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YNAB App Complaints & User Negative Comments 2024
YNAB app received 73 complaints, negative comments and reviews by users. Have you ever had a bad experience using YNAB? Can you share your negative thoughts about ynab?
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YNAB for Negative User Reviews
✓ Fortnightly lackingReally excited to get this app up and running - I have an itemised budget for every fortnight and so far it was pretty easy to upload! But I hit a snag with fortnightly bills. I have many expenses (eg insurance, gym etc) that are billed fortnightly. I’ve read posts online where employees of this app stated ‘we will never add fortnightly periods as we aim to get people out of the paycheque to paycheque attitude’. Noble philosophy, kinda condescending application of it. Lacking a super simple and straightforward function has derailed my process and made it pretty frustrating! I’ll continue trying to find a workaround, but again it’s just annoying not to have something so simple as repeating every x weeks, or fortnightly. Can only repeat monthly or yearly..Version: 3.2
✓ This app completely made me lose interest as soon as I reached the end of signing upTo think I’m downloading this to save money, budget, and track my spending just for it to tell me to pay for a subscription which is more than a Netflix subscription. $18.49/Month 124.96/year ???? I would much rather have ads in the app then pay for a monthly or year subscription. I get it you need to make money but I’m sure a lot of people can agree with me on this that ads would be more doable since not everyone can pay $18.49 a month before tax. This just doesn’t go right with your Moto of trying to help people save money..Version: 23.23
✓ Not FreePlease always let people know they have to subscribe.Version: 23.23
✓ Unauthorized billing is a no-go for meNot only does YNAB increase the price of its subscriptions, they send you an email informing you that you must accept the increase if you want your subscription to renew. If you dont accept, they charge you anyway. After several months of use, the application becomes cumbersome and slow. Calculations are not alwais 100% accurate..Version: 22.2
✓ No bank links in NZCouldn't setup a bank feed from any NZ bank to automate the analysis / budgeting. Without that it's too hard to use. Sorry.Version: 1.8.1
✓ First ImpressionsI just downloaded the app and can already see the cash management benefits. It took me 20-30 minutes to build my budget (might take less time for others depending on the level of detail), which in itself was an eye opening process as I became uncomfortably aware of how much I should be spending vs. my actual spending. So far, my biggest issue is the bank account linking. In order to be able to properly use the app, to-the-minute accuracy of the money available in your back account is crucial. My balance has been off since I linked my bank and does not reflect a recent paycheck. YNAB does have a list of banks on a “watchlist” for syncing issues but there are plenty of other apps out there -including free ones & those also using the Plaid system- that link without issue. As a result, I’ll probably have to use the manual/unlink option to record available cash. Depending on how cumbersome it is, will determine if I keep using the app after the free trial. Until YNAB resolves the linking issue, it would be better if they didn’t advertise bank-linking. As it stands, they’re setting an expectation that they can’t meet..Version: 23.10
✓ Direct imports don’t work properlyI’ve been with them for a couple of years now and direct imports regularly stop working and you won’t get any notification unless you go to the account page of the app. They then have no ability to tell you how much time it wasn’t importing transactions for or how many were missed. I’ve talked to multiple people in support about this who have all just said that actually I should be manually adding transactions anyway so this is actually a good thing. They’re all convinced this is a feature and not a giant glaring bug in their system. I’ve been hoping they might fix it but at this point I’ve given up. It’s a real shame, YNAB has everything I want from a budgeting app except that it doesn’t actually work! I’ve also had many issues with their system stuffing up my credit card budgeting, regularly telling me that I haven’t budgeted enough/budgeted too much for my credit card despite the fact I just budget for every transaction and it’s meant to transfer that budget to the card payment category for you..Version: 2.7
✓ A future subscriber, maybe..It looks like there’s been a lot of constructive criticism left here from Australian subscribers requesting fortnightly payment options and ability to import our transactions. I have gone through the reviews and can see these requests from as far back as over a year ago from a large amount of people. Never mind the ones who simply deleted the app and moved on with their lives. Instead of increasing prices over 120% and offering nothing new, which seems counterintuitive for a self-proclaimed customer-forward budgeting app, can I suggest you invest that money into the development of implementing this feedback. You will rake in a plethora of new Australian subscriptions, especially right now as the main budgeting app here (pocketbook) has just closed down. Food for thought...Version: 22.14
✓ Great method, just a few issuesThe YNAB method is excellent and really got my finances on track. I wish there was tiered pricing for those who don’t want to use auto import. Better reports in the app would be so nice as well!.Version: 23.23
✓ Way too expensiveGreat app but they're forcing people to pay a huge amount each year now for a service (ynab together) people dont want. I dont want to share my budget with anyone. Other people i know who use ynab dont want it either and the new price is ridiculous. Make two different subscriptions. 1- Regular, one login, cheaper plan. 2- Family Plan (ynab together) thats more expensive for people to share. Y'all dont even have Australian bank connections. Cmon!.Version: 23.8
✓ Great, but not perfectBecoming a YNAB-er and adopting the 4 rules completely changed my financial life. I sing its praises and have converted many people over the years. The last few updates on the app have really improved the overall experience. Here’s what I desperately want to see on the next update: 1. Open with TouchID/FaceID. I can’t stress how important this is, especially when other people borrow your phone to “browse the web”. 2. Towards end of the month, YNAB annoyingly automatically moves any unspent money to next month (before the month has even ended). I want to see what I saved by spending smartly over the month and I want it left in “To Be Budgeted (in Green). And then I want to decide where to budget that saving. 3. I have a complex budget. And I have a number of account (mixture of bank accounts, savings accounts and credit cards). One day I did a tally to add up what I had budgeted, and a total of what was actually in all the accounts (as shown on the left side of the web app), and I realised that the true balance was off by a few pounds. I want YNAB to smartly analyse my details and tell me if something is not quite right. Sort #1 out and I will change it to 5 stars immediately..Version: 2.6.1
✓ They don’t support AustraliaI’ve been a YNAB user for a while and do like the app. However I think it’s unfair that they continue to charge us the full price when we don't get the full service. I’m talking bank sync! They say that it might come soon but I don’t think they have any intent to do it. I was paying for a third party to provide the sync, so it is possible for them to implement it. YNAB just don’t care about their Aussie customers..Version: 24.3
✓ Imports DelayedThe automatic imports have been delayed for over a month now and I’ve had to input transactions manually which isn’t that big a deal, but gets annoying after a while. I would think for paying over hundred dollars a year it would be a little better than this, come on guys..Version: 23.23
✓ Add value in advance before asking people to commit!Asking people to commit to a trial in-App purchase before giving any value is a bit over the board. Especially that you need to go through the whole process of account creation to see that you only have one option to move forward and that’s committing to a trial that after 7 days will charge you $100 or so if you forget to cancel it in case you won’t want to use the app....Version: 2.4
✓ Remember why I deleted the first timeCategorizing transactions is so tedious especially when you cannot link your bank account. I was able to connect my credit card accounts which is great but once the payments showed up in my transactions I was forced to assign them to a category because it shows up as income to assign. The payments aren’t supposed to be counted towards income to assign, it’s already income I’ve spent on the CC payments. I’m trying to pay off debt. I also can’t reassign the transactions so I can’t delete the categories I moved them to so I would stop being promoted. I was trying to use this for flexible bi-weekly budgeting but it’s overwhelming. If you create a category but don’t create a goal for it any money in that category is labeled as over spending and the bright yellow alert at the top of your screen is annoying. You’ll also get enrolled in the daily emails even if you deselect to receive emails when you sign up. It’s easier to just have a couple separate banks accounts and give each account a purpose instead of using this. Also not clear how to cancel free trial or where to edit payment info. This does not show up in my apple subscriptions nor do I have an email confirming my subscription. I do not want to pay for this app.Version: 22.8
✓ Another greedy developer5 star features and concept 1 star value - recommend checking out their method for budgeting that’s a great idea. It’s available for free on their website recommend having a look. $120 AUD a YEAR for this app? For what? It’s a neat database entry system and nothing more. Pricing it based of average savings is ridiculous way to go about it. I think you could quite easily create your own version of this (to get your basic features) in google sheets for free. Look I like this app. It’s one of the most convenient apps of this kind. I bought the old version for $40 (or similar) and have been using it for over 5 years (maybe there was a paid upgrade there somewhere). That $40 works out to be $8 per year (and still counting until one of the software updates renders it unusable). How can a developer justify a more than 10x price hike with some features that they themselves mocked in their original budgeting method (bank import). Once the legacy version is no longer supported I will be looking for an alternative..Version: 2.3.1
✓ Spend money to save? No thanksSoo expensive! I’m trying to save money and they want to charge me over $100. No way. This should have been disclosed in the App Store..Version: 2.15.2
✓ Too expensiveI have been with YNAB on and off for years and it’s just now too expensive. At over $120 a year you really have to budget to pay for it. It’s fine if you have the spare cash and budgeting saves you money compared to before you budgeted but if you are budgeting because every dollar has to count then your money is best spent elsewhere. You could even watch all their videos, read all their articles and make up your own spreadsheet based on their methods, much cheaper. I will say they are true to their word. If you pay for a yearly subscription and find it is not for you, ask for a refund. It took less then a day and I had my money back, pro rata of course. Personally I could never get it to work for me. What ended up working for me (as in savings money, still yet to find good budget app) was Up banking (Aussie bank) and its many savers. Go Up!.Version: 3.3
✓ Underwhelming, lacking major budgeting infoFor all the resources this app has put into explanatory videos and the high rating it has, I think many people will be surprised by its clear weaknesses. There is a horrible lack of graphs and reporting of expenses. I really don’t understand why it can give you a clear summary of monthly spending or the progress of your track on that budget. Mint had its limitations and YNAB its upsides, but I very much preferred mint. YNAB please update the app with some basic monthly reporting options. How hard can this be?.Version: 24.2
✓ No fortnightly pay or payment provisionsUseless as a budgeting tool for some with it’s inability to handle fortnightly pay or payments. Deleted after an hour..Version: 3.1
✓ PriceThe price doubled overnight for what is a great app but not worth double the price..Version: 3.3
✓ Too ānalI'm not this ott to keep using it, besides thankful I can't link a bank account - that voids the terms with your bank!.Version: 23.23
✓ Few problemsIt gets confused because I’m paid in the middle of the month. I can’t work out how to preemptively pay myself at the start of the month and then I’m not sure how to allocate my income so that it shows up as a debit not a credit. So for half the month it always tells me I’ve overspent. Also at some point I over allocated a category. I’m not sure how to fix this and now it wants to always over assign $400 somewhere which is a pain and defeats the purpose of trying to draw up a zero sum budget..Version: 22.21
✓ Great idea but doesn’t workI love the idea of YNAB, but it’s so confusing to use especially if you get paid irregularly or have multiple incomes. Every time I add income and then allocated my budget it will give me a completely random numbers. I physically have my cash in my hands setting aside certain amounts for this and that, and then doing the same in the app, and it comes up with different numbers. I don’t understand why? Each time I use the app I have either more or less income than I know for sure I have?.Version: 3.1
✓ Now overpricedI have updated this review because I believe that the new pricing (Dec 2021) goes way beyond what is reasonable. Great budgeting system and apps but very limited reporting facilities - and that subscription price OUCH! This is a game changing update - and a great platform for good things to come. We cannot bank sync here in the U.K. so that side of the update leaves me cold. That apart, I now have great confidence in using iPhone/iPad to do almost any aspect of my budgeting. The overspending alert is particularly good. If I could reconcile accounts on mobile the app would be pretty much there (for me).Version: 3.6.0
✓ Egregious price increaseFor someone locked into the lifetime price of $45, I’m appalled that now I have to pay twice that amount annually to continue this service when I don’t even use all of its features (e.g., syncing, online support, videos)..Version: 3.3
✓ Love it but...I have used YNAB for a long time (since the desktop version), and I think it is great. However, as an Australian user I am now charged a hefty annual subscription but have no bank feed imports. The manual entry is time consuming and I am not getting what I’m paying for. I think it’s time to move on sadly... YNAB I waited a long time hoping you would come to the party and give Australian users bank support (or a discount on subscription) but it still hasn’t happened..Version: 2.10
✓ Not freeRidiculous short trial.Version: 23.23
✓ Wouldn't even consider using it at no cost.Attempting to utilize YNAB since January 2nd, I have consistently encountered an error while trying to connect my bank account, even after 40 days of usage. The customer service is unaware of the problem. Mint had no problems importing bank transactions..Version: 24.1
✓ Insane pricingA year has gone by, and nothing has changed except the colour of the application, so, my review doesn’t change either: Even if you put aside the customer-hostile way this company doubled their prices overnight with no more notice than a matter-of-fact splash screen on the app followed by ignorance of any and all customer feedback, this is hugely overpriced. Years in, and instead of offering a tiered system which would save expense for users, they charge extortionate prices for training, courses, bank syncing and more that many people will never use again once they learn the software. Damn it, give us ynab basic for half the price and I can stop being bitter every year when you ruin my Christmas. You’re a budgeting software, not an office suite (by the way the whole of MS office 365 costs less per year than this). Madness..Version: 23.23
✓ Don’t bother if you have debt.If you have significant debt you’re trying to pay down this app is super confusing and it’s a hot mess with all the alerts. I’m sure the app works just fine if you don’t have debt. I miss mint :(.Version: 23.22
✓ One time fee > SubscriptionThe irony is a monthly subscription for a budgeting app is not in the budget..Version: 3.3
✓ YNAB got greedyI've used YNAB for years, first on the old desktop version and then on my iPad and iphone using the apps. Just gone to check my annual renewal price, which was supposed to be "fixed for life" when I upgraded from the old desktop version, only to find its no longer fixed for life and now twice the price! With no warning! I'm glad I checked or I'd have been seriously out of pocket. How can a company who claim to be all about saving money and using your money sensibly justify a 100% fee increase? They can't. This is nothing but greed..Version: 22.14
✓ Cant sign upI was excited to use this app. However, downloaded it and straight away it just says "sign in" with no option to even sign up? Tried googling it to see if you had to sign up outside of the app but nothing. Please help?.Version: 1.5
✓ Does not support Canadian banksIf I pay it needs to support TD or HSBC which is not the case here.Version: 2.9
✓ Did not accept appI got charged for a year without accepting and cannot get a refund. This cost me over 100$ for The year that i have never approved. Nor have i usred IT Not impressed.Version: 23.23
✓ YnabWorks well once you have set up on Web page first.Version: 1.7
✓ Useless - literallyCan't sign in or create account. The website is just as unhelpful. NZ Herald you shouldn't recommend and without testing them first.Version: 1.5
✓ Problematic appThis is a problematic application - basic functionality is great but there is so much to dislike. The app is nowhere near as feature rich as the web app, with simple things (like viewing next month's budget) not available. But then again it is nowhere near as slow as the web app which has some real performance issues, especially at login (regularly over 40s). It is also not very friendly for Australian users, not allowing them to automatically load bank statements as advertised and with no plans to allow this for the Australian market.Version: 24.1
✓ Price increaseThe recent massive price increase makes this app not worth the money for what they are asking. The features aren’t good enough. Cancelled my sub..Version: 3.3
✓ Day 1 and frustratedI really liked the idea of this app. I signed up for a trial subscription. So far I’ve found this pretty frustrating. It’s very glitchy. You add your accounts by signing into them, but then you need to go an additional step and add them...annoying. I have accounts at Capital One. I spent the better part of an hour trying to link the accounts on and off, getting an error message with a message telling me it’s a temporary problem try again later, then I finally found some info within the app that there is a known issue with connecting/linking to Capital One, and it’s been an issue for many months possibly a year. So, that’s just bad business not to let me know that; turns out I’ll need to export a quicken form from my Capitol One accounts to add it to YNAB app; I’m not know for my record keeping which is why I Need A Budgeting APP that works seamlessly. I’m not impressed, I’m a fool with my money, but at least I’ll deeply consider spending $84 for a year or $12 a month for this glitchy app. I’ve been using Truebill which woke me up but doesn’t have the tools for budgeting I need like this app, so I’m disappointed. I had no problem at all connecting my account to Truebill including my Capital One account. Oh, I want to mention: I sent an email to CS about Capital One and adding my accounts and the reply is that they will get back to me in 24 hours. Yeah, this isn’t looking good..Version: 2.13.3
✓ Price in CanadaThey’ve hiked the price. And don’t offer Canadian dollar subscriptions, so it’s around $130 CAD per year. Crazy..Version: 3.6.0
✓ Not sure anymoreI've purchased two YNAB desktop applications so far. With the 2nd one (YNAB 4) I started using the cloud syncing and I really liked it. But two days ago my mobile app stopped syncing. I tried everything and was forced to download it again, only to find out that you now have to pay a subscription for an account? What about the fact that I purchased the software already? No discount for loyal customers? I don't mind paying for value but I would appreciate having a choice. Please correct me if I missed something..Version: 2.0.3
✓ ExpensiveI’ve been using YNAB since 2010 ish in its various forms. Have loved it. Switched over to the new system 2 years ago. However they have just increased the subscription price and the exchange rate from USD makes this app very expensive for something that’s supposed to help people struggling with their debt. I don’t think I’ll be renewing my subscription in January..Version: 3.3
✓ It’s OK, does the jobSwitched over to YNAB from Mint after they shut down. While YNAB is easy to use and has better support for transaction import, it lacks flexibility to budget the way you want to. The app relies on cash inflow, assignment of cash, and availability of funds to manage the budget - it’s more like cash flow management than budgeting. I make it work and just don’t pay attention to the available amounts. I would like to see a view where it simplifies things down to just activity and compare that to what you set out as the budget for that type of spending, similar to what Mint did very well..Version: 24.2
✓ Too expensiveI’ve been with YNAB for many years, from years before the subscription model came in. I stayed when it switched to web only and I stayed when the subscription model came in. However with the cost of the subscription now going up to a ridiculous amount I have cancelled my subscription and am looking elsewhere. It’s just too expensive and unfortunately the functionality isn’t keeping up with the cost. I use my bank app and their tools far more these days and that one is free!.Version: 23.4
✓ LolFind it funny that you have to pay 124$ for an app meant to help you save money.Version: 3.5
✓ Waste of timeCan’t sign up. The first screen says sign in with apple, google, email etc where how do I sign up in the first place?.Version: 23.23
✓ Expensive budgeting for gullible peopleHundreds of dollars for software that never changes. Think about it. The only thing you’re paying for is their marketing campaign, the developers to change the colour of the buttons every six months, and a guy to respond to negative reviews. You’d be a fool to not try any of the excellent free and cheaper options before considering this..Version: 3.3
✓ Great app but not for AussiesThe main thing separating YNAB from other budget apps is that it can link to your bank accounts and track transactions. However, if you’re not in the USA or EU, this is not an option and you have to enter transactions manually. Manually tracking transactions makes it difficult to justify the cost of the app—where you could just track in an Excel for free, or even use Buddy for a fraction of the price). There is also no option for fortnightly budget. Only monthly or weekly..Version: 23.6
✓ An app that supports PC financial... ButNo wealthsimple support unfortunately, so useless to me. Hopefully that gets added soon, then I'll be back!.Version: 23.23
✓ Price increase is a jokeI can understand price increases can be necessary sometimes, but to nearly triple the monthly sub price in Canada is just a bad idea. Was going to resubscribe but after seeing the price increase I uninstalled it and am looking elsewhere..Version: 3.6.0
✓ BS misleading tacticsApp might be good but I’ll never find out cuz you put a paywall behind it and didn’t tell until AFTER I gave you my personal info so thanks for your dishonest, shady tactics! Hope you shut down.Version: 2.11
✓ Careful before you buy- good for single account low transactionsThis app seemingly is good for someone with one or two accounts and a level of transactions that they are comfortable going through all the time and comparing with YNAB Vs your account ledger. IMO, this app is an electronic way to balance a check book, nothing more. I made the mistake of adding all of my cash accounts and credit card accounts since I liked the function of credit card spend automatically going to your budget. However, the transferring around of money from one account to the other when paying is a nightmare in how it affects your “budget” on the application. Additionally, the auto function of reconciling accounts never works and my accounts were inaccurate most of the time. Another big problem with multiple accounts and banks is there is always connection issues that are blamed on the bank yet I ran mint along side and never had issues with Mint on same accounts. 30 day trial is NOT long enough for you to realize all the issues you will have with this application. Apple will NOT refund your $90 and YNAB will point you back to Apple. Be very careful on this tool, Mint is far better in every aspect and doesn’t cost you a dime..Version: 2.6.3
✓ Not recommendedI don’t get the five star reviews: - App is completely overpriced at about $130 CAD annually - App is overly complicated - Simple excel sheet + using this app’s free trial together teaches you how to do this on your own with the excel sheet so why pay so much for this when can just learn from free trial then use on excel sheet I don’t know… I just don’t get the hype around this app..Version: 23.23
✓ Offensively large price increase! (Canada)Well I’m out — the new price structure is a real slap in the face - north of $20 per month in Canada. I don’t know how YNAB did their price benchmarking and thought that increase could be born by their subscribers. The value just isn’t there for that amount of money. Do better YNAB!.Version: 3.6.0
✓ Doesn’t keep promisesSeveral years ago, YNAB promised lifetime pricing for legacy users. They have not followed through on this promise, and have not responded to their users complaints about this issues. I used to think YNAB’s business practices stood apart from other organizations - I’ve since found out that they’re no different..Version: 3.3
✓ Can't set upTried using app but can't set it up. Goes straight to log in screen which is pointless when nothing is registered..Version: 1.5
✓ Numpad layout is a step backwardsThey’ve gone backwards with the design of the numerical pad when entering transactions. The design is the complete opposite of every other numpad in iOS. Also would like the option to reconcile balances..Version: 2.2
✓ UnusableNot sure what changed in the last update but last week I signed up using Apple login to check out the app but decided to try other options first considering the unreasonably high subscription price and the face that I couldn’t link NZ banks - so I uninstalled the app. Today I returned to give the app a 2nd chance but I can’t sign in as it says there’s no associated account and I can’t sign up either - seems like an issue that’s been going on for a long time. Fool me twice, and so on….Version: 22.2
✓ Raising PricesI love YNAB, I really do… I could leave a 5 star review with six paragraphs on how much I enjoy the budgeting feature on the app. However, the upcoming raise in price is seriously forcing me to consider finding another budgeting tool. YNAB might consider me not “core” enough for their offering and an unwilling subscriber that they are willing to lose…. That’s not the case, I’ve had the tool for years and I use it everyday. I’ve even brought in over 3 of my friends to be full time subscribers (the most difficult sell for them was of course the monthly subscription). Can I do almost everything YNAB does in a free Google sheet? Yes, I can. Does YNAB truly offer $15 worth of value each and every month? I’m not sure. Prices have remained the same since 2017, so am I to expect a $5 increase in price every five years? I understand inflation causes prices to rise to even our digital goods, but I fully expect the value of those goods to rise as well. YNAB’s recent feature releases (and roadmap as far as I can tell) do not reflect the increase in price, What new features and functionality and I paying for this team to build? Please be careful YNAB Team, or your app will quickly outprice itself in a very competitive mobile budgeting field..Version: 22.7.1
✓ Too expensiveThe price jumped by $25 this year. I am not willing to pay for this much money for budgeting software..Version: 3.3
✓ Not sure what happened…This app was a lifesaver for me getting my budget on track. At first I was intimidated with the expense categories and wondering how in the world I was going to manage it. I shifted my mindset to treating each expense as a virtual envelope of cash and for some reason, that just made everything click. Why the 3-star review? I’ve been using YNAB daily for the last 18 months and for me, an important feature of YNAB was the ability to sync with all of my accounts (checking, savings, credit cards, etc.). I bank with USAA and for whatever reason, the last couple of months has been a noticeable delay of 3 or 4 days before transactions sync to YNAB. This delay makes it impossibly difficult to keep tabs on my budget in a timely manner. I’ve done every troubleshooting recommended, multiple times, from unlinking and flat out deleted the accounts and adding them back in. Note: this sync delay is not periodic, it’s CONSISTENTLY delayed. Bottom line: if the solution is to manually add transactions or deal with the delay, then this will be my last annual renewal with YNAB. It really was the perfect budgeting tool for me, but with no effective syncing capability, YNAB is only worth a quarter of the 100 bucks annually to subscribe..Version: 22.17
✓ YNAB don’t care about UK customersThe UK has had open banking since January, and still, direct import is not available for UK customers. Making this available should be a top priority for YNAB, in order to retain their UK customers, who right now feel completely neglected and ripped off, as they are paying the same amount as US/Canada customers, for a much lesser service. If they still can’t be bothered to implement it, at the very least, they should offer UK customers a discount, instead of shamefully charging them the same so they can fund direct import features for other countries. YNAB forums are filled with others who are disappointed in this, and it is increasingly obvious that UK customers have had enough of this situation and are moving to other apps at a rapid rate..Version: 2.5.1
✓ Great Software, Not worth the Price nowI love this budgeting app. I’ve used it before it was even a subscription model and have stuck with it for so many years (I want to say over 8 years?). It has helped tremendously with tracking my finances and the app is slick and easy to use. Unfortunately with the new price, my monthly cost was going to go from $8.99 a month to $18.49 a month. It’s an insane jump in price and I just can’t justify it. As much as I love YNAB I’ll be looking into other apps or systems..Version: 3.6.0
✓ Connector doesn’t seem to work well with Canadian InstitutionsConnector breaks and loses connection after a couple of days. YNAB has been great to try and fix and ultimately it works again. But it breaks again a few days later. I don’t have this issue with Mint (connector still works). The software is great though..Version: 24.3
✓ Good design, poor UK supportThe app and website work well, are continually updated, and very slick. The YNAB budget logic is a bit unorthodox, and can’t really produce a clear expenditure vs budget report (as it requires you to continually revise your budget to match actual expenditure) but is clearly explained and will work particularly well for people carrying credit card debt from month to month. My one real complaint is the support for direct import from UK accounts. This has actually declined over time, rather than improving, with support for HSBC and AmEx UK both being withdrawn over the past year or so. They haven’t really updated their advertising to reflect this gap..Version: 2.7.1
✓ Bank sync is for US and Canada onlyI have been using the old version of the app a few years ago on desktop and was really looking forward to get back into budgeting on my phone because who uses desktops anymore. However I had to spend time to download the app, create an account and start a free trial just to find out that bank sync available only in US and Canada. This hasn't been mentioned anywhere obvious before. Now I need to spend time to figure out how to cancel the free trial and not be charged. I know there is an option to enter transactions manually, which iirc from previous experience was promoted in the training videos for more mindful spending. I don't need this level of control over my spending and I used to do weekly csv imports from all my accounts into desktop version before. This is obviously not a reasonable workflow for a mobile experience. Overall this app feels like a waste of time for someone in the UK and I will be looking for an alternative with open bank sync which there are plenty to choose from..Version: 3.0.1
✓ Ridiculously unintuitive UI. Can’t add bi-weekly options.For the price they want you to pay, this app doesn’t even come close to having value. I could make an easier system on excel than how this app operates. Way too confusing to figure out..Version: 23.23
✓ Useless for CanadiansDOES NOT SYNC TO MAJOR CANADIAN BANKS. Get ready to spend way more time that you can’t spare on updating your YNAB budget. Once you subscribe you’re stuck with it..Version: 2.15.2
✓ Just doubled my priceDiscovered that as of December 1, 2021 that they are doubling the costI have to pay for the product. No email, no announcement, just a FAQ on their webpage I heard about through social media. They just lost this 4+ year customer..Version: 3.3
✓ Suspicious bank activity - coinscidence?Downloaded this app on the recommendation from my Facebook moms group. Set it all up and linked my bank account after reading a few articles and reviews raving about this company’s security measures. That same night I get a notification that someone tried to log into my online banking but failed to answer the security question. I have been using online banking for over ten years and this is the first time anything like this has happened. I’m sorry but a bit too much of a coincidence. Unlinked bank and deleted app. I’ll use excel to track my spending..Version: 2.14
✓ Disconnected from customersPros: a good platform, good logical budgeting Cons: pricing is flat out unfair. Doubled prices two years ago, and then was tempted to stay with misleading information regarding direct imports to the australian market coming soon. Equal pricing over all services, despite direct import not actually available to customers is a rort. Do not expect customer service to work with you as a loyal customer of six years- there is a company line and that will be stuck to under all circumstances..Version: 23.23
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