I use YNAB and I like the product a lot. But I really wish they would rethink their brand voice. “Cheeky” is not the tone I want from the tool where I’m entrusting all my private financial info.
I would switch to another service if they had one that pulled in my transactions. Also, charging an 80% markup for paying monthly is really a kick in the teeth to people that don't have a hundred bucks lying around for their budgeting subscription.
You can import your own transactions, set up macros to login to your banks, or sync via simplefinbridge for $15/year.
I would recommend starting off with the free trial and paying $1.50/month for simplefinbridge syncing for a while to see if you like it. It took me maybe half a year before I decided this was it for me. You can even import from ynab!