u/togogh

I’ve never used bank syncing because I’ve never lived in a country that supported it. It’s always been manual transactions for me all the way.
I’m currently building a multicurrency alternative to YNAB, and I’ve been debating whether I should add bank syncing or not. The reasons I’m hesitant are:

• Bank syncing services are expensive and region dependent. So i would have to use several of them if I want to support the US and EU, for example. And the more services there are, the more expensive the app would be. I think this is one of the main reasons YNAB has increased its subscription price lately.
• It feels like a good chunk of the issues people are having with YNAB are related to bank syncing, like transactions coming in late or getting miscategorized. So i’m worried that adding it will also add a lot of chaos.
• Like I said, it’s never been useful for me because of where I live, so it’s always felt a little unfair that I still had to pay for a feature i couldn’t use.

So i’m trying to figure out, how important of a feature is it to most people really? Is it a dealbreaker to not have it? Or would you rather have it even if it means paying more?