A YNAB alternative for banks YNAB does not support

The short answer

When YNAB's Direct Import does not cover your bank, YNAB still works: you download files from your bank and import them in the web app or on an iPad. It will not read a PDF statement, and it keeps each plan in one currency.

If you want YNAB's method of giving every dollar a job before you spend it, stay with YNAB and use file import. If you mainly want to see where your money went across banks and currencies YNAB cannot reach, Pulget reads the statements themselves, PDFs included, without a bank connection.

What YNAB offers when your bank is not listed

YNAB's Direct Import connects to institutions in the US, Canada, the UK and selected European countries, and not to every bank in those places. Outside that list, File-Based Import is the route:

• It runs in the web app and on an iPad, not on iPhone or Android.
• It accepts CSV, OFX, QFX and QIF files and cannot read other file types, so PDF statements are not accepted.
• Categories written in your file are not imported. Since 14 September 2026, YNAB cleans up imported payee names and gives each transaction its payee's usual category, which you can change.
• A plan has one currency. For accounts in other currencies, YNAB recommends a separate plan per currency.

Last checked on 25 September 2026 against YNAB's help center.

How statement upload works instead

Pulget does not connect to any bank. You upload the statements and exports your bank already gives you, and Pulget reads them:

1. Upload a PDF, CSV, XLS, XLSX or DOCX file. Scanned PDFs are read with OCR.
2. Check the extracted rows in the import's review step, and correct anything read wrongly.
3. Approve them into the ledger. A row the account already holds (same date, amount and description) is skipped rather than added again, so overlapping statements do not count twice. Merchant cleanup matches raw descriptions against 887 known brands and assigns a category, and your corrections are reused the next time the same merchant appears.

After each import, Pulget also looks for transactions in different files with the same time, merchant and amount, and lists them under Duplicates in the Review inbox, where you merge them or keep both.

Each account keeps its own currency. Pulget converts every transaction into one reporting currency at the exchange rate for its date and keeps the original amount beside it, and you can set your own rate on a transaction. The multi-currency guide covers the details.

YNAB and Pulget side by side

Where YNAB is the better choice

• You want a plan for money you have not spent yet. Pulget has no budgets or envelopes; it shows what already happened.
• Direct Import covers your bank and you want transactions to arrive without uploading anything. Pulget is only as current as the latest statement you uploaded, and it shows no live balances.
• You want a phone app. Pulget works in a web browser and has no mobile app.
• Your banks export CSV or OFX and all your accounts share one currency. File import now cleans payees and fills in categories, so Pulget adds less; it matters most when the statement you have is a PDF, such as a Birbank statement, or your accounts are in several currencies.

If you are also weighing Copilot Money, which connects to US banks only, see a Copilot Money alternative outside the US.

Move your YNAB history into Pulget

YNAB exports from its web app:

1. Click your plan's name at the top of the left sidebar and select Export Plan. The plan and your transaction history download as two separate files; upload the transaction history.
2. To bring one account at a time, open that account in the sidebar, tick its transactions, then choose More and Export # Transactions in the action bar. Pulget files each upload under the account you choose, so one file per account keeps them apart.
3. For a currency written with a decimal comma, YNAB exports TSV instead of CSV. Open it in a spreadsheet and save it as CSV or XLSX first.
4. Upload the file to Pulget and choose the account. The Standard plan reads up to 1,500 rows per file, so split a long register by date range. The pricing page lists every limit.
5. Check the dates, amounts, payees and categories in review, then approve.

Last checked on 25 September 2026 against YNAB's help center. Menu names change, so YNAB's export guide is the reference.

Start with one statement

Pick the bank YNAB cannot import and upload one month of it. The review shows what Pulget read before anything reaches your ledger. Which files Pulget reads lists the formats and sizes.