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 you are so out of date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  There once was UK bank feeds, but that was withdrawn.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.

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  • 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! :)

    Like
  • 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! :)
     

    Like
  • Get a new partner as there are plenty of alternative budgeting apps now in the UK. You'll get left behind....

    Like 3
  • 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.

    Like 2
    • Blue Trombone which app did you go with? 

      Like
      • Katejo
      • katejo
      • 1 yr ago
      • 1
      • Reported - view

      Steel Blue Song  I'd like to know this too. Personally I am not bothered with bank importing at all. I prefer to do it all manually but would still like to know which it is.

      Like 1
    • Steel Blue Song MoneyWiz, but there is a free app now called Yolt.  Starling Bank offers also a way to setup account for each cat so you can run it like YNAB.

      Like
    • Blue Trombone I live in Australia and I originally used YNAB 4, and now use nYNAB .  I can't link accounts...I wouldn't even if I could.  I prefer manual entry.  I wouldn't feel like I was managing my budget if I didn't manually input transactions.  It really doesn't take much time, you just have to get into the habit.

      Like 7
      • Katejo
      • katejo
      • 1 yr ago
      • 5
      • Reported - view

      JollyBugeteer  I am just the same (UK based). Much prefer to do the transactions myself.

      Like 5
    • Blue Trombone 

       

      Faness at YNAB - I would definitely recommend YNAB devs looking into the Open Banking thing in the future - certainly would make the UK side of direct import more simple, when it arrives at most UK banks.

      As for the other recommendaitons in here - from what I understand, Yolt is closer to tracking than it is true budgeting, and Starling seems similar with it's category overview - rather than a true 'envelope' style budget. 

      Everyone's mileage may vary of course, and if Direct Import is essential, then the two above will certainly have that, but may indeed miss out on other key features and flexibility of YNAB. 

       

      Edit to add also: 

      - Both Yolt and Starling are *actual* banks, so it's more a bank app that has some reporting features, and Yolt (owned by ING Bank) seems to have an active interest in finding you conversion deals for your utilities, so it's likely part of their profit mechanisms are relying on The User switching utility services through their app - which may or may not bother you.

      Like 1
    • Steel Blue Song mypocketsmith.com

      Like
  • 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!

    Like 1
  • 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 😣

    Like 1
  • 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.

    Like
    • Spring Green Admiral Hey there! 

       

      Not sure if this is useful to you or not but... If you are ever in the market for switching banks... Both Starling and Monzo banks in the UK offer an API that can link almost seamlessly with YNAB. 

       

      Some clever soul built a tool to link the two together - I use my Monzo account with it, and it literally will sync instantly with the API.  The only downsides are that "Authorisation" transactions will sync as the amount authorised, not the final billed amount, and if you transfer money out of the account (to another on budget account), you need to go back and tell YNAB it is a transfer.

       

      It's really made me keep up with and on top of my budget. Maybe be worth a looky.  

      Like
  • 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.

    Like
  • Same issue here, I'm in Italy and none of the Italian bank has auto import. I'm still here because I still have to find an app that supports my bank, but as soon as I find it I won't renew here. It's a pity because I like your budgeting system more than others.

    Like 1
    • Lum Same here from Spain

      Like
  • 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.

    Like 4
  • 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. 

    Like
  • 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?

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

      Hot Pink Leopard We'd love to be able to provide Direct Import for international financial institutions, but because our third-party partner moved away from supporting banks outside the US and Canada, it's not in our plans for the immediate future. That said, I have shared your message with our team as we are investigating options for the future. 

      You might've already seen this, but you can continue to use File-Based Importing, just like YNAB 4 (except you can drag and drop the file right into YNAB!). 

      I'm so sorry to disappoint!

      Like 1
  • 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.

    Best, Jon

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

      Hot Pink Leopard Oh no! So you are only able to export your account activity every 30 days? I know that's customary for Statements, but I've never heard of this for account activity! I totally understand how much of a pain that would be for keeping your transactions up to date! 

      In addition to File-Based Importing, you can set up as many Scheduled Transactions that you can think of. You can plan for future transactions, including repeating ones, right in the account register. Select the frequency of the transaction by using the drop-down menu below the calendar.

      After that, we also have a new mobile app for iPhone/iPad and Android, which is quite the upgrade from the YNAB Classic app that you may have used previously. It has near full feature parity with the web app, and syncing is immediate (which you may remember was sometimes an issue with YNAB 4!)

      To hopefully take off a little of the sting, I’ve added a month to your subscription. :)

      Let me know if there is anything I can do to help you get started!

      Like 1
  • As I said previously, I am not bothered about direct import. I prefer to do it manually. However there should be a reduced subscription for those who have no access to this method.

    Like 3
    • Hi Katejo !

      It does feel unfair to pay for something when it isn’t working as expected or offered for certain institutions—I get that.

      However, we believe very deeply that YNAB is worth the price without Direct Import. You can absolutely use YNAB—and get the full benefit—without it. There are many other ways to get your transactions, including entry on your mobile device and File Based Importing.

      We hate to put too much weight or value into direct import and trying a varied pricing method would require us to do just that.

      Like 1
    • Faness I disagree and see Katejo 's point of view.  When we all live hectic lifestyles we need a budgeting tool that is simple and time saving therefore this is why I would only consider using a budgeting app that had a direct import feature and also the reason I stopped my YNAB subscription.  I have now gone back to using MoneyWiz which I consider to be an inferior budgeting app to YNAB, however having the direct import facility for all the major UK banking institutions wins hands down every time for me.

      Like
    • Hi Navy Blue Dragon !

      We understand your opinion and we respect that. However, YNAB isn't just a budgeting app, it's a method. YNAB is an education company at heart, and we happen to sell great budgeting software to help apply what we teach.

      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.

      Ultimately, we're here to help you be successful at budgeting using the YNAB Method (even if you decide not to use the software!).

      Like 1
  • 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?

    Like 3
    • Hi Colin_G ,

      I'm sorry if what I stated above came off as arrogant, that wasn't my intention. I only meant to stress that we don't value YNAB based on direct import. There are a number of users who have access to direct import and prefer manual entry and file based import for several reasons. We want YNAB to work for everyone, but we understand if the lack of direct import is a deal breaker for you. We're working on improvements in this area to make this less of a problem moving forward.

      Like 2
    • 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.

      Like 4
  • 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.

    Like 3
      • Colin_G
      • Colin_G
      • 1 yr ago
      • 3
      • Reported - view

      Katejo Yes, I am sure part of our subscription goes towards paying for the direct import service.  I cannot use it so why should I be charged for it?  Even if I could use it,  I should not be charged if I elect not to avail myself of the functionality.

      Like 3
      • Katejo
      • katejo
      • 1 yr ago
      • 2
      • Reported - view

      Colin_G  Yes I also agree that users should be able  to opt out of direct import and not pay for it but I suspected I would get nowhere with that argument. 😊

      Like 2
      • Colin_G
      • Colin_G
      • 1 yr ago
      • Reported - view

      Katejo We'll get nowhere but that does not detract from the fact that other suppliers  provide direct import as a paid add on. 

      Like
    • Colin_G You pinpointed exactly why this is an issue - Direct Import isn't a "paid add-on" with YNAB. We actually don't itemize the cost of subscriptions, so there isn't a way to say $83.99 means $30 for using the software, and $50 for our education resources and $3.99 for direct import. Doing so would mean changing our entire pricing model and even then, we don't place a high value on direct import (so my $3.99 hypothetical above could even be an exaggeration). We think of direct import as free with your subscription, just another included feature like Goals or Scheduled Transactions, so we don't want to price it as a separate entity. 

      Like 1
    • Faness Not to pile-on: this is directed NOT at you personally, but at YNAB. I realize that your job is to tout the company line. But charging for a service that is not available to some YNAB customers is arrogant. Again, not you personally, but on the part of YNAB.  

      They should absolutely change the pricing model to itemize this feature separately.

      I love the software, but in all the blog posts and podcasts, I'm really struck by how US-centric the point of view of the founder is. I get the feeling that the company culture doesn't really recognize that there are users from around the world, both in the way they didn't bother to find a third-party provider of direct imports that handles international banks effectively, and in the clunky way multiple currencies are dealt with.

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

      doctor_who Thank you so much for chiming in with that! We love YNAB and we love what we do, so sometimes it can be hard not to take it personally (at least for me 😊). I'm sure Faness will appreciate you saying that! 

       

      As for YNAB being US-centric, I can definitely pass that feedback along, that's really helpful to be mindful of.  Also, in case it wasn't common knowledge, YNAB is a completely remote company. While most of us are in the US, we have mobile developers in Scotland and Switzerland, our CSO in France (he actually just moved back to the US recently), an iOS  developer in Germany, a backend developer in Brazil, and an educator, multiple CS Reps, a designer, and a developer in different parts of Canada. It's a big world!

       

      Also, while this thread has pretty much covered why YNAB falls short when it comes to direct import and international support 😉, you also said that it's clunky in how multiple currencies are handled? Do you mean when someone who uses multiple currencies in their day to day life (and therefore needs a two different budgets to handle it)? Or just the currency handling altogether? I'd love to get some detailed feedback in how we can improve that (if we can!), especially considering what I said in the paragraph above. 😊

      Like 1
    • Jannelle That's interesting that your development team is so international. I did know that at least one of the people who gave an informational talk I joined is from Scotland.

      But my guess is that the people at the top, who are making the decisions, just don't have occasion to deal with multiple currencies very often in their lives, and the design of the software reflects that. Because yes, switching budgets is tedious! I've done two trips with YNAB, one to Brazil and Argentina, which meant flipping back and forth between three budgets, and more recently a work trip to Nigeria, where I also passed through an airport in Europe and made some purchases.  So now I have one primary budget, and four others for dealing with naira, euros, pesos and reais. Yikes!

      I do have a system that effectively works for me in capturing all my expenditures, but it's not ideal. I've tried to think through how I would change it. I went into some detail on a recent post I made -- it's probably in the Travel section -- but it reflects my evolving thought process so it's longer than needed.  I would be happy to provide a wrap-up of my ideas but don't want to cannibalize this thread. Where should I send it?

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

      doctor_who Oh wow, dealing with that many currencies at once is bound to get sticky! Especially if you travel often. We only recommend the separate budget for each currency if you regularly deal with multiple currencies though, not just for travel/trips. For example, my husband and I spent 7 years in Ireland, and while most of our income came through our US bank account,  we had bills in both US Dollars and Euro. We also received income in Euro as well, so the dual budget was most definitely needed! It's for situations like these that we recommend the separate budget scenario. 

       

      If you're just traveling for a short time though, I would just create a separate category (or even a couple) and categorize all of your expenses into one. I assume you either use a credit card or just withdraw cash and exchange it, right? While this won't give you a detailed breakdown of what you spend (unless you keep note of all your transactions and then split the withdraw transaction so you can take note of the payee in the memo field), it's a lot easier than creating a new budget/categories for your travel spending etc!  

       

      Anyway, that has probably all been covered in the Travel section, but I would love to find your post and dig in more! I can submit the feedback on this end, but you can do it via the Feature Request Form too. It all goes to the same place. 😊 

      Like
      • Katejo
      • katejo
      • 1 yr ago
      • Reported - view

      doctor_who I agree. The comments which I have already made about direct imports and subscriptions are certainly not directed at any individual team member. I know what it is like to be on a customer service point and have to explain a rule with which I don't agree but which the manager won't change. However I still stick with the point that that is unfair to charge subscribers for a service to which they have no access (or don't want to use).

      Like
      • Colin_G
      • Colin_G
      • 1 yr ago
      • Reported - view

      doctor_who  A very fair point and well made. The software is good, it is professionally put together and runs well. That is why I use it but.........it is as you say skewed to the US user and those who use direct import.

      Like
    • Faness 

      We actually don't itemize the cost of subscriptions, so there isn't a way to say $83.99 means $30 for using the software, and $50 for our education resources and $3.99 for direct import.

      No, but the cost of your direct import providers is still embedded in to the cost of the service for ALL the users. So, while you may not itemize, I am still paying for the cost of US users to enjoy the convenience of direct import, all while I am unable to enjoy that same convenience myself.

      we don't place a high value on direct import

      See, this thinking is part of the problem. You guys don't seem to understand that YOU do not determine the value of your products and its individual features. Your users do. And its clear from years of begging from your users that direct import for banks outside the U.S. is something that is highly valued. But, despite your unwillingness to respond to your users constant requests (for this as well as other features), you have managed to escape any significant consequence because your base budgeting solution is still better than most. BE CLEAR ABOUT THIS THOUGH, that can change overnight. There are plenty of other startups out there right now that could close that gap quickly (and many of those already offer worldwide bank importing). The second one of them does, its going to be foul news for YNAB ( I am watching several and would switch the second one of them gets close). So please ask your developers and leadership team to stop arrogantly & complacently & lazily ignoring what many users have been asking for years for before YNAB just finds itself becoming another Quicken with an ever-shrinking user-base as people move to solutions that work better and are properly supported.

      Like 1
    • Forest Green Stallion We understand the lack of direct import can be inconvenient. However, when we introduced direct import it was with the intention that File-Based Importing would still be the recommended method, with direct import as a safety net to catch any missed transactions or discrepancies. Manual entry and File-Based Importing allows for a more conscious control of your budget.

      That being said, we have tried to branch out into support for international direct import. We've partnered with two additional data aggregators in an attempt to expand and better support direct import. However, that hasn't been the case. While we still hope to find better alternatives, support for international financial institutions isn't in our plans for the immediate future. 

      Like
    • Faness 

      We understand the lack of direct import can be inconvenient. However, when we introduced direct import it was with the intention that File-Based Importing would still be the recommended method

      That quite frankly doesn't matter. Your "recommendations" are meaningless next to what users want. YOU may prefer we use the software this way or that, but ultimately, it is your job to react to how USERS decide they want to use it, not the other way around. This is that arrogance & complacency & laziness I was talking about. You are not Apple. You can't get away with telling us what features we want and need (hell, Apple can't even get away with that anymore).

      You can either start listening & reacting to your users (and in a timely manner), or you can continue to arrogantly stick to your guns and say "we know best" while eventually watching a significant number of your customers leave for better products that work the way they want them to work (because those teams listen to what customers are telling them). A lot of people are tired of saying "I need...", only to have the response be "Let me tell you why you're wrong" (or just hear lame excuses about why its too hard).

      That being said, we have tried to branch out into support for international direct import. We've partnered with two additional data aggregators in an attempt to expand and better support direct import. However, that hasn't been the case. While we still hope to find better alternatives, support for international financial institutions isn't in our plans for the immediate future. 

      In other words..."we can't be bothered. Besides, we've already got your money, so why put more effort in?"

      Its only a matter of time before someone supplants YNAB. Enjoy your arrogant complacent position while you can, because if you don't progress before then, then it will be "goodbye" for a lot of people here.

      Like 1
    • Forest Green Stallion We are trying, but we want to be as transparent and upfront as possible here. Feedback is very important to us and the changes we make to YNAB. We just released another You Need An Update email, and a number of those updates came about because YNABers took the time to let us know what they wanted to see in the app.

      That being said, we hope to someday be able to provide international direct import support, but won't be able to in the immediate future. It isn't that we can't be bothered (we're still trying), but we currently don't have the resources to make that possible. We hope that will change sooner rather than later, but we can't make any promises.

      Like
  • 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.
     

    Like
    • Colin_G I'm sorry you find me arrogant. I only meant to explain the current system in place and why it's unlikely to change. However, that isn't to say it will never change. You can let our development team know you'd like to see a change in our pricing structure by submitting a Feature Request

      Like
      • Til Debt Do Us Part
      • Divorcing Debt - Not Each Other
      • debt_do_us_part
      • 1 yr ago
      • 4
      • Reported - view

      Colin_G I can't stand seeing people gang up on support reps. Do you honestly think Faness made the pricing tier? Do you think calling @Faness  names is going to change anything? She gave you an explanation, you don't agree with it, fill out the form.

      No one is forcing you to use YNAB. No one is requiring you to feed their coffers. If it's that big of an issue, choose not to and move on. 

      Like 4
      • Katejo
      • katejo
      • 1 yr ago
      • 1
      • Reported - view

      Colin_G  I agree with you and can hardly call your approach 'ganging up' as Til Debt Do Us Part expresses it. You didn't get a satisfactory answer so you pursued the argument further. If we don't tell Ynab, they will assume that we are happy with the current set up.

      Like 1
      • Colin_G
      • Colin_G
      • 1 yr ago
      • Reported - view

      Katejo Thank you. I doubt that YNAB will listen. I am not sure that they have ever really listened to anything unless it is in line with their thinking. There are alternatives out there and as I do not use YNAB training, methodology or direct import it is perhaps time to find one and move on. In fact it is certainly time move on if all this just falls through the net.

      Like
  • Faness

    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. 

    Faness said:
    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. 

    Like 3
    • Tim D I understand your meaning about the release notes, however, those are UI changes. We don't handle bank integrations in house - we outsource this service to our Direct Import partners because of the amount of developer time we know it would consume. This allows our development team to focus on other projects - like the recent API release, the updates to adding accounts (not just for direct import accounts), the mobile transaction entry changes, and the new budgeting icons. We have lots more in store for the future! 

      That being said, outsourcing this feature does speak for the amount of attention it requires. Bank syncing is given such a high profile because of user outreach - much like this thread. The previous versions of YNAB didn't offer direct import. The method and software work without it - which adds to why we don't base YNAB's worth on it. Direct import was a highly requested feature and we understand the convenience it offers, so it was made available in the new YNAB. We want it to work for everyone, and we're hoping to improve the experience to someday make this possible.

      Like
      • Katejo
      • katejo
      • 1 yr ago
      • Reported - view

      Faness Outsourcing it must cost you money. Subscribers who have no access to direct import shouldn't have to bear the cost. You want to offer it to everyone but you can't. However you still think it is fair to charge those who can't use it.

      Like
      • Colin_G
      • Colin_G
      • 1 yr ago
      • 2
      • Reported - view

      Katejo They do not want to understand or should I say they refuse to understand as that would put them on the spot re future charging. They will try and defend the indefensible forever and a day. They hope to improve things to make things better - a bit like the promised desktop app, the ability to back-up our budgets and of course stealing from the future.

      Like 2
      • Katejo
      • katejo
      • 1 yr ago
      • Reported - view

      Colin_G Yes you are right of course.  Part of the reason why I am sticking with Ynab Classic at the moment. It does what I want.

      Like
  • 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! 

    Like
  • I am going to alert Jesse Mecham about these post to see if he is interested.

    Like
    • Blue Trombone Just sent him a Tweet - lets see.  🤔

      Like
  • I'm in the UK and have use ynab for years with no problems at all. I don't need direct import. I have that with quickbooks for my business and tend to forget about transactions! I prefer to do it all manually.

    Like 2
      • Colin_G
      • Colin_G
      • 1 yr ago
      • 2
      • Reported - view

      Lianne Blake That is  not the point Lianne. The point is that you are paying for it even though you do not use it and cannot even if you wanted to. You are subsidising those who do use it and that is not fair.

      Like 2
  • ynaber2613 said:
    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.

    Like 3
  • 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?????????????????????

    Like
    • Richard Clark what are you talking about Starling Bank has nothing like the same functionality as Starling bank lol 

      Like
  • Actually @blue_trombone the issue is more a problem with Starling bank.  Their transaction dates in the app are not the same as the transaction dates on the exported statement. Hence why I am moving to Mozno bank which actually does precisely this. 

    Like
  • 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 😕

    Like
    • Hi nomade0 !

      We're happy to hear you're enjoying YNAB! Unfortunately, international direct import isn't in our plans for the near future. Our Direct Import partners have been unable to stabilize international connections and we're accepting they'll need a good amount of time before they're able to make that possible.

      We know this doesn't make for the best importing experience, but we're hoping we'll be able to change that at some point in the future! :)

      Like
    • Faness Funny how so many people in the UK have stabilised this just fine. Its clear from this entire thread that it's your direct import partners at fault here. Fix it or stay a US centric service. shame if you do.

      Like
      • nomade0
      • Silver_Door.5
      • 8 mths ago
      • Reported - view

      Faness I can respect that... but it seems such an obvious growth strategy, international bank imports must be extremely expensive for you so that you don't want to do it?  I wonder what is your growth strategy if you don't want to expand to non-US countries

      Like
    • nomade0 YNAB is available internationally, but direct import is not. We're hoping to change that in the future! We currently have three Direct Import partners, and the last one was added in hopes of providing better international support. Since that hasn't happened, we're working on figuring out the next best alternative. 

      Like 1
      • nomade0
      • Silver_Door.5
      • 8 mths ago
      • Reported - view

      Faness Good to know - thanks! For what it's worth, I don't think direct import is essential for veteran users, for I think it's absolutely critical for a lot of new users!

      Like
    • nomade0 We never wanted direct import to be the sole method of entering transactions in a budget, but we've learned quite a few users prefer it - so we're trying to improve upon it! :)

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

      nomade0 I would say it's the opposite. New users would learn to use the program better if they entered their transactions manually and after you become experienced, DI becomes a nice convenience. But manual import isn't a bad alternative.

      Like 4
      • monkeyhanger
      • No animals were harmed
      • monkeyhanger.1
      • 8 mths ago
      • 4
      • Reported - view

      Superbone Couldn't agree more. Direct import is not critical for new users to learn the software and could even be counterproductive as evidenced on these forums a lot. However, direct import could be a critical factor in new users choosing YNAB over other alternatives in the first place.

      I'm in the UK and I'm certainly not pushing for direct import here. I like the fact that manual entry and reconciliation forces me to slow down, think and be intentional about things. I do understand, however, why some people feel aggrieved that they can't use what they consider to be a key component of the software.

      Like 4
      • nomade0
      • Silver_Door.5
      • 8 mths ago
      • Reported - view

      monkeyhanger Superbone My point exactly. Already have 3 people in Europe I talked to excitedly about YNAB, and when they heard they would have to enter all their transactions manually, they opened wide eyes and immediately shut it down. Too big of a step for them. I don't blame them, I would have reacted the same way if there was no direct import in the US. 

      Different example: my friend in the US that I signed up to YNAB is slowly getting into it. She was entering her expenses manually, under my recommendation, but Direct Import has allowed her to catch a few expenses that were on auto-pay. She doesn't check her bank account every day. Double-win for DI.

      Once you've made the initial time/effort investment into YNAB to setup everything correctly, then DI becomes less necessary. But at the beginning, not having it forces you to get everything right. The ones who have successfully gotten over that initial bump are likely here on the forum, and of course for them, they could have done without DI. The ones who didn't make it are not here to voice their opinion. There is a self-selection bias here.

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

      monkeyhanger nomade0  You both make excellent points. It may turn somebody away from YNAB before ever getting started. Especially since most financial software has this. For the record, I'm a long time user and I am a big user of DI. I hope they can get it working for my YNAB brothers and sisters around the world in time.

      Like 2
      • pepperpat
      • pepperpat
      • 8 mths ago
      • 6
      • Reported - view

      Faness I used Quicken for years and did mostly direct import. That's how I ended up in a money rut, not being aware of what I was spending money on. When I first started using YNAB a little over a year ago, I was trying to use it like Quicken, and I failed horribly. I finally started entering almost everything manually and was able to comprehend YNAB's budget method, and I'm 100% better off. I still like direct import to catch the few purchases I missed entering and to verify amounts, but manual entry has been an eye opener and an essential tool. 

      Like 6
      • Nick Marsh
      • nickleics
      • 8 mths ago
      • 2
      • Reported - view

      pepperpat Direct Import is a time-saving tool which is helpful in some scenarios. But currently we ALL pay for it, but we do not ALL have the ability to use it. YNAB continually say “we don’t itemise the subscription costs”, but those YNAB staff live in a country where they CAN all use those features — if they want to. They don’t know what it feels like to be a non-US customer and not have the same choices, but be asked to pay the same price. 

      Like 2
      • bevocat
      • Sometimes, It Just Sucks to Be You
      • bevocat
      • 8 mths ago
      • Reported - view

      Nick Marsh I sympathize with you, but I don't think you're going to make any headway.

      Like
      • pepperpat
      • pepperpat
      • 8 mths ago
      • Reported - view

      Nick Marsh My comment didn't suggest otherwise. 

      Like
    • pepperpat I love hearing that! We've never wanted to be a "Set it and forget it" approach to budgeting. Manual entry is a bit more work, but we prefer it and think it's an eye-opener just like you described! :)

      Nick Marsh YNAB staff is international. A number of us aren't able to use direct import, but even more of us use manual entry by choice. While we know the convenience of direct import is nice to have, we value the hands on aspect of manual entry. We still hope to improve this feature for all YNABers in the future! 

      Like 2
  • Hi All,

     

    For UK Bankfeeds, take a look here :-

    https://syncforynab.com

    Its pretty awesome!  Just tested it and yes it syncs!

    Like
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