Open Banking API

The UK Banking establishment began opening up their Open Banking API on the 13th January this year, Allowing 3rd party's access to bank account information.

 

What is the time frame for YNAB to take advantage of this facility?

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  • For the ones who have some more computer knowledge, I created a script that supports the FinTS protocol (most german banks), BBVA (spanish bank) and N26: https://github.com/schurig/ynab-bank-importer

    Mission: A script that can run every 15 minutes on a small and cheap mini-computer at your home (eg. raspberry pi) with an easy configuration and support for most European banks.

    It's already working as expected on my raspberry pi at home. It runs every 15 minutes since February this year and imports all my new transactions from my bank accounts. Of course I maintain the script in my spare time. Check out the link above to get more information. Unfortunately, you will need some knowledge about unix systems and maybe docker to set it up. I tried to make it as simple as possible.

    Reply Like 4
  • It would be great to see this function  internationally especially here in Australia. If the provider can't deliver the service your subscribers would like, why not find a provider thats able to deliver?

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  • Faness first of all, thank you for answering in this treat. My current observations with questions/suggestions:

    1. YNAB currently uses 3 direct import partner, which non of currently use Open Banking API
      1. I thought it was the purpose of Open Banking that you do not need to have Direct Import partner, but that YNAB (or any other application) can utilize standardized APIs. (I could be wrong here).
      2. Why not to search for nonUS import partner; and not only from UK, but many other EU countries.
      3. You have great community, and I bet that some people in here would be happy to help you if you would reach out to them. (For example I could help with Czechia).
      4. I dont know how much you pay the other direct import partners, but it might be also feasible to do it yourself (hire someone from EU to create the functionality. You pay your employee and not a 3rd party). Plus the labor cost could be 2x; 3x cheaper. (don't think of EU just as UK).
    2. There might not be a cookie-cutter solution. It seems to me YNAB is not proactive enough and just waits for solution to "appear". I don't know how much effort has been put into investigating the whole EU Open Banking and how to utilize it. For us (non-US) customers, it is just sad to see lots of change logs that are meaningless to us and wonder why do our subscription money go. I would really hope that the amount of money that goes to support US direct import and how much to support non-US direct import is at least proportional to your split between US and non-US customers.

    My suggestion would be to make a proper project out of it. Allocate justified resources to this support (proportional to your non-US user-base). Tap into your community, there are people that can help. With them you can also develop the solution for EU and have huge competitive advantage. Be open about what you do and are your next steps. There are no obstacles that cannot be solved, they are just challenges.

    Reply Like 1
    • Hi Stepan !

      Thank you for taking the time to weigh-in here! :)

      1. A while back, our initial Direct Import partner moved away from supporting banks outside of the US and Canada. We then found our second Direct Import partner who was attempting connections to UK banks! However, after working with them for some time, the number of issues they were having with international institutions became so great that they stopped supporting most of them (there are still a small number of UK banks they support). Our third Direct Import partner does build direct connections to financial institutions - however, we can't guarantee when they'll turn their focus on international banks specifically.

      We chose to outsource direct import because we don't have the resources or man power to build and maintain bank connections. For a number of reasons, we wanted to leave data aggregation in the hands of those more experienced, while we focused on budgeting (it's what we handle best!). ;)

      2. Have you taken a look at the API section of the forum? A number of users have done exactly what you've suggested! They've built custom integrations for their banks and some have shared their work with others! 

      We know there's room for improvement when it comes to Direct Import and we're working on it! We have a number of projects in store to try to make this experience better!

      Reply Like
    • Faness Outsourcing bank connections is absolutely the correct thing to do. The fact that you chose someone that hasn't been able to do it just means you picked the wrong partner. There are plenty of established providers now that do the legwork for you and work with thousands of banks across the world.

      Most obvious one, Saltedge. It's all they do.

      https://www.saltedge.com/solutions_for_finapps

      As a UK user then it's infuriating to see apps popping up everywhere that can integrate with all of my savings and current accounts. Yet the most established of the lot, YNAB, is lagging behind.

      I'm with the other annoyed users here. If you're ignoring users outside the US then I'll eventually pick a service that caters for some of the other 7 billion people

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    • Slate Blue Nomad Thank you for sharing your thoughts here! When you have a moment, would you mind submitting a Feature Request to let our product team know you recommend Saltedge? We are looking into other options, but we're exploring all alternatives since adding our last two import partners didn't land us where we want to be.

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  • I really wanted to stay with YNAB as I liked the way it works. but open banking is out there since January and manual importing is a pain in the arse, does not having a plan with dates when you will leverage it is a failure. There are sites that already supports hundreds of banks worldwide even at lower costs, and I'm pretty sure the number of these sites will increase over time.

    My subscription will end in December if YNAB does not come out with a solution to support European banks this year, I will look for another budgeting app.

    Reply Like 3
      • Matt C
      • mcothier
      • 1 yr ago
      • 6
      • Reported - view

      Powder Blue Door I feel the same. I really resent paying money to a company that just doesn’t seem to care about anywhere except the US and Canada. It’s a shame because it is great software, but why should I pay the same as the people in the US and Canada who are getting a vastly superior product with the bank connectivity? I would mind a little less if it felt like YNAB were frantically trying to resolve the issue, but I feel like they aren’t. Very disappointing.

      Reply Like 6
    • Matt C Couldn't have said that better. 👍

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    • Matt C feel the same. Will not renew next year if this goes on

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      • Michael
      • Developer
      • ganey
      • 1 yr ago
      • Reported - view

      Navy Blue Mainframe (921c4670f192) 

      I'm reaching the same point for renewal, tempted to go back to YNAB4, at least I've already paid for it and it basically does everything the web version can for the non-US customers.

      Reply Like
  • The trouble for UK users is for them to be able to use YNAB safely, the company must be registered as an AIS or AIP:

    https://www.thisismoney.co.uk/money/saving/article-5174477/You-share-online-banking-passwords-safely.html

     

    It's not fair, YNAB is a great concept but who really wants to risk losing everything because it makes some things easier?

    Reply Like 1
  • Am super disappointed with the apparent movement away from non US banks. I've been usingg YNAB for a number of years and my yearky subscription renewed a couple of months ago, if i had been keeping up on this topic i would have cancelled. As it stands you have my money now. But i activly trying other options and i have no doubt that if this is the same position in 9 months then i will be cancelling my subcription and moving elsewhere.

    Truly disappointed with this as i think you have a great product.

     

    Paul

    Reply Like 4
  • Harry Knoener  Thanks for mentioning the alternatives. I have been a YNAB user for many years (since 2011 I think), but my patience has also worn thin; especially considering we're paying the same price. It's very useful with a good list of alternatives, so I'll be looking into those.

     

    YNAB: You have a wonderful product in many ways, so if I do switch I will be looking at YNABs progress once in a while. But I don't think I will renew come February due to this issue not being prioritized, while price is not being differentiated.

    Reply Like 2
    • Gandalf Saxe Couldn't agree more.

      We might be a audience that is too small for them to invest precious DEV resources. 

      But solving the pricing issue is not rocket science. Even a discount code for non US citizens would do the trick if they can't manage to offer pricing based on location.

      But to charge the same for a product without it's best feature and not planning to improve any time soon is a very disappointing approach.
      My renewal is early 2019 and I'm also heavily researching alternatives as, while I love the product, I don't want to support a company that cares so little about its (non US) customers.

      Reply Like 1
      • Michael
      • Developer
      • ganey
      • 11 mths ago
      • 5
      • Reported - view

      Blue Motherboard 

      What's amusing is, the guy that maintains the fintech-to-ynab on GitHub has been working on integrations with truelayer in his spare time and it works really well. Support for quite a lot of UK banks on it too!

      So if a single developer can manage it in his spare time, YNAB obviously don't care about UK users or better integrations for them. 

      Reply Like 5
    • Michael They should just hire the guy who did that (fintech-to-ynab/syncforynab)! Problem solved for all.

      Reply Like 1
      • Matt C
      • mcothier
      • 10 mths ago
      • Reported - view

      Michael This was exactly what I was thinking!

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  • Have a look at EMMA.  Currently only app based but web version in Q1.  Also only default categories at present but user defined ones coming along in December.  Direct Import from most UK banks and financial institutions.  Again if YNAB reading this I do not want to move.  No problem with paying premium price but feel not getting the love :-(

    Reply Like 1
  • I have been following this thread for long. Wanted to bump it again. I submitted a feature request with below description.

     

    To be able to direct import from EU banks. I myself live in Denmark and use Danske Bank, the biggest bank in the country. They have lots of modern tools coming out and with PSD2 I am sure that it would be possible to integrate with YNAB. At the moment I am dependent on a third party provider to convert a csv-file to QFX to import in YNAB. Not really that smooth for a subscription service as your own. Your EU users gets much less money for their buck than your US users. Please shift just a bit of your attention to this problem :-)

    Reply Like 2
      • Michael
      • Developer
      • ganey
      • 8 mths ago
      • Reported - view

      Alexander G I wouldn't have wasted your time. Feature requests seem to just be ignored if you are outside the US.

      I've been a YNAB customer since YNAB 4 and am fed up with the lack of Europe support. YNAB doesn't care about customers outside the US. As much as I support the work done for https://syncforynab.com/ it should have been developed by YNAB.

      What's the point in me subscribing to YNAB if i then have to pay for a separate service to make full use of YNAB features? 

      Just to have decent UK banking support makes my total annual subscription close to $100. With so many other providers coming to market now for FREE and offering much better UK/EU support, I won't be renewing YNAB this year.

      Reply Like
    • Alexander G Thank you for taking the time to submit that feature request! Direct import for international institutions has proven to be evasive for our current Direct Import partners. We had hoped our most recent Direct Import partner would be able to handle international connections, but things haven't exactly gone as planned. Our development team is always looking to make improvements and we're considering better import options for the future!

      We know this thread has some history to it and we appreciate your patience! You can continue to submit those feature requests when they come to mind and we'll make sure to announce any progress we make! :)

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    • Michael I truly apologize for the frustration. I know this has been a long awaited feature but it just isn't within our grasp yet. We still fully advocate for File Based Importing as the first line of importing, but we know it isn't as convenient as direct import. While direct import for international institutions isn't in our plans for the immediate future, we are still striving towards improvements. We don't want to see you go, but we understand your concerns and we hope to someday provide international support. 

      Reply Like
  • Hi there I've been following this feature request and one thing I still don't quite understand is - why does YNAB have to wait for the import partner rather than experimenting  with other options as well? TrueLayer as suggested a while ago offers a free sandbox account for testing and provides balance and transaction data for many EU banks in a standardised format. Is it not feasible to incorporate this into the YNAB system? What format do the import partners provide their data in that it is so difficult to recreate from a comprehensive API such as this? It seems to me that more time and effort has been put in to frustrated communication with middlemen who do not seem like they are going to provide the service requested than it would take for a couple of developers to effectively integrate a service like TrueLayer which is targeted specifically at EU banks. It certainly seems like there is a lot of demand for this feature and market-share which is at risk of being lost to more agile competitors.

    Reply Like 2
    • Hi Orchid Viper !

      We completely understand your frustration. We originally had one Direct Import partner and branched out in hopes of better supporting stable connections with financial institutions (international institutions included). We outsource direct import because we want your information to be as safe as possible, so we trust companies who specialize and have experience in bank aggregation and import. At the moment, this isn't something we want to bring in-house but the need for improvement is not lost on us!

      Reply Like
      • Freitas
      • Violet_Captain
      • 8 mths ago
      • 3
      • Reported - view

      Faness here you go.. just use them: https://truelayer.com/

      Reply Like 3
    • Faness  Thanks for your reply. I can see some of the reasons YNAB might do it this way and I hope they fully explore whatever options are available to them. I don't think it's a moral thing though I don't have any particularly strong positive or negative feelings towards the company. At the end of the day I'll just use whichever platform I prefer. Also none of this frustration is directed at you personally, I hope you have a good day.

      Reply Like 1
  • Ugh. +1 for everything that's been said by customers. I'm out.

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  • I've started using https://syncforynab.com who was created by a developer who was tired of YNAB's neglect of non-US customers. It's working really well with HSBC and Monzo.

    I can't believe that YNAB has even tried to solve this, if a one man band can sort out so nicely.

    It's frankly outrageous from YNAB, and the moment a good competitor shows up, they'll lose all their non-US customers in one go... that moment is near with so many solutions coming for Open Banking and all the Fintech.

    Reply Like 1
      • Michael
      • Developer
      • ganey
      • 8 mths ago
      • Reported - view

      Freitas sync for ynab is great, I used the GitHub version for quite some time and trialed syncforynab to help find any issues. it frustrates me that it fills a gap that shouldn't exist. And now that it does YNAB have no interest in having EU integration because someone else has done it. No costs, maintenance or bug fixing for YNAB.

       

      Have you tried Yolt or Emma? The behaviour is different to YNAB but still has the same end goal. Various UK banks are now adding budgeting tools inthier own apps/websites, so personally I feel YNAB may loose what grip it still has on its EU customers this year.

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    • Freitas totally agree. I do not understand YNAB devs nor the mangement. The moment the first good EU competitor comes around they will loose all their customers

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  • Totally agree with the level of frustration of all the non-USA users in this thread. Unless YNAB sorts something out by the time my subscription expires I'll also be moving elsewhere. If independent developers can get 1 of the 2 banks that I use working with syncing to YNAB (for an extra monthly fee) then I don't see why YNAB can't add this. But they have said it themselves, they really don't have any plans for non-USA based customers banks. Good to know the reality of the situation. But its' really frustrating I need to pay the same amount as USA based customers and then either hack something together or pay an extra subscription fee to have my non-USA bank syncing. 

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  • Agree with everything here. Moneyhub are using Yodlee which seems to work pretty well. 

    There's plenty of these companies out there I can only assume YNAB doesnt want to open its purse strings and pay for a new partner contract  to sort this out. 

    They've taken they're own frugality lessons too far and clearly aren't interested outside America. 

    Reply Like
  • The big pain with Open Banking is that it is actually NOT a standard API.

    PSD2 just says that you, as a bank, have to provide APIs to access certain types of data.That means that you have to implement connectivity over and over again for EVERY bank, because every API is different.

     

    missed opportunity really.

    Reply Like
  • I have dropped YNAB because of previous arguments as long as no German banks are supported. I can't recommend it anymore. However, I can't understand why nothing has been implemented for a year now.  

    Reply Like
    • Alice Blue Sander what product did you choose instead?

      Reply Like
    • Hi Alice Blue Sander !

      We're sorry to see you go, but we understand if YNAB isn't what you're looking for at the moment. Currently, direct import for international institutions isn't in our near future. We're still investigating the possibility and alternatives, but it will be a while before direct import changes internationally.

      If there's anything we can do to help, please don't hesitate to let us know! We wish you well on your budgeting journey, no matter where it may take you! :)

      Reply Like
  • I already put a reminder in my calendar to cancel if nothing is implemented before my next renewal.
    So sad they have the typical cliché "the world = the USA" approach

    Especially with PSD2 and many services leveraging it already it's incredible they just watch as this opportunity passes.

    Reply Like
    • Hi Blue Motherboard !

      I want to assure you, that isn't our belief - a large number of YNAB employees live and work internationally. However, support for financial institutions outside of the US and Canada has been hard for us to acquire. When we first launched the online version of YNAB, we did so with only one import partner. Since then, we've added two additional partners in hopes of expanding the number of institutions offered and providing more stable connections. Our international offerings haven't improved much, so we're investigating other alternatives instead of trying to add yet another import partner. 

      We understand the desire to have direct import and we wish it was a more easily attained option. Support for international financial institutions isn't in our near future, but we'll continue to look for ways to improve!

      Reply Like
    • Faness 

      I really believe that you might feel that way but it is a sad fact that your management does not.

      The weird thing is small providers like the Tink app manages to support a tiny market like Austria for FREE.

      A paid subscription from YNAB does not after over a year of users asking for it and PSD2 making things considerably easier.

      Also an US user gets the direct import feature and pays the exact same amount of money as the rest of us.

      So I really think there is very little evidence that YNAB puts in any effort to cater to the rest of the world.

      I will not renew my subscription and am quite mad that it took me years to realize that YNAB just does not care about non US money.

      Lovely product - terrible business strategy.

      Reply Like 1
    • Blue Motherboard I'm sorry YNAB hasn't met your expectations. While we're sad to see you go, we completely understand your decision not to renew. I hope the rest of your subscription is still helpful and I wish you well on your budgeting journey, no matter where it takes you!

      Reply Like
  • Faness said:
    However, support for financial institutions outside of the US and Canada has been hard for us to acquire

     Sorry, but this is such BS, many users have been recommending other providers for years. That and many developers could probably get a rough integration working with another 3rd party in a single evening.

    Faness said:
    Our international offerings haven't improved much, so we're investigating other alternatives instead of trying to add yet another import partner

     If anything, they've got worse for non-US customers over the years.

    Just accept the fact it's easier to go with import partners. Between SaltEdge & TrueLayer you would probably cover nearly all of the banks you don't currently integrate with. 

    I think you should provide discount for non-US customers due to lack of direct-import. 

    Reply Like 4
    • Hi Michael !

      When we first launched the online version of YNAB, we started with a single direct import partner. We added our two additional import partners in hopes of expanding to international financial institutions (along with more stability), but ran into trouble with the connections - support for them has since dwindled. Adding two additional import partners didn't deliver the results we had hoped for, so we're fully investigating our options before moving forward.

      Reply Like
  • Agreed - those replies are extremely unsatisfactory as they don't even change across months and years.

    I discussed the discount for Non-US customers with support and got the reply that their board does not see direct import as core functionality and many "hardcore" users prefer NOT to use it as it gives them more control.

    This is also one of the saddest excuses I've ever heard. Combined with the fact that if the board decides what is "best for their customers" the company usually is already set to fail big time.

    Reply Like 2
    • Hi Blue Motherboard !

      Our stance on direct import has remained the same since we added our third import partner. We're looking for ways to improve the direct import experience, but we don't know exactly how those improvements will be delivered. 

      You're right - we don't see direct import as a necessary feature and we believe you can get the full benefit of YNAB without it. We also don't want to charge individually for features - such as direct import, goals, reports, etc. YNAB is a package deal and while that package may be different for some users, the end results are the same.

      If you have any questions, or if there's anything we can help with, please don't hesitate to let us know.

      Reply Like
      • Gray Tape
      • Gray_Tape
      • 1 mth ago
      • 1
      • Reported - view

      Faness 

       

      I do think YNAB have lost the plot on this , but thanks for finally admitting you don't see direct import as a core feature. 

      YNAB is a budgeting tool. I have a large number of different accounts for different budgeting and financial benefit reasons .   

      Why would I want to spend time daily importing all these accounts manually to get my current financial position?

      In apps like Moneyhub, I have alerts set up that tell me when an account balance is too low so I can avoid going overdrawn .. I have alerts that tell me when I'm no longer earning a great interest rate because a balance is too high. These are only possible due to up to date automatic imports ...  They also seem like great 'budgeting' features to me that YNAB won't ever be able to deliver without current data. 

      How annoying that YNAB believe all the users on this forum are wrong to be asking for direct imports and that YNAB believe this timely data wouldn't be useful to users and help them budget... 

      Why would I chose YNAB when there are other, normally cheaper apps, that do all this for me?   

      Reply Like 1
    • Hi Gray Tape !

      We don't think you're wrong to ask, and we want to provide a better direct import experience, it's just not something we can do currently. We understand the convenience that direct import provides, but you can still use YNAB without it.

      Also, direct import is designed to only import cleared transactions - which means that there will always be a delay when importing transactions. Manual entry takes a few extra steps, but it's the best way to make sure your accounts are up to date at any given moment.

      While direct import isn't available, and tends to run into a number of hiccups when it is, there are a number of features YNAB offers that we do think is worth the subscription.

      First, there are the actual web and mobile apps, designed around the YNAB Method, that allow you to budget money from your computer, phone, and other devices - both at home and on-the-go. Our development team is constantly building new features to add to the apps. 

      We offer live workshops on a wide range of budgeting topics. We also work to create a community of support and ideas - hence our social media presence, blog, and this forum. We want you to be able to stay engaged in the process of budgeting and personal finance in whatever format suits your life.

      If you need help, the YNAB support team is always here to answer all your questions and help you work towards your budgeting goals. 

      If you're loving YNAB, you can make use of our referral program to recommend YNAB to your friends and family, earning you both a free month on your subscription. And, as always, if you decide that YNAB is simply not the right tool for your budgeting needs, we'll issue a refund for the unused portion of your subscription. 

      While not having direct import can be an annoyance, we provide features to help overcome that and still allow you to master your budget. Our goal is to allow you to gain control of your money - and make it enjoyable to do so!

      Reply Like
      • Change
      • Navy_Blue_Violin.4
      • 1 mth ago
      • 1
      • Reported - view

      Faness What it comes down to is that you force some of us to enter hundreds of transactions manually or download statements from several banks manually (each with a different interface/method and sign in) and import them. Some banks I use do not even export to a format compatible with YNAB which means I have to use 3rd party software to turn those into a format YNAB likes. Quite a laborious job every few weeks, and it doesn't allow me to keep track of my budget on a day-to-day (or even week-to-week) basis. While allowing people to keep track of their budget is exactly the goal you have.

      Maybe I'm an edge case for you, but direct import would save me more than an hour per month and allow me to track my budget on a more regular basis. I don't understand why that would not fit your goals as YNAB..

      Reply Like 1
    • Hi Change ! I'm sorry you're feeling that way. The YNAB Method leans heavily on active engagement, and you may find it easier to keep up by checking in more often—instead of every few weeks.

      We did originally intend the Direct Import feature to be more of a backup, for transactions you've missed entering on the go. Being more hands-on with your budget by doing that, can take prioritizing, awareness, and decision making to the next level. From our experience, this is one of the biggest contributing factors to people’s success with YNAB.

      We're still looking for alternatives, and hope this changes in the future, but for now, international financial institutions aren't on our immediate path.

      Reply Like
      • Change
      • Navy_Blue_Violin.4
      • 1 mth ago
      • Reported - view

      Nicole yes, I know that's what your method leans on and I appreciate that. What I'm trying to tell you is that direct import would allow me to check in more often. Without direct import it takes too much time to do it often as it becomes a retyping exercise (especially difficult on mobile, switching apps for more details for every transaction).

      Keep in mind that we're talking about more than a hundred transactions per month spread across multiple checking accounts from the whole family (not just mine). After direct import I need to assign transactions to payees anyway, so I don't see how it would decrease the efficacy of your method. If it would, I would actually not care about your method and just go elsewhere, but your method is so good it's worth it - for now. It just doesn't make sense you don't want to allow me to use it efficiently and seem ok with frustrating your international users..

      If you really think it's not important and everything should be done manually, you could just as well remove it for your North American users and make the product more affordable to help even more people..

      Reply Like
    • Change It's not that we don't want to allow you the chance to use the direct import feature, it's that we currently don't have the means to make it an available option for international use. While we believe you can get the full benefit of YNAB without direct import, that doesn't mean we'll stop trying to expand the feature and improve YNAB overall - we just know it's going to take some time before we can get there.

      We appreciate you sticking with us this far and we hope to someday exceed your expectations. :)

      Reply Like
      • John Burgess
      • Cadet_Blue_Barnacle.1
      • 1 mth ago
      • 2
      • Reported - view

      Faness 

      Faness said:
      It's not that we don't want to allow you the chance to use the direct import feature, it's that we currently don't have the means to make it an available option for international use.

       Yes you do! Just work with 'sync for ynab' for your international users (it works great) instead of avoiding the issue and expecting us to pay extra for it. 

      Reply Like 2
    • Hi John Burgess !

      We understand why our international users want direct import and we're hoping we'll be able to provide it someday. We don't mean to avoid the issue, we're more than happy to answer your questions, but at this time we don't have good news - our import partners have let us know support for international financial institutions won't take place in the near future. 

      We're looking into alternatives and, while I can't speak towards partnerships with third-party providers, you can always let our product team know you'd like to see this option by submitting a Feature Request.

      Reply Like
  • Why is not implemented! What on earth are you doing!

    Reply Like 1
    • Tetsugaku I responded to your other post regarding this. We added our last Direct Import partner in hopes of expanding to international direct import, but things haven't gone as expected.

      We're still looking for alternatives, but it's not as simple as you (or we) hoped. Faness gave more detail earlier in the thread, and this is where things stand at the moment.

      Reply Like
  • Everyone. Where should I go after YNAB? 

    Reply Like
  • Hi Faness

    Just wondering if any of the views on this forum get fed back to the YNAB  product team? Or are you employed to fend us off and recite the company line?

    Seems there's plenty of people here who think direct import is a feature that would help them keep on top of their budgeting and should be a core priority given the YNAB budgeting ideas.

    Also, the manual import methods you currently push are unreliable and regularly miss chunks of payments when I use them so I end up line by line going through them to reconcile and manually add back in transactions it's not bothered to import. It's a pain in the backside and takes ages.  

    I'll keep an eye on this forum, as I love other YNAB features and may come back in the future.  But, as it stands,  I won't be renewing my subscription in October. 

      

    Reply Like 1
    • Gray Tape They do. The best way to let our product team know what you'd like to see is to submit a Feature Request. Faness mentioned the history here, in one her recent replies to you. Our latest partner was added in hopes of expanding international financial institution support, but didn't work out as planned—though we'll continue to investigate our options.

      Awareness of spending is a big part of why YNAB works and we're totally unique in that our method leans more heavily on active engagement. That means entering transactions as you spend plays a big role in that.

      We understand your frustration, and if you decide that YNAB isn't for you—we wish you the best.

      Reply Like
  • I think it's fair to say that the support given on this forum is entirely of the useless nature. All smiles, but when it comes to actual changes, nothing.

    YNAB take our £7 and then don't put it into software development, not sure *where* they put it but, it's not there.

    Reply Like
    • Tetsugaku  Yeah - can't really blame the employees as they're just doing their job but we can definitely blame the YNAB leadership. Support even confirmed to me that the CEO does not see direct import as core feature. So he thinks that HE knows better what the customers should use. This is really embarassing attitude.

      Reply Like 3
    • Hi Tetsugaku !

      I understand your frustration with international direct import, but it just isn't a feature we're able to offer at the moment. While we do constantly work on software development (and we track changes in the YNAB Release Notes), we use a third-party provider for direct import. We want to leave data aggregation and the handling of your transaction information in the hands of those more experienced than ourselves. We've added two additional import partners since the launch of the online version of YNAB, with the hopes of branching out and supporting international institutions, but fell short of that goal. We're continuing to look into alternatives but we know support for international institutions is still a long ways off.

      Reply Like
      • Tetsugaku
      • Tetsugaku
      • 1 mth ago
      • 1
      • Reported - view

      Blue Motherboard Its insane. I'm a User Experience designer by trade - I know that you ask users what they want to do - then YOU figure out HOW to do it - you don't dismiss the suggestion.

      We are being ignored, whilst handing over fat piles of cash - for what development exactly? I don't see any!!

      Reply Like 1
    • Tetsugaku We're not dismissing the suggestion - we understand why our international users want direct import and we're looking into alternatives. However, it will take us time to both decide on a solution here and take the steps to implement it.

      In the meantime, while we investigate our options for improving direct import, our development in the app is being focused towards new features.

      Reply Like
    • Faness Though played down now  a big deal of direct import  was made when when the cloud version of YNAB was launched, One of the new features to justify the extra cost.  For non North American customers how about doing a deal with Scott at Syncforynab.  

      This could work well for everybody.  1/ Users get the service they were sold and bought,  2/ Scott gets more customers,  3/ YNAB feels the love again 

      Reply Like
    • Tomato Colt Thanks for sharing your thoughts here and sorry for the delayed response! I can't speak towards partnerships, but you can submit a Feature Request to let our development team know you'd like to see this option going forward! I've seen a number of import partners suggested in the forum, but Sync for YNAB always stands out since it was designed to work with YNAB and Scott's kind enough to join us in the forum. :)

      Reply Like
    • Faness why don’t you create that feature request on behalf of the forum?

      Reply Like
    • Sea Green Chef Our feature request form is personalized so that each opinion can be taken into consideration. For instance, it asks how the new feature would change how you use YNAB. While I can enter one reason, it would vary greatly from the voices of the many who are in the forum.

      Reply Like
  • Let me preface this by stating that I don't live outside the US, so some may dismiss my thoughts because of that.  However, I have followed this topic with interest since I work in IT, and am puzzled by the statement that YNAB does not have the internal resources to work out a direct import solution using Open Banking.  YNAB appears to have allocated significant resources to the development of the YNAB API, so are you honestly saying that a team the has created an API can't make the Open Banking API work with YNAB?  Admittedly, this is not the type of work that I do in IT, but I can conceive of a simple update to the bank connection dialog when setting up an account, with a checkbox to note that the connection will be via the Open Banking API.  It doesn't mean that you stop working with your current providers, but simply that for that bank connection, the third party providers will be bypassed and the Open Banking API will be utilized instead.  I realize that it is far easier to describe this than to actually write the code for it.  I just don't see your current import providers and the Open Banking API as mutually exclusive alternatives.  I know that there has been discussion in the US banking system of creating more secure account connection options for bank customers, and am hopeful that this approach may eventually find it's way to the US.  If so, then the more that YNAB is able to leverage this approach, the less dependent you will be on third party providers.

    Reply Like
      • Michael
      • Developer
      • ganey
      • 1 mth ago
      • 1
      • Reported - view

      bobbucy I work daily with APIs and infrastructure, and agree with all your points, especially regarding development of the YNAB API. Integrating with true layer is easier than waiting a whole API.

      Integrating with many other third parties is probably all still a lot easier than the recent changes to goals!

       

      To me it feels like YNAB maybe has 2-5 designers/developers as a maximum. It's possible that they only have 1 dev and everything else is outsourced!

      Reply Like 1
    • Hi bobbucy !

      We focused on development of the YNAB API in order to open YNAB to a realm of other possibilities. With the API released, other developers have been able to create add-ons - even some that allow for direct import with international institutions (ie. Sync for YNAB on our Works with YNAB API list). While Sync for YNAB is a paid option, some YNABers have used the API to create links to their specific bank. 

      For several reasons, including security and our number of internal resources, we choose to leave data aggregation and bank syncing in the hands of those with more experience. While that currently limits us to financial institutions in the US and Canada, we're hoping to have more options in the future.

      Reply Like
  • This tweet is a great example of how a company in the international market fails due to ignorance and phrases to its customers. YNAB tries to build a community and fails due to greed and incompetence. This tweet should be taught as a case to all business schools. It should be made public throughout the Non US market as YNAB "the new Kodak case".  Does anyone in the community have contacts in the media?

    Reply Like 2
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