Transaction Date vs Posted Date
It seems to me as if YNAB is using the date that transactions posted to the credit card accounts rather than using the actual date of the transaction. This makes it difficult to match receipts with transactions that were downloaded. Can you please give the user the option to use the transaction date or the posted date? Thanks!
The data that YNAB pulls from the credit card company only includes the posted date and YNAB can't control that. The matching feature will match a manually entered transaction to an imported transaction within 10 days. Manual entry is meant to be the primary method of entry with import as a back-up/double check.
Victor Rodriguez I'm happy to clarify here! The dates you’re seeing import into YNAB should be the “posted” date of the transaction, while some bank statements might show the “transaction” date.
The difference: the “transaction” date represents the date the purchase/payment was made and the “posted” date is when it was officially cleared by the bank. Since financial institutions don’t always give us the “transaction” date, we use “posted” dates (which all institutions provide) instead.
This varies quite a bit based on the bank, so while I don't expect that to change—you can submit a Feature Request to our product team, to put it on their radar!
Adding transactions as you go in the mobile app can help here. That way the imported transaction will match with the one you entered—and the date you chose will be kept.
The criteria for matching in the mobile apps is slightly different: transaction amounts can differ by up to $1 and still match there—we call this the tiny keyboard allowance.
Seems to me that the allowance should tie to where the transaction was entered rather than where the import happened.
1. Does anyone ever review when a bank may have started giving transaction dates?
2. Even with manually posting, I still get bugs when the auto-import catches up. I have a purchase for the exact same amount that I do every weekday, and the app regularly matches to the wrong day. And when I unmatch it, it’ll leave both the manual import and auto import as “cleared”, which is dumb because I technically still need to get it matched. Oh wait, it won’t clear the manual import again if I hit cancel, but it took me a while to figure that out as Cancel usually means changes aren’t saved, which makes me worried about having to unmatch again.