Sync credit cards to YNAB

Open banking does not guarantee that every credit card product appears as a syncable account. Some banks expose card accounts alongside current accounts; others only return checking and savings. BudgetSyncer shows the accounts your bank returns after consent — we cannot invent a card feed the bank does not provide.

After you authorize, check the mapping screen. If a credit card is listed, map it to a YNAB credit card account (not a checking account) so balances and payment flows stay correct in YNAB.

Create or select a credit card account in YNAB for that card. In BudgetSyncer, assign the bank card account to that YNAB account and enable sync. You can map up to 4 bank accounts per institution connection. Extra bank connections each get their own mapping allowance.

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).

Pending authorizations, rewards, and installment plans may look different from how they appear in the bank app. Some banks delay card postings; a manual sync will not create transactions the bank has not published yet.

If your card never appears after authorize, that is usually a bank open-banking limitation — not a BudgetSyncer setting. You can still track the card with CSV or manual entry while syncing other accounts automatically.