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!

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  • 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.

    Like 3
      • dakinemaui
      • dakinemaui
      • 5 mths ago
      • 1
      • Reported - view

      I believe the matching window is 10 days for CC accounts and 30 days for checking accounts.

      Like 1
      • Victor Rodriguez
      • Husband, Father, Software Engineer
      • victropolis
      • 5 mths ago
      • Reported - view

      jenmas you are implying that the data that YNAB pulls from the credit card company DOES NOT include the transaction date.  Do you know that for a fact?

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      • nolesrule
      • YNAB4 Evangelist
      • nolesrule
      • 5 mths ago
      • Reported - view

      Victor Rodriguez as far as the bank is concerned, the date of capture is the transaction date. That can be days after the authorization happens. Whether or not the purchase date is available depends on the method the data is provided and what information is provided. For consistent behavior, the posting date is the correct one.

      And if you manually enter the data, then the discussion is a 🐄 point. 😂

      Like
      • WordTenor
      • I'm the oldest and the wittiest.
      • WordTenor
      • 5 mths ago
      • 3
      • Reported - view

      nolesrule it’s like a cow’s opinion. 

      Like 3
      • dakinemaui
      • dakinemaui
      • 5 mths ago
      • 1
      • Reported - view

      WordTenor udderly useful

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

      dakinemaui So you're really going to milk this, eh?

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

      Superbone I'm more of a fan of heferwisen.

      Like 1
    • dakinemaui The matching criteria is the same for either account type. An imported transaction (FBI or Direct Import) will automatically match up with an entered transaction if the amount is exactly the same and the dates are within 10 days.

      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.

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

      Nicole Are you certain the matching window does not depend on account type?

      That would be a change from what it once was and not in a good way. Paper checks are still a thing and are still mailed between parties. It is therefore highly likely to clear outside a 10 day matching window.

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    • dakinemaui Are you thinking about the matching criteria in YNAB 4? The above is the behavior in the web-based version.

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

      Nicole No, I thought that I had seen a 30 day window in conjunction with nYNAB as well. Which would make a lot of sense, because people didn't suddenly stop mailing paper checks when YNAB was released.

      Nonetheless, thank you for clarifying the current behavior.

      Like
  • Talk to your bank, as the choice of date is on their end. One of my CCs uses the transaction date, while another uses the posted date.

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      • Victor Rodriguez
      • Husband, Father, Software Engineer
      • victropolis
      • 5 mths ago
      • Reported - view

      dakinemaui I don't understand.  On my CC websites I can see both the transaction date and the date the transaction posted.

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

      Victor Rodriguez On my CC websites, only one date is shown in the transaction list, but the other is available if I "drill down" deeper and expand each transaction. The CC made a choice as to which date is easily visible at that top-level.

      YNAB uses a third-party service to pull those transactions, who is unlikely to do more than the bare minimum of parsing, and would take whatever is easily shown.

      As has been described above though, if you enter the transaction yourself, then you control the date.

      Like
  • 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.

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  • Nicole said:
    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.

    Like 1
  • 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. 

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    • Hi Magenta Vacuum !

      Do you mean what day a bank switched from providing transaction dates to posted dates? YNAB uses posted dates, so even if a transaction date is known, the posted date is what will import into your budget.

      Sorry for the matching trouble! Since there's a date range for matching transactions, transactions for the same amount but on different days can be matched by mistake. If you manually enter a transaction for each imported transaction they should all have matches in the end.

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    • Faness I see, on the posted date change. 
       

      From my experience, even if I do every day and import halfway through the week, the import seems to prefer more recent transactions than older ones. This happens the most often when I open the app, log that day’s occurrence, and then hit the blue import banner and have that day’s  transaction immediately get matched. When in actuality, the match should be for the equivalent transaction that I logged Monday. 
       

      To ensure I don’t make any mistakes with my logging, I started doing five weekly repeating transactions as of today. So we’ll see in a week.

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    • Magenta Vacuum That's interesting. If your imports match to the latest manually entered transactions, are the previously entered transactions skipped until a later import? If you manually enter 5 and 3 import one day, the other 2 should import later and they should all have matches.

      If you notice different behavior with the five weekly transactions you've entered, please let us know!

      Like
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