Step 1
In YNAB on the web, open your plan menu and choose Export Plan. You can also select transactions in an account or All Accounts, then use More and Export Transactions.
Step 2
If the download is a ZIP, extract it first. Choose the Register CSV or TSV containing Account, Date, Payee, Category Group, Category, Memo, Outflow and Inflow. Do not upload the Plan or Budget allocation table. Keep all split components and both sides of transfers when available.
Step 3
Check the dates and currency before uploading. Add a Currency column containing your YNAB plan currency, or select a Clover account with that currency. Clover cannot distinguish USD from CAD or other dollar currencies from a $ symbol alone. Use YYYY-MM-DD dates; if dates are ambiguous, add Date Format with DMY or MDY.
Step 4
In Clover, select the Profile that should receive the history. Open Add Transaction, select Upload and choose your transaction file.
Step 5
Check the new transactions and account assignments before uploading another date range.
Common questions
What happens to transfers, flags and starting balances?
Transfer payees named Transfer : Account stay transfers. Clover imports only the legs present in the file; it does not invent a missing counterpart. Flags become tags prefixed with YNAB:. Category groups and categories remain a readable path, and memos are retained. Starting Balance rows are skipped so they do not become income. Check each account balance separately after importing. Uncleared register entries are retained; they are not treated as failed transactions.
Are my YNAB budget and targets migrated?
This imports register transactions, including itemized split rows. Budget allocations, targets, scheduled transactions and attachments do not move automatically. If your version uses different or translated headings, map it into the Clover template. No account connection or YNAB password is needed.
What moves into Clover?
Recognized transaction tables preserve dates, amounts, original currencies, account names, notes, categories and available labels. Category groups become a readable path such as Food / Lunch. Split components remain separate rows. Budgets, recurring schedules, attachments, goals, opening balances and the other app's settings do not automatically migrate with a transaction export.
What if Clover cannot recognize my export?
Export layouts vary by app version and language. Copy the transaction data into Clover's migration template, retaining its headings. Use YYYY-MM-DD dates and an explicit Income, Expense, Transfer In or Transfer Out type. Include each account's original Currency, such as PHP or IDR. Do not substitute a converted home-currency amount for the original amount. Remove all example rows before uploading.
Can I upload overlapping history?
Clover checks repeat imports against previously imported rows in the same Profile and account. Stable transaction IDs are preferred; without IDs, identical occurrences are compared. Edits made inside Clover do not change the saved source identity when the original export evidence is available. Renamed or reassigned accounts, changes to the source export itself, and different export layouts can prevent a match. Start with a short date range and inspect it before importing the rest. Matches do not overwrite confirmed transactions. Connected-bank matches use the existing bank overlap checks, which may require review when evidence is ambiguous.
How do I check the result?
Compare the transaction count and income, expense and transfer totals for the same accounts, currencies and dates in both apps. Pending, void and summary rows are skipped. Excluded entries stay excluded when the export supplies that flag. A transaction export may omit starting balances, so matching transaction totals does not guarantee matching account balances. Keep the original export until you have checked the result.
Sources and verification
Institution menus and availability can change. Check the official instructions if your app looks different. Clover is independent of these institutions.
YNAB export instructions ↗