Sorry YNAB.... you are so out of date
YNAB does not seem interested in reaching out to us in the UK. There once was UK bank feeds, but that was withdrawn.
YNAB say that you can still enjoy the benefits using CSV import, but hey, that is going backwards. Every month having to export from all of my account into YNAB and then have the hassle of balancing everything up does not seem to me the way to go.
Sorry YNAB, you lost me here, and your standard response of that we may look to develop international bank feeds does not fill me with confidence.
Seems to me that we are shut out from the benefits that our US citizens enjoy on this app.
Sorry I'm out.
Wishing you all the best.
We're closing out Bank Importing threads in the forum to make sure these issues are better resolved.
Replies in this thread have been turned off, but you can still suggest new banks (even international banks) in the app, if you haven’t already!
If you’re having trouble connecting to a bank in the US or Canada, please fill out this form and our Direct Import team will help you get things back up and running! :)
Hi Blue Trombone !
We don't want lack of direct import to be a reason to leave YNAB - there are actually quite a few users who prefer File Based Importing and manually entering transactions so they don't have to wait for transactions clearing their accounts.
That being said, I understand it's an important feature to you and want to share that we do offer direct import for some UK based financial institutions. The thing is, our Direct Import partner doesn't technically support international banks so it can come with a few speed bumps - which we're working on ironing out.
Have you checked to see if your bank is listed? If it is, give it a try. Since they can be quite fickle connections, I can't guarantee what its stability will be but we'd be happy to troubleshoot it with you! :)
None of my Banks Direct Import. In the UK we now have the Open Banking Programme, Financial Institutions are now being actively encouraged to aggregate Banking Transaction... even so much that you can now API to them directly and no longer have to screen scrape.
Thats how far behind you have got. Anyway we are done. I've signed up with a new app, but you may start to loose your worldwide users, unless you want to be exclusive to the US, which is the impression I am getting.
We're working on it! :)
We understand that users want and expect a positive experience with Direct Import and we're working on improvements - for both users inside and outside of the US. We understand if YNAB isn't what you're looking for at the moment, and we wish you well on your budgeting journey - no matter where it takes you!
Seriously, you're STILL working on it?
I've been following you for years, and you've still not made progress on it. This is the only thing that keeps me from using you. I use moneydashboard.com which has this feature (and has done for years), but it's budgeting function is falling short for me.
Keep on 'working on it' - I'll check back in next year 😣
I joined YNAB to try and ensure my budgeting practices were correct.
As a UK based user, I've tried to add my bank (HSBC UK Ltd), however when I hit a brick wall, I realised that this is an ongoing issue, covering a vast amount of time.
Unfortunately, there seems to be no other product out there with a bold mission statement as YNAB has.
I have tried CSV files, but the system states there are no transactions in the CSV file (which there are). While I don't mind doing CSV files as a temporary file, I'd much prefer the live feed option.
So you've lost me, until this is sorted.
I had been an avid supporter of YNAB here in the UK, originally preferring it to moneywiz. The app connected to most of my bank and credit card accounts and meant I didn't spend much time importing data.
However, now online connection support for all of my bank accounts has been withdrawn and I now find the app useless as the data quickly falls behind. So much so that it is does not warrant continuing with YNAB and in fact I have moved away from it some time ago when I could not bare the frustration any longer.
I also get the impression that you do not want to compete in the UK and have decided not to support our financial institutions. I'm not sure if you realise the impression you are giving your customers outside of the US.
Another customer walking away.
Why did you choose a direct import partner that only prioritises working with US institutions?
With open banking in the UK I agree with the others that YNAB is quickly falling behind on the direct import front.
I won't move away any time soon because the budgeting method of YNAB is so good - but it does grate with me that direct import isn't better for your international customers.
I live in the US and only use manual entry, by choice. But it seems insane to me that the software is advertised for its ability to direct import, and it only works in one country. I've mentioned this before: I SO badly want to recommend this product to family that reside in other countries, but can not in good conscience do so unless they offer tiered pricing.
I also used Money Wiz for many years. It is great for tracking accounts -- I never took advantage of its budgeting capabilities. At this point I have switched over to YNAB. But I really miss Money Wiz's international features.
I have been a YNAB user for a long time, and think this is brilliant software. I stopped using for a while when you switched to cloud based. I recently signed up again to take control of the finances, but was so disappointed to find that HSBC UK is not supported yet for Direct feed.
JESSE and Co - PLEASE PLEASE PLEASE - CAN YOU GET DIRECT IMPORT FEEDS TO WORK WITH HSBC UK?
Hi Janelle - thanks for responding.
Unfortunately - HSBC UK only do a data export that is 30 days old. When i used YNAB 4 (which i do still have on my laptop) you were able to choose a range of dates. Not any more.
Not really helpful for keeping up to date. They do offer however Direct connection. Which YNAB don't for us in the UK.
YNAB is still my budget software of choice. But it is just to hard to get the up to data in to use it right now.
There has got to be a way that YNAB can hep us international users out.... especially when we have just paid for a year up front.
There is so much plain arrogance from YNAB that I really do think it is time to move on. I am in the UK and if we (UK users) cannot partake of all the functionality then we should get a reduced subscription rate. For YNAB to say "we are worth it" is arrogant in the extreme and blatantly unreasonable. How can a lesser product be worth as much a complete one? That is hardly equitable. The above post from YNAB Support says it all, clearly I am not the target market so why then should it be my target software?
I agree with Colin_G There is a big difference between choosing not to use direct import and simply not having the opportunity to do so. We shouldn't be charged for something which we are prevented from using. The lack of it isn't a deal breaker for me but I resent being charged for something which isn't available.
Arrogance again. The fact you do not pass an itemised charge on does not mean the cost of the service does not exist. It just means you have an unfair charging mechanism. Goals etc are entirely different as they are a part of the main software and are available to all irrespective of whether they elect to use them or not. As has been stated numerous times before Direct Import is not available to the UK.
The suggestion that direct import is a minor consideration for YNAB and that it is an extra convenience rather than a core part of the method you teach doesn't tally with the focus it receives.
There is a disproportionate amount of development time and effort that goes into direct import (you only have to read the release notes to see that), which takes development time away from other aspects of the software.
For those of us who can't use direct import or choose not to ( to increase awareness as YNAB recommend!). We are paying an ongoing subscription without seeing much in the way of regular improvements to the software (which was the justification given when YNAB moved to the new model) because the development effort is spent on this supposedly minor feature.
Direct import is a feature that we want in order to offer more convenience, but we advocate for manual entry and and File Based Import because being hands on with your transactions more closely aligns with our method.
If the primary focus of YNAB the company is on education, teaching the method, and manual entry (and file import) aligns better with the method, then why is bank syncing given such a high profile? It is the first thing on the features page of the website.
What you say and what you do don't match.
Please can you add UK direct imports! its been a long time and I thought yesterday when I saw the cooperative bank had been added that I was in luck! turns out it didn't recognise my details and when i clicked on it it took me to a cooperative bank i didn't recognise.. a US one not the UK one.. with a slightly different address in the address bar. I telephoned my bank a year or so ago about this and they couldn't even help me work out if they had csv files to manually import and hadn't heard of YNAB. There has got to be a way to get YNAB working with all banks.. please please help us non US customers.. you don't deserve to be left behind, being such a great company. Please look at what happened to the music industry and the black cab companys who didn't stay on top of technology and what customers needed.. they got left behind by Uber, Napster, spotify, who understood the convenience people needed.. you guys seem to get this in all other areas.. if you are locked into a contract with the company that only provides US direct imports, there needs to be some negotiation within that contract as this page illustrates people are leaving and not signing up to YNAB because of this and this is a great shame as its brilliant in every other area!
Colin_G I totally agree with you and I am in the US and do not use direct import. I think direct import should be an add on option for those who want to use it (including the US) so you would pay less if you do not want that option.
If YNAB made direct import an option then it would be more fair pricing for all users. We that have been using YNAB since YNAB 4 or earlier were taught that manual entry is the best way since it provides more focus and and I totally agree with that approach. It seems like now there is a lot of focus on direct import, many of the release notes are about fixing direct import issues.
I can definitely understand that those who do not have direct import capabilities in other countries feel like they are subsidizing users in the US. It would make more sense to just make direct import an option. If they do that I suspect that the focus will revert back to a more hands on approach as advertised before.
No receipt scanning and no integration with UK Banks? What in the world are you playing at? Starling bank offers similar functionality in their app-based banking which allows users to put money aside and set goals. Transactions are updated in real-time right on your device. They offer a switch facility to set up your ins & outs and there is NO CHARGE. All UK users can get the functionality (and more) of YNAB with Starling Bank. If I wasn't searching for solutions to the shortfalls of YNAB then I would never have come across Starling Bank. Also, how long before Starling or similar are available in the USA? Staying ahead of the curve is obviously not YNAB's strong point and discrimination toward UK users with no price adjustment is just wrong. YNAB doesn't even offer integration with STARLING if they did, they would keep me as a customer, as between both companies all features I am looking for (and many others especially in the UK) would be covered. STARLING offer reciept recording to. YNAB really?????????????????????
Any update on this?
I've been evangelizing YNAB around me :) and just talked to my mom who is in France about it. Her interest is piqued and I was going to invite her, but I did some research first and notice that YNAB doesn't do direct import with banks outside the US. Ouch, it's a complete deal breaker in my opinion.
I enter my expenses manually (in alignment with YNAB's method), and I use direct import to match and confirm the activity and the balance. Perfect synergy, I don't see why I should choose one or the other.
Now I don't see myself asking my mom to start logging all of her expenses manually and keep all receipts. I could see her maybe getting there down the road, but starting there, not a chance. Unfortunately, that will prevent me from sharing YNAB with other family members and friends in France 😕