capital one requires authentication every time I log into YNAB

Hi there! I'm not sure why this occurring, but every day when I log into YNAB, my capital one credit card accounts require a new authentication (ie, sending a pin to my phone number or email.) Is there any way to prevent this from happening?   It's getting slightly annoying. :)

Thanks in advance!

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  • This is my #1 complaint about YNAB.

    Other services, such as Personal Capital, are able to import data from my Capital One account seamlessly.

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  • Whenever you log into your Capital One account, do you go through the same process ( enter a password and then have a passcode sent to you for entry? At least with my BOA account, this was the two factor authentication that I had set up through BOA. Once I removed it through the BOA website, the requests stopped through YNAB too.

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      • Adam A
      • Software Engineer
      • adam_a
      • 2 mths ago
      • Reported - view

      Nina Shelly No, it doesn't require the two-factor authentication to login to their website. And YNAB works fine with my Capital One checking and savings accounts, but not my Credit Card (even though it's the same website and login)

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  • Same problem here. Although it is not EVERY time. Just MOST of the time. 

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  • I’m sorry you’re having to re-authenticate your accounts so frequently—I know it’s frustrating. We’ve dug into this issue on many occasions with our providers and we learned that, at this time, certain security protocols require repeated re-authorizations. In other words, they’re expected.

    This is great for security, of course, but not so great for the import experience. We completely understand that which is why we’ve had our Direct Import partner looking into the issue for months — pushing and prodding them to make it go away. Ultimately, they’ve determined they just don’t have any control over these security requirements and how often institutions require users to re-login.

    If you’re finding that you can’t connect and/or import even after re-entering your credentials, that is not expected. Please let me know if that’s the case!

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      • Lenny L
      • Cyan_Colt.2
      • 2 mths ago
      • 1
      • Reported - view

      Faness  I understand the security issues, but I don't know what YNAB is different than other websites. I would think that security protocols would be the same. I'm a long time user of Mint, and I find I only have to re-authenticate there about once a month. With YNAB and the same account, it is 3-4 times a week. 

      Reply Like 1
      • Adam A
      • Software Engineer
      • adam_a
      • 2 mths ago
      • Reported - view

      Lenny L Same here - I never have to re-authenticate this particular account with Personal Capital and I have to do it every single day with YNAB.

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    • Adam A Lenny L ,

      I hope you don’t mind if I jump in for Faness here! Yeah, that's a great question! Whether or not you'll need to re-authenticate depends on the institution and type of connection they have with each particular institution.

      Direct connections are generally more stable (which ,I'm assuming, is what Mint or Personal Capital have), which means they should hardly ever require a reauthorization, even when a one-time password is involved. However, our Direct Import partner doesn't currently have a direct connection for this particular financial institution.

      They (and I!) definitely recognize this is something they need to work on improving. It does require quite a lot of work between our data provider and the institution to be able to create a more seamless integration (talks at the business level), so while there isn't an immediate resolution, it's definitely the goal! 

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      • BudgetMaster
      • Debt free and so grateful!
      • Budget_master
      • yesterday
      • Reported - view

      Jannelle What would an estimated completion time be? Are you thinking months or a year+? It really is such a drag, especially when I update my budget every day. When I used Chase credit cards with YNAB, everything imported seamlessly and I knew when I signed on to YNAB if I had any transactions to resolve. Now I have to go in, make sure Capital One has connected (never), go through the steps to authenticate, then have the transactions import, and then I'm at the point of resolving them. In truth it only takes a couple of minutes, but it's SUCH a hassle especially considering that it doesn't happen with other providers.

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    • BudgetMaster You're not alone! Sadly, this does happen with other institutions, it's just that Capital One is one of the biggest on that list.

      We can't say for certain when this could be addressed. Our Direct Import partner considers the connection in good status as long as you're able to connect. They understand it's not a convenient requirement, and they want to improve it, but their main priority is that the connection works.

      For that reason, I wouldn't expect this to change in the immediate future. I could be wrong, but I'd rather set expectations for the long haul here. 

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  • This is the same situation for Arizona Federal Credit Union accounts, very frustrating. At least iOS 12 automatically copies the SMS'd code now, but I'd love to see this go away. I feel like it use to hang on to authentication a lot longer. But now it's almost every day.

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  • Just an observation: When I log in to my Capital One account, I see other services (Mint and Expensify) as "connected". YNAB is clearly not connecting in the same way as these other services. It seems like it is time to switch to the platform these other services use.

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    • Hi Lenny L !

      You're right - we are using a different connection. Mint just so happens to have a monopoly on Intuit, who owns them, which allows them to have direct connections to banks like Capital One. Our Direct Import partner is working on it, but it'll take some time to build those direct connections.

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