Hacker News Reader

> you need to give YNAB your bank username/password

I am constantly amazed by the people that are willing to do this for various value-added finance sites; people that I would normally consider sane. Unless your bank provides (and you used) a read-only account authentication, if something goes wrong and your money disappears from the bank, the bank is going to tell you to take a hike. I can't imagine taking this kind of risk with my money.

View on HN

Sorry, but there’s no bank in the world that would tell you to simply “take a hike” if your password was breached and your money was stolen.

They will if you literally give your credentials to a 3rd party when they explicity say don't give out your details anywhere, only between you and your bank.

Giving away your password voluntarily and knowingly is not a breach.

For me, the username/password gives you read-only access and any kind of transaction requires 2FA.

Reply on news.ycombinator.com