In the UK, which has implemented open banking already, you can use services like https://syncforynab.com/ (no affiliation, just a happy customer) to link your accounts to YNAB. Some challenger banks like Monzo and Starling allow you to set up webhooks for transactions so they're immediately available in YNAB through Sync for YNAB rather than having to use x-hourly syncs via open banking companies that are officially blessed by the big banks.
I recently moved back to the US after 5 years in the UK. It’s hard to overstate how awesome Monzo is, and how much of a steaming pile of 3rd world shit banking in the US is.
