I'm a YNAB user in the UK, where auto-import isn't really practicable because banks refuse to guarantee you against fraud if you give our your online banking details to anyone else, including YNAB. That should change this year because they're being forced to allow customers to use that data: https://www.openbanking.org.uk/home/what-is-open-banking/ However, I've actually found it very useful to spend time manually entering my transactions because it's given me a much keener understanding of my finances. Having said that, I've got as much out of that as I'm going to now so I'm looking forward to being able to do auto-import.
I do auto-import in the US and it's pretty nice. I still manually enter in things at the end of the month (otherwise they might not clear for a few days and eat out of the next month's budget). But it does a good job of recognizing when it auto-imports a transaction you already entered manually so you don't get duplicates.
Open banking seems like some insane idea passed on the nod by well-off MP's who probably have no idea about how to make sure banks properly look after the average tommy Atkinson customer
