Works with YNAB — You Need A Budget
Sync your bank to YNAB automatically
YNAB (You Need A Budget) is one of the world's leading budgeting apps. BudgetSyncer automatically syncs transactions from your European bank into YNAB — approved by YNAB, set up in 3 minutes. Start with a 5-day free trial, cancel anytime.
Approved by YNAB • 5-day free trial • Open Banking • GDPR • Operated by Dawnode Oy
GoCardless Open Banking2,500+ banks supportedBank-level encryptionWhy people trust BudgetSyncer
- Approved by YNAB
- Secure bank connection through open banking
- BudgetSyncer never sees or stores your online banking password
- Built specifically for European YNAB users
- Operated by Dawnode Oy
BudgetSyncer is now YNAB-approved
BudgetSyncer has been approved by YNAB as an integration, meaning it has passed YNAB’s review process.
Together with secure open banking connections and a clear privacy policy, this gives you a more transparent and trustworthy way to connect your bank accounts to YNAB.
What is YNAB?
YNAB stands for You Need A Budget — one of the most popular and highly rated budgeting apps in the world. It uses a simple zero-based method where you give every euro a job, so you always know what your money is for.
BudgetSyncer is built to work alongside YNAB: it automatically brings your European bank transactions into your YNAB budget so you spend less time on manual imports.
How it works
Connect your bank securely
Authorize your European bank account through secure open banking
Connect your YNAB budget
Link BudgetSyncer to your YNAB account with OAuth
New transactions sync automatically into YNAB
Transactions flow to YNAB twice daily — YNAB deduplicates on import
No manual CSV imports. No repeated handwork.
BudgetSyncer is for you if…
- you use YNAB and your bank doesn’t import cleanly
- you live in Europe and want less manual work
- you want your budget to stay up to date automatically
Trusted by YNAB users across Europe
Automatic bank-to-YNAB syncing powered by GoCardless Open Banking so you can focus on your budget, not data entry.
- 30+
- Countries covered
- 2,500+
- Banks supported
- < 5 min
- Setup time
- 2x daily
- Sync frequency
Everything you need, nothing you don't
Connect once, then let BudgetSyncer handle the rest.
- Hands-free sync
- Transactions flow from your bank to YNAB automatically. No exports, no uploads, no manual work.
- YNAB handles deduplication
- Transactions are imported into YNAB with stable IDs. Duplicate detection stays in YNAB — BudgetSyncer focuses on reliable bank sync.
- Your rules, your data
- Map bank fields to YNAB however you like — payee, memo, reference. You decide what shows up.
- 30+ countries
- Works with thousands of European banks through GoCardless open banking. Chances are, yours is on the list.
Why choose BudgetSyncer?
Purpose-built for European YNAB users who want reliable, automatic bank syncing.
- Built for European banks
- Designed from the ground up for European banking — supporting SEPA transactions, local bank formats, and region-specific quirks that generic tools overlook.
- PSD2 open banking
- Connects through regulated open banking APIs via GoCardless. Your bank credentials are never shared — access is granted through your bank's own secure flow.
- Scheduled automatic sync
- Bank transactions sync to YNAB twice per day. YNAB handles duplicate detection on import — BudgetSyncer keeps the feed flowing.
- Custom field mapping
- Control exactly how bank data appears in YNAB. Map transaction fields to payee, memo, or reference — your budget, your rules.
- Indie-built with responsive support
- Built and maintained by an independent developer who uses it daily. Questions and issues get personal attention — no ticket queues or chatbots.
- Affordable pricing
- Simple monthly pricing: one base plan covers your first bank, with a small add-on per extra institution. Map multiple accounts to YNAB within one connection. No hidden fees.
Bank guides for YNAB
Step-by-step guides for connecting popular European banks to YNAB — no CSV imports.
Security & privacy
Connecting your bank account is a big step. Here's how BudgetSyncer keeps your data safe and gives you full control.
PSD2-regulated via GoCardless
Bank connections are handled by GoCardless Open Banking, a PSD2-regulated provider authorised by the FCA. BudgetSyncer never touches your bank credentials directly.
No bank passwords stored
BudgetSyncer never asks for or stores your bank login credentials. Authentication happens directly with your bank through secure open banking APIs.
Revoke access anytime
You can disconnect your bank at any time from within BudgetSyncer or directly through your bank. No lock-in, no questions asked.
Your data stays between you and YNAB
BudgetSyncer accesses transaction amounts, dates, descriptions, and account balances — solely to sync them to YNAB. No data is shared with third parties beyond YNAB.
Indie-built by Tommi
BudgetSyncer is independently built and operated by Tommi — a professional Finnish developer and YNAB user. No venture capital, no data monetisation, just a tool built to solve a real problem.
Read-only bank access
BudgetSyncer can only read your transactions and balances. It cannot move money, make payments, or modify anything in your bank account.
Questions? Get in touch
Have a question about BudgetSyncer, need help getting started, or want to share feedback? Reach out directly.
admin@budgetsyncer.comTypically replies within 24 hours
Pricing
Why pay for BudgetSyncer?
Because it saves manual work, keeps your YNAB budget up to date, and is built specifically for European bank syncing.
- Approved by YNAB
- Secure bank connection
- 5-day free trial
- Cancel anytime
includes 1 bank connection (one institution, all accounts from that login)
A bank connection is one institution you authorize via open banking — for example Nordea or ING. All accounts returned from that login (checking, savings, and others) can be mapped to different YNAB accounts within the same connection. Each additional institution beyond the first adds to your monthly bill.
+1.49€/month per additional connection
- Automatic sync to YNAB
- Custom field mapping
- Cancel anytime
Examples
- 1 connection4.99 €/month
- 2 connections6.48 €/month
- 3 connections7.97 €/month
Create a free account to browse supported banks and connect YNAB. New subscribers get a 5-day free trial — subscribe to link a bank and sync transactions. No credit card required until checkout.
No credit card is required to sign up or check bank support. Payment is collected at Stripe Checkout when you choose a paid plan. First-time subscribers get a 5-day free trial before the first charge.
Invite friends: they get 10% off their first month; you save up to 50% on your plan while friends stay subscribed. Available in your account after signup.
Already have an account? Sign in
Frequently asked questions
Everything you need to know about connecting your bank and syncing to YNAB.
Ready in under 5 minutes
Three steps. That's all it takes. Invite friends for 10% off their first month.
Create an account
Sign up and connect your YNAB budget in seconds.
Link your bank
Choose your bank and authorize via secure open banking.
Sit back
Transactions sync automatically. Your budget stays current.
Try BudgetSyncer free for 5 days — no charge until your trial ends, cancel anytime.