Linking an Account on Mobile

Direct Import helps make sure you have all your transactions in YNAB. Transactions import once they clear your bank (which can take a day or two), so it's best to record your spending right away. When transactions are imported, they'll match right up with the ones you entered—and you'll know you haven't missed any.

In This Article

Linking a New Account

These steps will help you add an account in YNAB and link it to a connection with your financial institution. 

How to Link a New Account

  1. Tap the Accounts tab at the bottom of the app. 
  2. Tap Add Accounts at the bottom of your account list.
  3. Select the Linked option. 
  4. Select the region where you live/have accounts. As of now, Direct Import is only supported for select financial institutions in North America and Europe, and is limited to one region or the other. If you don't see this region selection screen or if the banks available in the search list you see aren't in your region, send us a message letting us know the region you prefer.
  5. Select your financial institution from your list of current connections, or tap Add New Connection and search for your financial institution by name or URL. If this is your first connection, you'll skip right to the searching.
  6. Enter your login credentials and follow the prompts. If you run into an error, try these troubleshooting steps or Skip to set up an Unlinked account.
  7. Select the account you want to add, giving it a nickname if you'd like. 
  8. Tap Next.
  9. If you added a credit card account, you'll see the option to set a target to pay off your starting balance. Otherwise, you're done. Success!

Can't find your bank?

If you search for your financial institution and come up empty, you'll see the option to  suggest an institution. If you don't see the option to suggest an institution, that means your bank was automagically suggested to be added. We can't guarantee if or when a new institution may be added, but your request will help our Direct Import provider prioritize which banks to add next.

In the meantime, you'll be able to import transactions from a file downloaded from your bank as a quick and easy alternative to Direct Import!

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What to Expect After Linking

Once you link an account, YNAB will import the opening balance of that day. If you have any transactions that clear on that same day, they'll be available to import soon after. Transactions that cleared before the date of the starting balance will not import, and as your pending transactions clear, they'll become available within 24 hours. Going forward, your balance will be updated by transactions that are added to the account register. 

How to Import Transactions

  1. If you have any transactions to import, approve, or categorize, you'll see a red dot on the Accounts tab at the bottom of the screen.
  2. When you tap Accounts, you'll see a bright blue banner at the top letting you know you have transactions to import, approve, or categorize. Go ahead, tap it!
  3. On the Accounts tab, a blue New Transactions banner shows, and a blue dot appears by specific account(s) with new activity.
  4. Once the transactions have imported, tap one to select it. 
  5. Choose a category (or adjust any of the other transaction info)
  6. Tap Approve (or Reject if it's incorrect). 
  7. Wash, rinse, and repeat until you've approved and categorized all of your transactions.
  8. When you're all done, tap Done to close out the "approve or categorize new transactions" screen. 

As you spend, you should still enter transactions in the mobile app! Once those transactions clear your bank and import, they’ll match right up (as long as they’re the exact amount and within 10 days of each other). You can also manually match an imported transaction with one you entered.

If this is an Investment or Loan account, see more information here.

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Linking an Existing Account

Have you already added the account in YNAB, but you need to link it back up to the connection? Maybe you've tried removing the connection as part of troubleshooting and you want to make sure that the accounts are linked back up correctly. Here's how! 

How to Link an Existing Account

  1. Reconcile your account. (This helps limit the possibility of duplicate transactions.)
  2. Tap the Accounts tab at the bottom of the app. 
  3. Select the specific account you want to link. 
  4. Tap the More button (three dots icon). 
  5. Choose Edit Account.
  6. Tap Link Account. 
  7. Follow the prompts to select the appropriate financial institution connection (or add a new one!).
  8. Select the corresponding account on the connection to link with.  
  9. Confirm the match between the accounts by tapping Next.
  10. Once you see the success message, tap Done

Having trouble linking an account?

Check out our troubleshooting article, but whatever you do—don't let it stop you from budgeting! Enter your transactions when you're on-the-go or try File-Based Importing on the web app. It's as simple as dragging and dropping a file into YNAB!

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