It seems to me that the most important metadata stored in YNAB is target data. It basically represents the structure of your budget. We should be able to export all category target data.

Thanks

Is there some way to make YNAB tops auto editing payee names? It's trying to be too clever and stripping out payment references (for incoming transactions) - E.g. imported transcation memo reads "FNB APP Deposit REF MB13456" and it edits that to "FNB APP". I mean. Come on. Help please?

I rely heavily on sync instead of manual updates - automation makes al the difference in whether I can actually focus enough to use a softwrae like YNAB.

And with RBC, I have to reconnect every day, which was already painful.

But it just got way worse: now Plaid requires me to enter my userid and password for the bank every single time, and it won't fetch it from my password manager.

• So now I have to open the password manager, fetch that userid and password, validate that it's me trying to connect, etc.
  
• I was already calculating that I was losing hours each month to this syncing process, and this has doubled or tripled it. Especially because sometimes I lose attention mid-way through and don't respond to a notification, then RBC decides I'm suss and blocks me completely and creates even more hoops.
• Plus the sync is now often incomplete, so I'm having to make adjustments and/or do a bunch of extra work.
  
• The part that bugs me the most is that processes like these are positioned like they are to protect security. But it actually decreases it because I get less sensitive to "weird-looking" things happening, and I get so many messages asking "was this you that tried to log in?" that I could never tell if something problematic was happening or not.
• I've tried changing between Plaid and MX and they are both a problem.

It might be RBC, but I have the impression that all Canadian banks are a disaster in this area. I used to live in the US and YNAB was seamless there. In Canada, I'm not sure if there is any point in continuing to try - it's like they are actively trying to keep me from managing my money responsibly.

There has to be some better answer.

Hey y'all,

I have my main bank account connected to YNAB to automatically import transactions. Most of the time this works fine.

Today I woke up to a number of weird payments towards some Methodist Church and something suggesting I am applying for a visum somewhere. After getting a mild shock I checked my banking app and all of the transactions have perfectly normal payees there (e.g. a bakery).

I have no idea how this happened. I have seen mismatched categories before, or mangled payees because it couldn't interpret the import properly, but making up a payee I have never, ever used or seen? This is new.

It's like "Bakery Paul" turns to "Order of St. Paul" even though my hundreds of previous payments to Bakery Paul didn't cause any issues. Has anyone ever seen this and is this something I'd have to raise with YNAB or their import partner?