but there was so much mess trying to clean up duplicate transactions and modifying dates, etc., before I decided to keep them separate that I just added an adjustment and moved on. I'll probably have nightmares about that under $3 adjustment for a while, but for my own sanity I had to let it go.

      Hopefully this will be resolved soon...

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

      Orange Boat We're working hard on it, thanks for hanging in there with us in the meantime!

      Like
  • Almost at the end of the first month here, and suddenly realized this was going on for us as well.  Only the primary logs in, all show up in Amex, but only the primary shows up in YNAB.  This is a major bummer, and now I'm just wishing I'd not spent the last month moving over to the online version.  It sounds like this isn't something to be fixed soon... but it does seem like it should be solvable.  I'm struggling with whether to switch on back, and recreate my budget for January in YNAB classic.  Hard to justify paying if I'll have to keep doing the manual import on my primary card.

    Like
    • Hi Beige Mask !

      I do have some good news to offer here! Our Direct Import partner let us know they are now viewing this issue as a problem (they were reluctant to admit this was an issue since transactions Do still import, just into separate accounts). They have decided to build a new integration to handle those transactions in the same account. 

      However, we can't say for certain when the new integration will be built or available. I don't want to be misleading, it could still take a while for that option to be put into place, but it is being worked on!

      Like 1
      • AW
      • awood
      • 9 mths ago
      • Reported - view

      Beige Mask I'm not sure if our situations are exactly the same, but I have a single Amex login and my wife is an authorized user on the account (so Amex issued her a unique cc #). When I link the account in YNAB for our one and only login, it gives the option to link both accounts (see screenshot).  So I created & linked the secondary account in YNAB, and then consolidate transactions as discussed above. It's certainly not ideal but is an acceptable temporary workaround IMO.

      1. Move transaction from the duplicate authorized user account to the primary account.

      2. Change the transaction date of the Starting Balance transaction of the duplicate account to be today's date.

      Like
  • I have the same problem and I think it is a cop-out on YNAB's part to blame AMEX. This is how the bank works so figure out a way around it. 

    Like
    • Aquamarine Koala We're working on it! :)

      Our Direct Import partner has taken on building a separate integration for Amex so that those transactions will import into the same account. They aren't able to give us a time frame on how long that will take, but it's in the works!

      Like
    • Aquamarine Koala 

      The thing is that this isn't always how AMEX worked. 

      Being in the software industry, I can tell you that companies will change the way their API functions, or the way their lists are exported, or some other change without any notification to the people who are using their interface that things have changed.  And, computers being what they are, even small things like replacing a single quote (') with a double quote (") can break the process.  (that happened to us).  

      Then you have to respond as quickly as you can to figure out what changed and why it broke your system.  It looks like this was a larger change by AMEX, so I'm not surprised that it disrupted things.  It's great to hear that the Direct Import partner is sorting it out (and probably endlessly frustrating to them that they now have to use a different method for just one bank).  

      I know on my end it is frustrating to have to wait, but still not the end of the world and the system will be more robust once they're done.

      Like 1
  • I'm glad this is being worked on but as a new user its disappointing to see this has been an issue for at least 8 months. It should be noted the other financial aggregators can handle AMEX without these issues. I have both Personal Capital and Quicken downloading transactions from AMEX and neither have this problem.

    I appreciate it might be hard for you too address because you are dependent on an external partner but frankly that's irrelevant. At the end of the day YNAB doesn't work right and other similar software does.

    If the Direct Import partner can't fix this in a timely manner why can't a workaround be implemented inside of YNAB? It seems like the workaround of linking both logins and moving transactions could be automated by YNAB by allowing you to specify multiple external accounts that should be combined into a single logical account within YNAB.

    It also seems like if there is a known limitation in the handling of AMEX accounts the account setup process should warn you. It would have at least saved me a couple of days wondering why some of my transactions weren't clearing.

    Like 1
    • Hi Orchid Lobster !

      Sorry for the trouble! This issue with Amex has lasted longer than most - initially, our Direct Import partner was reluctant to admit this was a problem since Amex accounts still connect and import successfully (but separately). They're now working on building a new aggregation to work with Amex, but they've let us know that may take some time to complete.

      Currently, an account in YNAB can only link to one bank account. Outside of this issue with Amex, connecting to multiple accounts would cause trouble with balances and could cause issues with the way transactions import. For those reasons, accounts only support one connection. 

      Thank you for your feedback about the account set up! I'm going to pass this along to our direct import team! :)

      Like
  • Thanks for the response. In my kludgey multiaccount hack you’d have to give the user the option of how to deal with the balance. Either pick one account as the master and the others as just a source of transactions or aggregate them. Though does the balance matter? Isn’t the balance just the total of all the transactions? When I reconcile it asks me for the online balance.

    Like
    • Orchid Lobster Yes, the balance is the total of the transactions in the account. However, reconciling involves comparing YNAB to your bank to make sure those balances are correct - with multiple account transactions, it would be hard for the account to ever reconcile successfully and a balance adjustment would be needed. 

      We try to avoid toggle features or optional inputs. Hopefully, that connection will be up sooner rather than later so you can import those transactions normally, along with your other accounts. :)

      Like
    • Faness In the AMEX case the balance I need to reconcile to is the balance I see when I log in to the AMEX website which is the sum of all the transactions from all the cards on the account. What I’m sugesting is you basically automate the workaround of having seperate accounts in YNAB for each card and manually moving the transactions. If you let me to tell YNAB to salve one account to another YNAB could hide the sub account and automatically move any transactions for account B to account A everything should work.

      Like
    • Orchid Lobster Since accounts don't currently allow for this function, a separate option would need to be built to handle Amex accounts differently - much like our Direct Import partner is now working on an integration platform to handle Amex in a special way. It's better to fix this at the direct import source than to build special handling for a single/specific bank account in a budget.

      Like
  • I totally stumbled upon this thread since it's up on top, but I agree at the bare minimum YNAB needs to alert those adding an AMEX that this is happening (I mean go into today and write code for a pop up when you add an AMEX card linking to a help page). Why wait for all of us to come to you with these issues? I had no idea why my trasactions hadn't come through and was just "waiting it out" sounds like the second card transactions never come through? Is this still true? What about the balance? Won't it always be wrong?  Really tring to talk my husband into YNAB but I think he'll balk at this if we can't figure out how to get our main card in there right.

    Like 1
      • Jannelle
      • jannelle_ynabsupport
      • 9 mths ago
      • Reported - view

      Sky Blue Flute Thank you so much for that feedback, you're right, a message pop up would definitely be ideal! I'll definitely look into getting that set up for future YNABers. 

      While our Direct Import partner finishes up their Amex connection, we recommend connecting one account  the most active card) and use File Based Importing to fill in the gaps for the rest.  That will certainly keep things as simple as possible in the meantime! We totally understand that's it's a broken experience though, we're working really hard to get this update released as soon as possible! And when we do, we'll definitely reach out with a heads up. 

      Like
    • Jannelle the File based Import option is really bad. For the new AMEX interface, you can only download all of the transactions for both users, which means I'll need to clean up duplicates for the half that do come in over direct import. The option to import a CSV created by AMEX doesn't work.

      Before recommending this to users, have you tried it? Send me an email if you want me to screen-share to show what this is like IRL.

      Like
    • Orange Song did you try the file based import? When I did it YNAB was smart enough to detect and ignore the duplicates. 

      Like
      • Beige Mask
      • Beige_Mask.4
      • 9 mths ago
      • Reported - view

      Orchid Lobster 

      Unfortunately, when I tried it I had the opposite experience and got to enjoy the next hour untangling.  Now, I’m just working with 2 accounts and twice a month I pull transactions over and update my initial balance date.  It might have been a fluke for me, but I’m not willing to risk trying again.  I’m very comfortable that this will be addressed soon, as the only alternative I would trust would be disconnecting and switching to download only.

      Like
      • Orange Song
      • Orange_Song.3
      • 9 mths ago
      • 1
      • Reported - view

      Orchid Lobster thank you I tried this and it WAS smart enough to remove the duplicates. Thank you!

      Like 1
  • Also I could unlink the card, but as my husband has the main log in/card I won't be able to see his purchases. And he's already not that into try the budget thing so..... what to do??

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  • I have the same issue as AW .  I use method #1 and move the transactions from my wife's account to the my account. Then boom the same transactions re-appear in my wife's account creating duplicates.   Method #1 does not work smoothly. Takes lots of time to review and determine which are duplicates and which are not.

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    • Hot Pink Device when doing method 1 can you change the start date of the secondary account after moving transactions over so it doesn’t redownload the ones that were moved?

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    • Orchid Lobster I will give that a try. Also thought about just keeping two accounts separate and then when I pay off the card each month I split the transaction payment between the two accounts... If that is possible.

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  • Faness  method #2 suggested above doesn't really work either. It was fine the first time I did it but the second time I tried it created duplicates for all the transactions that were included in my previous import. 

     

    This is pretty frustrating and disappointing.

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    • Orchid Lobster Sorry for the trouble! Our Direct Import partner is working on a rebuild for Amex to fix this issue, so hopefully we'll see this process ironed out in the near future!

      Like
    • Faness The manual import not detecting duplicates seems like a bug. Certainly people who use manual import with their accounts will have the same transaction in multiple pulls from the bank.

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    • Orchid Lobster The same transaction isn't supposed to import into an account more than once. However, by moving the transaction to another account, it's no longer in the initial account and thus re-importing. I've reached out to a colleague to see if there's anything we can do about this. :)

      Like
      • AW
      • awood
      • 9 mths ago
      • Reported - view

      I was looking at their API to try to automate this process and at least it seems to make sense now. It hinges on the fact that they assign an import_id to each imported transaction which is unique *by account*. So as Faness said, when you move the transaction, it is no longer associated with the original account and thus duplicated.

      Now, if we just delete a transaction rather than move it, then it is *not* duplicated. This is most likely because when you delete a transaction it is a "soft" delete; that is, it is not really deleted, but a field on the transaction is set to "deleted:true." This means that it doesn't show up in the app, but behind the scenes the transaction (with that import_id) exists for the account, and it is not re-imported. 

      Based on that knowledge, here is my new approach:
      1. *Copy* the original transaction by re-entering it in the secondary account.
      2. Move the *copied* version to the primary account.
      3. Delete the original version from the secondary account.

      Unfortunately there's no "copy" feature that I'm aware of so this is tedious and error prone so I still plan to look into an automated API-based solution.

      PS: An additional flavor of the above approach would be to skip step 3 and instead of deleting the original transaction, set the Amount to $0 (with original amount in the memo perhaps?). 

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      • AW
      • awood
      • 9 mths ago
      • Reported - view

      Faness FYI-Somewhat unrelated, and I'm not sure what problems (if any) could arise because of it, but I confirmed that if you have 2 imported transactions with the same date & amount in 2 different accounts, then you move one into the other account, you end up with 2 transactions with the same import_id in the same account--which theoretically is not valid according to the API docs.

      "import_id: If the Transaction was imported, this field is a unique (by account) import identifier."

      Like
    • AW That does seem odd. Is it the same transaction imported into two separate accounts and then moved into the same account? It shouldn't affect the import, since the transaction is already there, but it does seem odd it's allowed to happen. Would you mind submitting a Bug Report to make sure our development team is aware?

      Like
  • It's a bit extreme for me personally but in case someone is desperate I thought I'd point out that AMEX has the ability to request a replacement for a "damaged" card. They will send you a duplicate card with the same card number. Theoretically you and your partner could then both use the same card number and all transactions would import into the same YNAB account.

    Like
  • This is awful and I'm adding my voice to decry the awfulness.

    Like 2
  • Responding several months later again. Hoping YNAB can push on their direct importer more, or come up with a solution to this problem sooner than later. Amex is my main credit card, so this problem is very pronounced for myself.

    Like 1
  • I, too, am in the same boat as everyone else. 2 cards associated with the same AMEX account. It's ridiculous that this problem still exists.

    Like 1
    • Lavender Trombone Amber C Turquoise Tape Sorry for the trouble! Our Direct Import partner is currently building a new integration for Amex to prevent this issue in the future, but they aren't able to tell us exactly how long it will take to complete. We're keeping our fingers crossed it will be soon, but it could take them some time to get things up and running.

      Like
    • Faness  I think a lot of the problem is that we still don't see any official acknowledgement that this is a real problem. I opened a support ticket and the answer was "sorry. we think our direct import function is really great! Lots of people use it!!" 🤮

      If YNAB is really serious about treating this as an issue, why are basic steps not being taken? For example, it is still not listed as an issue on the status page along with other Direct Import defects: https://status.youneedabudget.com/pages/incident/570bf4ac3f22d07560000b1e/582aedbf6d3eb6c820000141

      You would think that after 8 months of time we'd at least be there. . . 

      Like
    • Orange Song Thank you for clarifying here! Until recently, our Direct Import partner refused to acknowledge this as an issue. Since the import still works (but in separate accounts), they considered it a successful and active connection. We continuously pushed on this subject and, as a result, they're now working on building the new integration to handle these accounts as one. I have a joint Amex account as well, so I'm excited to see the changes once they're available!

      This issue isn't listed on the status page, because Amex is currently working how it was initially designed by our Direct Import partner to work. Due to that, the new integration is seen as an improvement rather than a fix. Even though it isn't on our status page, it is being worked on and hopefully the integration won't take too much time to build.

      Like
  • I am on vacation right now while my husband is home with the kids. Because I only have access to the mobile app I’m finding this a particular nightmare. If you’re going to be traveling and have this issue I highly recommend having some other kind of budget plan. It’s easy to forget to put a transaction in while traveling and I’m so nervous to reconcile when I get home. 

    Like 1
  • Sky Blue Flute My personal work around (although it was a bit of a hassle) was to keep 1 YNAB account for the AMEX and then to switch the link between the two AMEX side accounts when I went to reconcile things.  That way all the transactions were imported (only once) into the account, and I didn't have to fiddle with moving stuff.  The downside is (of course) that I spent a lot of time looking at the "connecting to your bank" screen while I waited for the link to be made.

    It was mildly annoying, but less so than some of the other choices I had.

    My exact steps (I was in the browser version at the time, but you can probably imagine how to port them over to mobile):

    1. get the current transactions for the AMEX account 1a (mine).

    2. click the edit box next to the AMEX to pop open the dialog

    3. Click "unlink account"

    4. Click the edit box again to re-open the dialog

    5. Click "link account", and then link to AMEX account 1b (my spouse's)

    6. download the transactions from there.

    Then, the next time I came to reconcile (I do this every day right when I get to work), I repeated the process, only starting with the currently linked account (1b) and switching to the other (1a).  And so on.

    I liked this over the other listed options because it avoided manually moving transactions (vs. using 2 YNAB-side accounts), it avoided having to repeatedly reject duplicates (vs qfx import), and it kept it all in 1 account.  It was super annoying to spend so much time staring at the bank-linking screen though.

    Like
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