Sync PBZ transactions to YNAB automatically

Connect your PBZ account through secure open banking — you authenticate at your bank, not with BudgetSyncer.

Connect your YNAB budget with OAuth so BudgetSyncer can import transactions into the accounts you choose.

BudgetSyncer imports new PBZ transactions into YNAB automatically. 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.

No manual CSV imports from online banking.

Less delay in keeping your YNAB budget current.

A simpler budgeting workflow — categorization and reconciliation stay in YNAB.

YNAB users in Croatia who bank with PBZ.

People tired of manual bank imports or broken Direct Import connections.

Anyone who wants automatic transaction syncing without storing bank passwords in a third-party app.

PBZ is one of the most searched banks among European YNAB users in Croatia. The budgeting method works — but keeping accounts current when your bank and YNAB do not talk to each other creates weekly friction.

YNAB does not offer Direct Import in Croatia at all. If you bank with PBZ and use YNAB, the default workflow is still manual: log into PBZ, download a CSV or OFX export, upload it to YNAB, and reconcile duplicates by hand.

Even when imports work, the process is fragile: export formats change, pending transactions appear twice, and your YNAB budget is only as fresh as your last upload. If you share a budget with a partner or track multiple PBZ accounts, the manual work multiplies.

BudgetSyncer is a YNAB-approved integration built for European YNAB users who want automatic bank sync without storing bank passwords. You connect YNAB once with OAuth, then authorize PBZ through regulated PSD2 open banking (via Enable Banking). BudgetSyncer reads transactions and imports them into the YNAB accounts you choose.

Your PBZ login never passes through BudgetSyncer — authentication happens on your bank's own secure consent screen, the same flow used by other open-banking apps in Croatia. Access is read-only: BudgetSyncer cannot move money or change account settings.

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. BudgetSyncer also focuses on keeping the feed from PBZ reliable, including notifications when bank consent needs renewal.

Step 1 — Create a free BudgetSyncer account and sign in. You can browse supported banks and connect YNAB before subscribing. No credit card is required to explore whether PBZ appears for Croatia in the bank directory.

Step 2 — Connect YNAB with OAuth. BudgetSyncer requests permission to read your budgets and accounts and to create transactions in the YNAB accounts you select. You can revoke access anytime from YNAB or BudgetSyncer.

Step 3 — Add a bank connection and select Croatia in the country picker. Search for PBZ. If your branch or subsidiary appears under a slightly different name, pick the listing that matches your account — open banking directories sometimes use legal entity names.

Step 4 — Complete PBZ's authorization flow in your browser. Your bank may ask you to confirm access in its mobile app or with strong authentication. Once approved, BudgetSyncer can read new transactions from the accounts linked under that connection.

Step 5 — Map each PBZ account to the correct YNAB account and enable sync when you subscribe. New transactions flow into YNAB automatically. Review imports in YNAB as you normally would; categorization and reconciliation stay in YNAB.

Bank connections run through Enable Banking, a PSD2-regulated provider. BudgetSyncer does not store your PBZ credentials. Consent expires under EU rules — when it does, you re-authorize through a short in-app flow.

You can disconnect PBZ from BudgetSyncer or revoke consent directly at your bank. We store only OAuth tokens and mapping settings needed to sync while your subscription is active, as described in our privacy policy.

Most users complete setup in under five minutes. After the first sync, check YNAB for imported transactions from PBZ and confirm payee names look right. You can adjust field mapping in BudgetSyncer if you want cleaner memos or payees.

Running a shared YNAB budget? One PBZ connection covers one bank institution login. You can map up to 4 bank accounts per institution connection. Extra bank connections each get their own mapping allowance. Map checking and savings to different YNAB accounts within that allowance without using an extra connection slot. Need another bank too? Each additional institution adds to your monthly bill. Cancel anytime from account settings; bank consent can also be revoked at PBZ directly.

If PBZ is not listed for Croatia, use the unsupported-bank form on this page — we track demand and expand coverage as Enable Banking adds institutions. Pricing starts at 4.99€/month for 2 bank connections (one institution each), with +1.00€/month for each additional institution. New subscribers get a 7-day free trial, so you can sync PBZ before the first charge and cancel anytime.