Up Bank to YNAB Sync

Automatically sync transactions from Up Bank (Australian digital bank) to YNAB (You Need A Budget) using Cloudflare Workers.

Features

• 🔄 Real-time Sync: Webhooks automatically sync transactions as they're created and settled
• 🔒 Secure: API key authentication and webhook signature verification
• 🚫 Duplicate Prevention: Smart import_id handling ensures transactions aren't duplicated
• ⏰ Scheduled Sync: Hourly cron job syncs the last 30 days to catch any updates
• 🗺️ Account Mapping: Map multiple Up Bank accounts to YNAB accounts
• 📅 Date Control: Configure the earliest date to sync from

Prerequisites

• An Up Bank account (Australian bank)
• A YNAB account
• A Cloudflare account (free tier works)
• Bun installed locally

Setup Instructions

1. Get Your API Keys

Up Bank API Key

1. Visit https://api.up.com.au/getting_started
2. Create a personal access token
3. Copy the token (format: up:yeah:...)

YNAB Personal Access Token

1. Visit https://app.ynab.com/settings/developer
2. Click "New Token"
3. Enter a token name (e.g., "Up Bank Sync")
4. Copy the generated token

2. Clone and Install

git clone https://github.com/timoconnellaus/up-to-ynab
cd up-to-ynab
bun install

3. Configure Environment Variables

Copy the example environment file:

cp .dev.vars.example .dev.vars

Edit .dev.vars and add your API keys:

UP_BANK_API_KEY=up:yeah:your_up_bank_api_token_here
YNAB_PERSONAL_ACCESS_TOKEN=your_ynab_personal_access_token_here
API_KEY=your_random_api_key_here  # Generate any random string (mash the keyboard for 20-40 chars will do)

4. Start Local Development Server

bun run dev

The worker will be available at http://localhost:8787

5. Get Your Account IDs

Find Up Bank Account IDs

curl -X GET http://localhost:8787/up/accounts \
  -H "Authorization: Bearer YOUR_API_KEY"

This returns a list of your Up Bank accounts with their IDs.

Find YNAB Budget and Account IDs

curl -X GET http://localhost:8787/ynab/info \
  -H "Authorization: Bearer YOUR_API_KEY"

This returns your YNAB budgets and accounts with their IDs.

6. Configure Account Mapping

Update the ACCOUNT_MAPPING in .dev.vars to map your Up Bank accounts to YNAB accounts:

ACCOUNT_MAPPING={"up-account-id-1":"ynab-account-id-1","up-account-id-2":"ynab-account-id-2"}

Example:

ACCOUNT_MAPPING={"da764e70-593f-420a-82c9-430d24f653e6":"bb784a57-ae94-442c-b405-162b46bb844b"}

Also update YNAB_BUDGET_ID with your budget ID from step 5.

7. Set Sync Start Date

Set the earliest date you want to sync transactions from:

SYNC_START_DATE=2025-10-01

Transactions before this date will never be synced, even if you run manual syncs.

8. Deploy to Cloudflare Workers

bunx wrangler deploy

After deployment, note your worker URL (e.g., https://up-to-ynab.your-subdomain.workers.dev)

9. Update BASE_URL

Update .dev.vars with your deployed worker URL:

BASE_URL=https://up-to-ynab.your-subdomain.workers.dev

10. Set Up Production Secrets

Set your secrets in Cloudflare Workers:

bunx wrangler secret put UP_BANK_API_KEY
bunx wrangler secret put YNAB_PERSONAL_ACCESS_TOKEN
bunx wrangler secret put API_KEY
bunx wrangler secret put YNAB_BUDGET_ID
bunx wrangler secret put BASE_URL
bunx wrangler secret put SYNC_START_DATE
bunx wrangler secret put ACCOUNT_MAPPING

11. Create Up Bank Webhook

curl -X POST https://up-to-ynab.your-subdomain.workers.dev/webhook/create \
  -H "Authorization: Bearer YOUR_API_KEY"

This will return a webhook secret. Save it immediately - it won't be shown again!

12. Add Webhook Secret

Set the webhook secret in Cloudflare:

bunx wrangler secret put UP_WEBHOOK_SECRET
# Paste the secret when prompted

Also update your local .dev.vars:

UP_WEBHOOK_SECRET=your_webhook_secret_here

13. Initial Sync

Sync your existing transactions:

curl -X POST https://up-to-ynab.your-subdomain.workers.dev/sync \
  -H "Authorization: Bearer YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{"startDate": "2025-10-01"}'

How It Works

Automatic Sync (Webhooks)

• When a transaction is created in Up Bank, a webhook triggers and syncs it to YNAB
• When the transaction settles, it updates the existing YNAB transaction to "cleared" status
• Duplicate detection ensures the same transaction isn't created twice

Scheduled Sync (Cron)

• Every hour, the worker syncs the last 30 days of transactions
• This catches any manual updates you make in Up Bank (like editing descriptions)
• Duplicates are automatically skipped

Manual Sync

Use the /sync endpoint to manually sync transactions from a specific date:

curl -X POST https://up-to-ynab.your-subdomain.workers.dev/sync \
  -H "Authorization: Bearer YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{"startDate": "2025-10-01"}'

API Endpoints

GET /up/accounts

List all Up Bank accounts with IDs

Auth: Required (Bearer token)

GET /ynab/info

List YNAB budgets and accounts with IDs

Auth: Required (Bearer token)

POST /webhook/create

Create an Up Bank webhook pointing to this worker

Auth: Required (Bearer token)

POST /webhook

Receive webhook events from Up Bank (called by Up Bank, not you)

Auth: Webhook signature verification

POST /sync

Manually sync transactions from a specific date

Auth: Required (Bearer token)

Body:

{
	"startDate": "2025-10-01"
}

Troubleshooting

View Logs

Watch real-time logs from your deployed worker:

bunx wrangler tail

Webhook Not Working

1. Check webhook signature is set correctly
2. View webhook delivery logs in Up Bank API
3. Check worker logs for errors

Transactions Not Syncing

1. Verify account mapping is correct
2. Check that transactions are after SYNC_START_DATE
3. Ensure Up Bank accounts are mapped in ACCOUNT_MAPPING

Development

Local Development

bun run dev

Type Generation

After modifying wrangler.jsonc:

bun run cf-typegen

Testing

bun run test

Deployment

bun run deploy

License

MIT

Contributing

Pull requests welcome!