European bank sync for YNAB

How BudgetSyncer works

BudgetSyncer sits between your European bank and YNAB: it pulls transactions via PSD2 and imports them into YNAB. Transactions sync automatically on your chosen schedule (default twice per day; you can add or change sync times on the connections page). Exact local times are shown for your timezone. You can also start a manual sync anytime from BudgetSyncer. With Enable Banking there is no separate daily limit on user-triggered syncs (banks may still delay publishing transactions). BudgetSyncer uses stable bank transaction IDs so pending and booked versions of the same payment do not create two YNAB rows, and on reconnect it skips overlaps that already match date, amount, and payee in YNAB. YNAB also applies its own import ID rules when transactions arrive. For a deeper look at pending vs booked and reconnect overlaps, see /sync/budgetsyncer-duplicate-transactions.