Beyond Fed Up

This software is completely unusable if my transactions will not import. Supposedly you have been "working on" transactions not importing from USAA for months, but it's not any better. Currently nothing will import. I am weeks behind on budgeting because of this. 

This is completely unacceptable. I signed up for this software and have paid for it every year on the assumption that I would, you know, actually be able to USE IT.  When are users going to get their money back for something that doesn't work??

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  • Cyan Inspector said:
    This software is completely unusable if my transactions will not import.

     When you start with a false premise such as this, everything that follows from it is incorrect.

    The worst thing that YNAB ever did was add the Direct Import feature, because even when it does work people don't understand it. Well, second worst after Stealing From the Future.

    Like 7
  • I don't understand what you mean. Are you saying I can still use it because I can still manually import every single one of my transactions? If so, you are technically correct, but that is not the service I thought I was paying for. I could simply go back to using Excel spreadsheets or pen and paper. Why bother paying for YNAB??

    Like 1
      • nolesrule
      • YNAB4 Evangelist
      • nolesrule
      • 2 wk ago
      • 7
      • Reported - view

      Cyan Inspector 

      Because an envelope budget system with carryover money from month to month and open-ended transactions doesn't work well in a spreadsheet over long periods.

      I've been using YNAB for 6.5 years without ever importing a single transaction.

      Like 7
    • nolesrule Okay, good for you. But that really isn't the point here . 

      Like 1
      • nolesrule
      • YNAB4 Evangelist
      • nolesrule
      • 2 wk ago
      • 3
      • Reported - view

      Cyan Inspector It's not? what did I miss? I mean it's not like we don't keep hearing this over and over almost every single day, and yet there are many of us who are able to use the software perfectly without this particular feature for years on end.

      Like 3
      • MXMOM
      • MXMOM
      • 2 wk ago
      • 6
      • Reported - view

      Cyan Inspector manually enter every transaction.  As you spend the money. This is what should be done regardless of whether importing or not.  Importing is simply allowing you to automate the comparison to the bank activity akin to the old days of getting a bank statement and checking each one off.  Automate the transactions that reoccur.  And enter upcoming transactions when you know about them. 

      Cyan Inspector said:
      Why bother paying for YNAB??

       If what you are looking for is a fancy cheque register, than I agree with your statement.  But that is not what YNAB is. Importing is a reactive process, recording what has already occurred.  Budgeting is a proactive process, planning in advance what you want to do with your money.

      Like 6
      • JollyB
      • jollyb
      • 2 wk ago
      • Reported - view

      MXMOM Spot on.  If I didn't record every transaction manually, I wouldn't be actively budgeting my money.

      Like
    • Vibrant
    • No more counting dollars, we'll be counting stars
    • vibrant
    • 2 wk ago
    • 2
    • Reported - view

    If you hate it that much, go to Budget > Account Settings > Delete Account. You'll be refunded for the unused time on your current subscription. 

    Shouting about it on a support forum isn't going to magically make the import start working better. 

    Like 2
    • Vibrant Ummm...I am posting here because I'm not sure what else to do and assume that YNAB staff read these forums. I absolutely loved this site and have used it for over 2 years. Now a major feature that made me choose (and pay) for this site over others is no longer working, and they just keep saying that they're "working on it." I am well aware I could just delete my account (DUH), but I would like to get an actual honest update from them on the most likely outcome of this problem, since it seems to be widespread and not just my particular bank. 

      Like 1
      • nolesrule
      • YNAB4 Evangelist
      • nolesrule
      • 2 wk ago
      • Reported - view

      Cyan Inspector
       

      Cyan Inspector said:
      I am posting here because I'm not sure what else to do and assume that YNAB staff read these forums.

       
      Except they've explicitly stated that the forum is not for posting about import issues.

      Like
    • nolesrule Oh I know,. You're supposed to  report the import issue using a different feature. But that has become futile, so I don't really care. 

      Like
  • Okay. I mean, we’re listening, which is all we can do. I read your post and I understand you’re frustrated. 
     

    YNAB is not going do you magically fix this, so your options are to delete your software and cancel your subscription and get some of your money back or to use file-based importing do it entirely manually. The latter, as people are telling you is a perfectly reasonable way to use the software and not very difficult, but if you feel it’s more than you want to do just cancel your subscription and be done with it. 
     

    there’s not really anything else anyone can do, and they can’t instantly fix importing issues just because you came here and complained. As you acknowledge, the problem is widespread, so they can’t just flip a switch and make it better just to keep you as a customer. So it’s up to you if you keep giving them your money or not.

    Like 4
  • Also by the way here is the official response you’re going to get:
     

    We’re sorry it isn’t working for you. We work closely with our direct import providers and we recently added/changed/updated that system.  You can check the status of import on {link to status page}. You can also report connection issues on {connection report}. We also encourage you to try {link to support doc on file based importing}. We’ll be sad to se you go! 

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

      WordTenor I shouldn't be laughing but I am. 😄We've seen that message too many times to count.

      Like
  • Cyan Inspector I'm sending you an email right now—I think we can get your imports working a lot better, although it's definitely an ongoing struggle.

    Like
      • MJC
      • mjclemente
      • 2 wk ago
      • Reported - view

      Matthew Is that option available for other subscribers? Because I too am getting really frustrated with this.

      Like
    • Hi MJC !

      There are a number of factors (mostly based on which financial institutions you use and the accounts you have) that affect the best option for your account going forward. If you use this link to report a Bank Importing Issue our Direct Import team can go over the options with you.

      Like 1
      • MJC
      • mjclemente
      • 2 wk ago
      • 1
      • Reported - view

      Faness Thanks! Reaching out to them!

      Like 1
  • I have generally stayed out of the import issue rants. However, I want to pipe in with the following statement.  YNAB has outsourced its banking interface which is perfectly reasonable and the right thing to do since bank interface is a business unto itself. 

    Did they pick the "right" provider? Not sure and not going to debate that. But I will say that the bank interface world is a constantly shifting one, with security being the main concern. Security by definition requires more "hoops" to jump through, more locks to unlock to get access to the data. 

    Data breaches are happening daily even with organizations like the Canada Revenue Agency where an entire building of employees work on nothing else but security. The ease of access to the data has to be weighed against the need for security. Each bank has staff working 24/7 to protect your data while at the same time trying to introduce user friendly ways for the legitimate owner to access it.  Even my own banks mobile site and apps need constant repeated reauthorization. The institutions are liable for any data breaches so have to be vigilant in only letting the right entities access the accounts. 

    In addition, the ways to access electronic information is diverse. IOS, Android, Chrome, Internet Explorer, etc. and each of these is changing daily as well.   So there are multiple moving parts which are in constant motion.

    As a person with an IT background, I want to say I would not want to be in the data security business right now. The liability is huge and the demand by users for easy access is increasing. There is always a balance between access and security. 

    I will go back to my position that the data import function is NOT a requirement for the YNAB application to work as designed.  The job of the application is to budget your money. It does that beautifully (with some improvements possible).  Now as an accountant, I know that reconciliation is vital because things slip through or amounts are different than recorded. But the application will work 100% as designed without ever importing or even reconciling to the actual accounts.

    Like 10
      • WordTenor
      • I have the honor to be your obedient servant
      • WordTenor
      • 2 wk ago
      • 8
      • Reported - view

      MXMOM Basically this. My import completely FUBARed this morning (picked up a month of transactions in checking which have already imported) and...eh. It's a thing that's not going to work perfectly. The benefit to me of having it work 80% of the time is worth turning it on, and YNAB would be worth using even if I didn't have it to turn on. 

      But YNAB also brought this on themselves. They knew import would allow them to compete in the space more aggressively. The annoying thing though is that it also brings people into the YNAB community who love these giant flounce rants. It also has increased the number of people who need massive hand-holding because they've never seen transactions in different states before. 

      They seem to be making money hand over fist and lots of people seem thrilled with the software and with Nick True. So...eh. I don't care for the flounce rants but whatever. The software is still the best thing going. I just feel sad that import has created a different set of YNABers who seem less likely to use the software to get ahead, who are entirely dependent on the flashy features instead of learning how to make decisions about their money. 

      Like 8
      • MXMOM
      • MXMOM
      • 2 wk ago
      • Reported - view

      WordTenor I love anyone that can use FUBAR as a verb!

      Like
      • JollyB
      • jollyb
      • 2 wk ago
      • Reported - view

      MXMOM 👏👏👏👏👏

      Like
  • WordTenor said:
    with Nick True

     I have watched a few of his videos but I find that a lot of people that struggle are watching and reading too many things and getting overwhelmed or are trying to do it "right". The thing is that budgeting is so simple you can do it on a single piece of paper.

    The keeping track of spending is the more work intensive part but even my non-techie (previously anti-budget) husband enters his transactions in the car right after the purchase was made. Sometimes I have to fine tune it (wrong amount or split transaction) but 98% of the time its there correctly. And the budget is accurate because it is up to date. 

    I tracked my transactions in Quicken for decades and not once was I able to budget. Because the spending already happened. I know I am preaching to the choir but the power of YNAB or any system including paper and pencil is looking at the available amount BEFORE spending.  WAMing is necessary more in the beginning when the budget amounts are more guesstimate than reality but I agree that many people come to YNAB and are using it as a tracking tool.  Hey, most banks offer those now for free.  And Excel or Google Sheets can do that just as well. 

    If I record all calories eaten at the end of day, it doesn't mean I will lose weight if I eat more than I should.

    Like 3
  • WordTenor said:
    flounce

     My word of the day:

    flounce (noun)

    an exaggerated action, typically intended to express one's annoyance or impatience.

    "she left the room with a flounce"

    Like 6
      • WordTenor
      • I have the honor to be your obedient servant
      • WordTenor
      • 2 wk ago
      • 7
      • Reported - view

      Superbone To further extend your lexical acquisition, this is actually the relevant definition (from Urbandictionary.com) 

      flounce (flaʊns)

      v. flounce, flounced, flounc•ing,

      - To leave an internet group or thread with exaggerated drama; deleting posts, notifying mods and or group users, and cross-posting on other groups to draw attention to the drama. Comes from the original use of gathering up skirts and petticoats and leaving in dramatic, impatient and exaggerated movements.

      Like 7
      • Superbone
      • YNAB convert since 2008
      • Superbone
      • 2 wk ago
      • 1
      • Reported - view

      WordTenor Thank you. I also found the Norwegian origin interesting from the word flunsa (hurry).

      Like 1
    • Scott
    • In the beginning the budget was created. This has made many people very angry and has widely been regarded as a bad move
    • Scottgoeshiking
    • 2 wk ago
    • 1
    • Reported - view
    nolesrule said:
    The worst thing that YNAB ever did was add the Direct Import feature, because even when it does work people don't understand it.

     That's one perspective, but I would not be using this software at all if I had to record every non-recurring transaction manually.

    Like 1
      • Bruce
      • Software Engineer
      • Bruce
      • 2 wk ago
      • Reported - view
      Scott said:
      I would not be using this software at all if I had to record every non-recurring transaction manually.

       You can still do manual import with very little effort. And even if you choose not to do manual entry, you can still import everything without the nuisance of relying on the 3rd party company. 

      Like
      • Scott
      • In the beginning the budget was created. This has made many people very angry and has widely been regarded as a bad move
      • Scottgoeshiking
      • 2 wk ago
      • 1
      • Reported - view

      Bruce Context might be helpful. I have 15 accounts in my budget.

      Edit: I haven't had any issue with YNAB's transaction import. It is working very well for me and I'm happy with it. YNAB would not be a tool that meets my needs if this functionality wasn't present though. I would have selected a different tool instead.

      Like 1
      • nolesrule
      • YNAB4 Evangelist
      • nolesrule
      • 2 wk ago
      • 3
      • Reported - view

      Scott 

      Scott said:
      I have 15 accounts in my budget.

      Well, if we're gonna start measuring....  I have 27 accounts in my budget. Plus 13 tracking accounts.

      Yet I have difficulty empathizing with people who must have direct import with far less accounts.

      Like 3
    • Scott 32 accounts here with no automatic import. It violates the terms of the agreement I have with my bank.

      Manual entry works WAY better for us because the automatic categorization would be a mess. Even something supposedly "easy" like a Safeway purchase could be half a dozen categories (e.g., Gifts, Liquor, Household Goods, etc.) and I'm not the only spender in the house.

      Realistically, we enter manually on the mobile when out and desktop for online purchases. I import a file for my main couple credit cards every 1-2 weeks to speed up reconciliation. Other accounts are pretty trivial to reconcile manually as they are low traffic.

      Like 3
    • Scott
    • In the beginning the budget was created. This has made many people very angry and has widely been regarded as a bad move
    • Scottgoeshiking
    • 2 wk ago
    • 1
    • Reported - view
    nolesrule said:
    Yet I have difficulty empathizing with people who must have direct import with far less accounts.

     I wasn't holding my account count up as some sort of measuring contest, just as an amount of accounts that seemed to me far more than I'd want to handle with manual reconciliation. I understand many people have in the range of 3-5 accounts on budget - 1 checking, 1 savings, and a few credit cards.

    No one who likes automatic import is suggesting those of you who love manual entry shouldn't go on doing things the way that works for you. I'm never going to be entering all my transactions manually and I would not use this software if it didn't have the functionality. That's a statement about me and what works for me, not a statement about you, and we're both trying to achieve financial goals here - not compete to see who's doing it better.
     

    dakinemaui said:
    Manual entry works WAY better for us because the automatic categorization would be a mess. Even something supposedly "easy" like a Safeway purchase could be half a dozen categories (e.g., Gifts, Liquor, Household Goods, etc.) and I'm not the only spender in the house.

     
    How does manual entry make categorization easier? Do you split your manual transaction into those categories?

    I do something similar with a couple of transactions I make regularly, but I do the split after the import. Is it a timing issue, where the transaction split amounts are fresh in your mind? Just curious.

    I guess I also have another, as yet unspoken reason for appreciating automatic imports. I like seeing at a glance when transactions occur across my accounts. Without a central hub for this, I'd have to log into and skim all my budget accounts on a regular basis (as one would during manual reconciliation), but I'd have no immediate warning if an unrecognized transaction occurred. In the past I used Mint, and caught someone stealing my card number early before it became an issue because the transaction imported automatically. It might have been weeks or even months to notice otherwise, since it was a card I almost never use.

    Like 1
  • Scott said:
    How does manual entry make categorization easier?

    Mainly, I have no idea how my spouse's transactions should be categorized half the time, so relying on partner saves me time later. (Might be split, but typically not.) As for me, yes it's a timing thing when things are fresh in my mind. If I've missed an Amazon transaction that I find during reconciliation, that involves more detective work to go look things up. Having done it both ways, it's simply less effort for me to enter up front.

    Like
      • Scott
      • In the beginning the budget was created. This has made many people very angry and has widely been regarded as a bad move
      • Scottgoeshiking
      • 2 wk ago
      • Reported - view
      @dakinemaui said:
      I have no idea how my spouse's transactions should be categorized half the time

       Hah, me either. I'm constantly asking her for categories since she's not on the YNAB train yet.

      YNAB, if you can solve the issue of correctly categorizing a partner's transactions, I'd be eternally grateful :)

      Amazon is indeed a pain, and my most frequent transactions that need to be split. Amazon does have an API that, theoretically, could be used to retrieve purchases for AI powered classification and transaction splitting, but then you'd be giving YNAB or some intermediary a whole lot of commercially valuable and personal purchasing information. I think the most I'd be comfortable with is retrieving the amazon categorization of my purchase by API, rather than any detail about the item itself.

      Having done some CC processing adjacent work, I'm also aware of the concept of Level 3 processing, which can include very detailed information about purchases (but is typically for B2B purchases). I'm not a fan of my cc processor having access to a list of products I purchased, but it might be something that comes in the future. https://blog.clover.com/what-is-level-3-payment-processing/

      Also, if this sort of thing concerns you, keep in mind this is what rewards programs do. They allow a business, like a grocery store, to tie all your purchases together under one tracking account with your name and address, which they can then analyze and tie to other purchased information about you. Of course online accounts do that automatically, but I think it's not something most people think about when swiping their rewards card at Safeway. Theoretically, that purchase information could also be interpreted by AI for categorization.

      Like
      • JonDale
      • JonDale
      • 2 wk ago
      • Reported - view

      dakinemaui  in my experience Amazon transactions are tough in YNAB. I’d love others perspective but I’ve actually asked my wife to stop manually entering them into YNAB because 9 times out of 10 the initial amount entered from the order total doesn’t match the final amount that end up being charged on our amazon (dedicated) credit card. This is because Amazon charges the card at the point of shipment and often splits orders into multiple shipments. 
       

      Reconciling and properly categorizing Amazon transactions is probably my least favorite part of using YNAB. 
       

      My current approach is to have a browser window open with gmail and search “amazon $x.xx”. With $x.xx being the amount of the charge on my card (thank God for auto import). Then I click through on the order number and see what the item was. 
       

      This is a tedious process that I end up doing about once a month. Considering Amazon is probably the most frequently used store by the entire population of the USA I wish there was a better process for this. 
       

      For years we’d manually enter every Amazon transaction  but 90% of the time this just created a reconciliation nightmare.

      Any suggestions?

      Like
    • JonDale 

      Waiting is undesirable for several reasons. When I order more than one item from Amazon, I sidestep the issue entirely by forcing a single CC outflow:

      https://support.youneedabudget.com/t/k9vcv8

      Like
    • Scott why not just have an Amazon category and forgo the splitting??

      Like
      • JonDale
      • JonDale
      • 13 days ago
      • Reported - view

      Sea Green Griffin I could certainly do that. But following that logic I should only have one category in YNAB :). 

      Like
    • JonDale that’s quite a out of Amazon 

      Like
  • Scott said:
    Theoretically, that purchase information could also be interpreted by AI for categorization.

     
    This is why you should never swipe your rewards card when purchasing a shovel, zip ties, plastic bags, and bleach. Forensic Files has taught me that.😉

    Like 8
    • MXMOM and always pay with cash!

      Like 1
  • I get it, it's a really important feature for me as well. But here is what I ponder - I know that I can only speak for myself, and as such, I ended up with YNAB because I needed help getting on track and taking control of my money. Ultimately, like most of my problems, they are my fault, and YNAB has really been a godsend in terms of helping me understand what I do and don't do with my money. The automatic import is definitely a lovely and helpful feature, however, I too am having problems with and it has really been annoying me.

    But! What is more important in the grand scheme of things between having a reliable direct import feature or taking active control of my money? Over the course of the last month, my decision has changed from the former to the latter - I am actually going to actively eliminate my frustration with direct import by eliminating it entirely. Call it old school, but I am actively moving toward manually entering my transactions, thereby removing automatic import's ability to frustrate me.

    I'm doing this because I am tired of making excuses for why I am off-budget or don't have the money in my account that I think I should. I'm 45 years old and I am relatively successful, but I still struggle with money.  I am also old enough and mature enough to realize that the problem is me, not a software feature. 

    I'm in my 3rd month of using YNAB and honestly, it has had a more profound effect on what I see happening over the next 12 months of my life than any other thing or event has.

    My advice to you, and to anyone for that matter, is don't give up. Roll up your sleeves and lean into it - IT WORKS. If you are too disorganized or have too many accounts or whatever (like me), work on that. Deal with that. I only say that because that is what I am actively doing with myself and it IS WORKING. Any time I point my finger at someone else, I realize that when I look at my hand, there are also three fingers pointing right back at me. 

    Don't get mad!

    Like 6
  • My wife and I have been using YNAB (4) since 2012 and have manually entered every single transaction, ever (phone and desktop).  The price we pay in opportunity costs and time are negligible compared to the result.  I’m never stressed about numbers, everything is up to date, correct and it’s absolutely worth my time.  If you care about your finances you take the time to do [whatever it takes] ... open to Avengers puns here... I don’t mean to say anything bad about people who want to use DI, but just want to note that manual entry can be done, and it’s not crazy to do so, it’s not a hardship in any way.  Whether you feel cheated that YNAB has advertised it and it’s not functioning as advertised... that is something I won’t go into.  
     

    I just wish more people would give it a shot, but I also understand why it does seem crazy.

    I’m a big guy.  In high school I joined cross country because my friend needed someone to join him... I never in a million years thought running would be fun, energizing, and easy.  I would eventually run miles and miles and miles, and still can today (more like jogging today).

    I imagine hearing manual entry to someone thinking DI was going to work would be similar to my first reaction when I was asked to join cross country.  A total “are you crazy insane!?!?” kind of thing.  But in the end... it was one of the best things in my life.  I hope anyone opposed to manual entry just gives it a shot.  It’s worth it!

    Like 5
  • MXMOM said:
    The keeping track of spending is the more work intensive part but even my non-techie (previously anti-budget) husband enters his transactions in the car right after the purchase was made. Sometimes I have to fine tune it (wrong amount or split transaction) but 98% of the time its there correctly. And the budget is accurate because it is up to date. 

    This is similar in my house.  My wife enters her spending pretty much immediately.  I do it that day. If something is entered incorrectly, its easy to catch.  This means we are accurately budgeting our money, as the category amounts are up to date.

    Like
  • Went to 4 stores today (all ones where I have shopped before). When I got in the car I hit my iOS shortcut which opened YNAB transaction in the correct account. Enter the total spent. I don't have geopayee set so I start typing the payee COS - Costco pops up. Prefilled with groceries and the right account (they don't take visa), save. Done. Total time 10 seconds. 

    Like 3
    • MXMOM But... that's 10 seconds during which you could have been doing more important things - like checking Facebook or complaining about how hard manual entry is. And if you had to do that for all 4 stores you visited today that would be a total of 40 seconds. Who has 40 seconds to waste on managing their finances everyday??

      Like 7
  • You guys crack me up. 
     

    The whole point of YNAB is to get to the place where your finances are in order and you have the freedom to not worry about every penny all the time. 
     

    We started our YNAB journey years ago with close to six figures of credit card debt, long before account syncing was a thing. We got out of debt over many years and now, guess what, we love downloading our transactions and not having to be religious about immediately entering a transaction manually every time. 
     

    Those of you who are YNAB zealots and say that ideally every transaction is manually entered immediately after you do it are right. But some of us either choose to use ynab differently or have earned the freedom not to have to do that anymore. 
     

    It’s perfectly reasonable for users to want sync to work as described. 
     

    My hope is that one day every ynab user is debt free with 90+ day old money, and sync is real time so when we use Apple Pay our iPhones immediately tell us ynab has just categorized that $5.24 latte as “eating out” :). Till then, let’s not assume that anyone who leans on sync is making a bad decision and welcome everyone into the YNAB family. 

    Like
    • JonDale Of course you can want Direct Import to work well if you use it. If it's not working then you should contact YNAB support.

      If, instead, one chooses to complain in a public forum and claim that the software is completely unusable without this feature, one is bound to get push-back from folks who have happily used the software for years without it...

      (For me, I have been tracking my finances by the penny for over 30 years - first on paper, then in a spreadsheet, then QuickBooks, Quicken and for the last 3 years in YNAB. I have not "had" to do this for about 25 years, but I do think this is one reason we have never had credit card debt or a car payment or any debt except a mortgage.)

      Like
      • WordTenor
      • I have the honor to be your obedient servant
      • WordTenor
      • 13 days ago
      • 6
      • Reported - view

      JonDale I agree completely. I love the ability to let DI sweep up after tiny mistakes I've made or things I forgot to account for, because I've been using YNAB for the better part of a decade now. 

      But YNAB works just fine without DI. And if someone's thesis is "This software is totally unusable if I can't download" well, that thesis is woefully unsupported. 

      "DI is bad" is not what anyone is this thread has said, so I would look carefully again at the posts because you are defending a strawman. "DI is not necessary" however, is a position which is impossible to refute. 

      Like 6
  • I’m guessing Jesse might disagree from a business perspective. There’s no doubt that YNAB has grown its user base by adding DI. Without it, a lot of people, myself included would go to a different tool at this point. 
     

    Of course a paper budget and a checkbook ledger is fully sufficient. But YNAB is better than that. I just don’t like it when someone posts with a valid criticism (DI has issues) and the hounds are released. 
     

    Headed back to my normal life where I just read and don’t post. You guys have fun.  Thanks for indulging me. 

    Like
      • Superbone
      • YNAB convert since 2008
      • Superbone
      • 13 days ago
      • 4
      • Reported - view

      JonDale Of course YNAB is better when DI works flawlessly. Nobody is going to argue with you.

      Cyan Inspector said:
      This software is completely unusable if my transactions will not import.

      It's just that the OP's statement is false. That's it. I personally rely heavily on DI. I also love the YNAB system. I'm willing to sacrifice accounts for ones that work well with YNAB. But that's just me. My only budget account that doesn't handle DI extremely well is my Apple Card. 7 out of 8 is pretty good. I'm willing to live with that especially when my Apple Card is used exclusively when buying Apple products. In other words, I rarely have to update it.

      In a perfect world, DI works perfectly. In our world, the best I've seen is Mint but their budgeting is lousy. YNAB's DI is many rungs below that. They're either not willing to spend the funds to get the best importers or maybe the banks aren't willing to work with them like they do Mint. Or maybe Mint throws money at these import companies. I don't know. It is what it is. Until an equal or better budgeting solution comes along with better DI, I'm sticking with YNAB.

      And of course, anybody is allowed to walk away from YNAB if they don't find their DI up to snuff. AND people are welcome to continue to complain about it and let YNAB know they're not happy with their DI. Please, keep them accountable. But if you're going to say the software is "completely unusable if my transactions will not import", you're going to get some pushback as it wasn't even a feature of YNAB for the first 10 years that it existed.

      Like 4
  • Mate I've been paying for the subscription service since it came out and paid for ynab 4 before that. Auto Import isn't even available in my country. Ynab is better without auto imports. 

    Like 3
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