Pending transactions/ real time import

Hi there, 

is there a plan to add a feature that allows to import pending transaction? I also wonder about being able to import transaction close to real time instead of every 12 hours. I am a former Mint user and that is definitely something I feel YNAB is missing and reducing its use for me. 

Thanks!

Nadja

144replies Oldest first
  • Oldest first
  • Newest first
  • Active threads
  • Popular
  • I have been using YNAB off and ON since before it was a web based product.  My wife and I have tried SOOO Hard to build the habit of putting a transaction in as we make them to keep things up to-date but we just can't do it.  It has been YEARS of trying.  The only reason we go off of YNAB is when i find something that can handle realtime transactions to see if it could work. One example is Simple.  I loved walking out the door of the store and seeing the transaction.  It was super easy to then put it where it belonged only simple does some wacky stuff that I couldn't get my head around. So then we end up back at YNAB  I realize that simple different in that it is directly tied into the bank but even if YNAB could pick things up at the rate that my current bank sends me text messages of my transactions that would be amazing!!

    Like 2
  • Some Day said:
    I would love to have Pending Transactions as an option too! Just show them what they are and let me Manually Add them, with just a click of a button!馃檪

    This is obviously the correct solution. I've had the pending beta for a while now and this works great. The only problem is that I have to manually type in the shown pending transactions that I want rather than being able to add them with the click of a button. The feature is even optional too. (You can turn it on or off in the interface.) 

    Why it's so hard to program (I'm a programmer) or why it hasn't been added, I have no idea.

    Like 1
      • WordTenor
      • I have the honor to be your obedient servant
      • WordTenor
      • 5 mths ago
      • 2
      • Reported - view

      Superbone The issue I see, and reported, and which apparently has gotten me kicked out of beta-ing (why you would ask people to beta and then not want them to tell you if something is is bad idea is beyond me, but...YNAB) goes back to the same problem we鈥檝e been having with us version 4 enthusiasts since the get go. The level of financial literacy necessary to know when to tell a pending transaction to drop is, while low, higher than the average new web app user possesses. Most people who want this feature want a 鈥渟et and forget鈥 budget, and nothing about pending transactions would ever be set and forget. It would actually be more work than cleared transactions only, as pending transactions will update their amounts, causing much wailing and blaming the software for the fact that the user didn鈥檛 remember that they tipped or didn鈥檛 realize the gas station only authorized a dollar. 

      Like 2
      • Annieland
      • YNABbing every day since 2009!
      • Annieland
      • 5 mths ago
      • Reported - view

      WordTenor Or in my all-to-frequent case, a whole string of fraudulent transactions that can't be reversed until posted 馃檮.

      Like
      • dakinemaui
      • dakinemaui
      • 5 mths ago
      • 3
      • Reported - view

      Annieland 馃憥鈽癸笍馃憥

      Like 3
      • Superbone
      • YNAB convert since 2008
      • Superbone
      • 5 mths ago
      • 1
      • Reported - view

      WordTenor AKA the ol' kindergarten safety scissors. We can't allow anything that could ever possibly be misused by the masses.

      Most people who want this feature want a 鈥渟et and forget鈥 budget, and nothing about pending transactions would ever be set and forget.

      I'm not so sure about that. I personally don't want that, that's for sure. I want to know everything that comes through my budget. That's why we have to approve every scheduled transaction and every imported transaction. This would be no different. If you choose to allow a $1 pending gas station transaction, that should be the same as entering a $1 gas station transaction manually. You are forced to use your brain on every decision for everything that enters your budget.

      Further thoughts are that after choosing to enter a pending transaction into your account, you would continue to see the pending transaction as well and then when it actually entered your account, it would once again force you to approve it over the original entered pending transaction. This would fix transactions that users allowed that were premature.

      Like 1
      • dakinemaui
      • dakinemaui
      • 5 mths ago
      • Reported - view

      Superbone I can't get past the inconsistency of use case. The entire point of including pending transactions is supposed to be more up-to-date category guidance for someone who does not want to manually enter. That's not the kind of person that WANTS to be engaged, which is in conflict with being "forced" to use your brain on every decision.

      Like
      • Superbone
      • YNAB convert since 2008
      • Superbone
      • 5 mths ago
      • 1
      • Reported - view

      dakinemaui Well, what does that make me? I don't want to manually enter transactions. I don't need more up-to-date category guidance. I like to be engaged and on top of my transactions as they come in. The more up-to-date, the better but if I have to choose, I'll wait until they direct import. I don't think we can categorize users and what they want in general. And beyond that, we shouldn't have to. It's a tool. Let me use it how it works best for me as long as it follows the method.

      Like 1
      • dakinemaui
      • dakinemaui
      • 5 mths ago
      • 1
      • Reported - view

      Superbone Abbe Normal? 馃槀

      Superbone said:
      Let me use it how it works best for me as long as it follows the method.

      Fine in theory, but it takes dev resources and support resources. You know this will introduce another topic for newbies to be confused about. WordTenor already said it -- it's another topic on which to educate the masses... which brings very little gain.

      I'm not trying to state an opinion about the feature itself. I'm commenting on the inconsistency of YNAB upping the financial knowledge required to use the tool.

      Like 1
      • Superbone
      • YNAB convert since 2008
      • Superbone
      • 5 mths ago
      • 2
      • Reported - view

      dakinemaui As a fan of Young Frankenstein, I really appreciate your answer. 馃槃

      Like 2
  • Awesome to see YNAB implementing this is a beta feature. Are any of you also participating in the beta? I haven't been to figure out how to use the feature yet, but supposedly I have access to import pending transactions through the web interface.

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

      Some Day I am. It鈥檚 awesome. It鈥檚 exactly what I wanted. You just have to have pending transactions, which are in their own section, and then you approve them and make any adjustments you鈥檇 want just like when you approve regular imported transactions. The only difference is that they enter your register uncleared.

      Like
      • Mario P.
      • Attorney
      • guarionex_48
      • 2 wk ago
      • Reported - view

      Superbone So it is in beta right now? I thought I read somewhere that it had been scraped. 

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

      Mario P. Nope, not scrapped. It has been improved so that you can now enter the pending transactions into your budget. It's ready to go as far as I'm concerned.

      Like 2
    • Mario P. We gave pending transactions a try a while back but the feature just wasn't up to par. This is our latest attempt at giving them a go and I love hearing Superbone 's feedback! If all goes well with the beta, they'll be coming to a budget near you soon! ;)

      Like
      • Superbone
      • YNAB convert since 2008
      • Superbone
      • 2 wk ago
      • 1
      • Reported - view

      Faness I have one little caveat to that. I just sent feedback. 馃檪I just realized a little issue I've been having lately is related.

      Like 1
  • I am loving the new feature. Transactions just become part of my budget much sooner :) I am operating in near-real time with actual spend vs. remaining amounts which is the key!     

    Like 2
    • Some Day How does one get in on this? I would love to be a tester.

      Like
    • Goodlandmama I love your excitement! We're not looking for beta testers at the moment, but appreciate your interest. Our team is looking into making changes to the process!

      Like
  • I am REALLY hoping that this is an optional feature.  The issue with pending holds, transactions without tips, etc. has already been fully explained on this forum.  If it's optional then I don't care but I have no interest in importing pending transactions into my household budget.

    Like 2
  • Hey, bobbucy ! I totally understand your concern here鈥擨 don't want pending transactions messing up my budget, either.

    To avoid that, the pending transactions in YNAB are treated the same way as they are at the bank: They don't affect the budget/account until the bank posts them or the user explicitly approves/moves them to the register early. They're cordoned off into a separate area of the account register like scheduled transactions, and you can collapse and hide that area, too.

    Like 1
      • Herman
      • herman
      • 2 wk ago
      • 1
      • Reported - view

      Matthew If I manually enter a transaction and then it appears in pending and I approve/move them to the register, will it match with my manually entered transaction?

      Like 1
    • Hi Herman !

      Yes, pending transactions will be able to be matched to manually entered transactions. Currently, that leaves them uncleared until you mark it as cleared.

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

      Faness Which is one of my issues with it right now. It should import again once it's no longer pending and match again, this time cleared. Otherwise, I have to go to the website to find out if it has cleared where I didn't have to before.

      Like 2
      • Herman
      • herman
      • 2 wk ago
      • 1
      • Reported - view

      Superbone yes, I absolutely wouldn't use this in this scenario. Removes the primary value of direct import for me.

      Like 1
      • Superbone
      • YNAB convert since 2008
      • Superbone
      • 2 wk ago
      • Reported - view

      Herman I ended up with a whole bunch of uncleared transactions before I realized what was happening. I think it's just a bug and needs to be fixed. (I hope!)

      Like
    • Superbone At the moment, that's expected behavior. We're taking feedback on pending transactions to see where this feature will go while still in beta (and my personal feedback was much in line with your own).

      Like 2
      • Superbone
      • YNAB convert since 2008
      • Superbone
      • 2 wk ago
      • 1
      • Reported - view

      Faness Glad to hear it and I hope it's getting serious consideration as it is part downgrade as is. I'd have to go to the website and visually search for cleared transactions. That would be sad if that's how it is delivered. It was a pain in the butt. I try to only go to the actual website when reconciling or looking up a suspect transaction. And having to visually clear transactions adds more room for error as well as adding a pain where there wasn't one before. Would be a real buzzkill. 

      Like 1
      • ToddYNAB Team
      • YNAB's CPO | Four Rules since 2009
      • Todd
      • 13 days ago
      • Reported - view

      Superbone I'm glad you're (mostly) enjoying the feature in beta.

      I wanted to chime in on this specific question, because this is easily one of the most complex decisions around pending transactions, and we've been talking a lot about it on the product team. What you're describing definitely could be an issue.

      On the other side of the coin, if they don't auto-match, you end up with an increased possibility of duplicate transactions. Here's the scenario:

      1. I enter a transaction directly at point of sale
      2. A couple of hours later, the transaction shows up as pending and doesn't auto-match.
      3. Some time later, I (or my partner, maybe) categorizes the pending transaction, not remembering or realizing it had already been entered directly. Boom. Duplicate.

      So ... It remains to be seen how this will work out, and it's not even as simple of course as this binary sort of way I'm framing it. But it's a really tough one.

      EDIT/SUPPLEMENT: I'm framing it as either match or don't match at all, but I didn't mean to ignore what you're suggesting Superbone , essentially a re-import to clear the transaction. That could be an example of something (being much more complicated from a technical perspective) that gets future consideration. 

      Like
      • Herman
      • herman
      • 13 days ago
      • 1
      • Reported - view

      Todd Make sure support is prepared for the deluge of reconciliation issues.

      Like 1
      • Superbone
      • YNAB convert since 2008
      • Superbone
      • 13 days ago
      • Reported - view

      Todd I was confused by your answer. I never suggested not auto-matching a pending transaction to a manually entered one. That's exactly how it should work. But it should also absolutely match the imported cleared transaction with the entered pending  one as well, technical challenges be damned. I'm a programmer, I get it but it's not like it's an unsolvable issue.

      If it ships like it is now, I'm not sure what I'll do because I absolutely want direct import to let me know if a transaction is cleared or not.  In my mind, I have two choices. Don't use the feature (a real shame) or just mark them cleared when I enter them. I really don't like either choice and it frankly, shouldn't have to be a choice. It's a half baked feature as is.

      Currently, when I don't mark them as cleared, I end up with a bunch of uncleared transactions that I have to go over one by one with the online statement and then reconcile. At least the other way where I manually mark them as cleared, there are less to unclear (than I would have to clear the other way) while looking at the website so that I can reconcile.  It's pretty obvious it should work as I suggested. Otherwise, like I said, it's half baked. Sorry, if that's abrupt but I'm just being honest.

      Like
      • Superbone
      • YNAB convert since 2008
      • Superbone
      • 13 days ago
      • Reported - view

      Todd I just thought about it some more and I personally won't use the feature as is (and it had so much promise). 馃檨For me, it's more important that DI marks my transactions as cleared than it is for me to get the transactions entered earlier. I'm lucky to have an abundant budget so on time transactions is just less important to me than the clearing functionality.

      And let's review the two cases. If I did manually enter the transaction, pending transaction don't do anything for me other than confirming the amount. So matching those does nothing for me. I'm better off just deleting the pending transaction rather than matching it.

      If I haven't entered the transaction yet, I have two choices. Type it in manually since it won't match when it does clear if I were to import it or just wait for the cleared transaction. I was typing them in manually (less than ideal) before the ability to accept the pending transactions was added.

      Like
      • bobbucy
      • Tomato_Snow_237e7f17927
      • 13 days ago
      • Reported - view

      Todd I appreciate your detailed explanation, but it does reinforce my concern regarding unnecessary complexity in the import process.  I absolutely don't ever want a pending transaction to be included in my imports and I strongly suspect that I'm not alone in that feeling.  Keeping imports working reliably is complex enough without trying to add the type of workflow that you're describing above, which is why I have to reiterate that this feature should come with an on/off switch at the customer's discretion.

      Like
  • I'm very concerned with adding unnecessary complexity to importing transactions.  The fact of the matter is that I don't need another section on the account screen that I need to hide.  Why aren't you just adding an import option for each connected account that says either import pending transactions or don't import them?

    Like
      • Superbone
      • YNAB convert since 2008
      • Superbone
      • 2 wk ago
      • 1
      • Reported - view

      bobbucy You can relax. 馃檪 There's a Pending filter. It would look exactly the same as it does now to you.

      Like 1
      • bobbucy
      • Tomato_Snow_237e7f17927
      • 13 days ago
      • 1
      • Reported - view

      Superbone Got it.

      Like 1
      • Superbone
      • YNAB convert since 2008
      • Superbone
      • 13 days ago
      • 1
      • Reported - view

      bobbucy Looks like I'll be joining you. 馃え

      Like 1
Like10 Follow
  • 10 Likes
  • 13 days agoLast active
  • 144Replies
  • 3384Views
  • 42 Following