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YNAB API Authentication

How to authenticate YNAB API requests: one Bearer API key plus a connectionId. MindCloud stores your YNAB API key securely — set it once, never resend it.

Every YNAB API request through MindCloud needs two things: a MindCloud API Key and a connectionId for your YNAB account. This page covers both, plus exactly how to send them, so you do not need to visit any other page to get authenticated.

Steps to authenticate

  1. Create a MindCloud account at app.mindcloud.co if you do not already have one.
  2. Generate a MindCloud API Key in API Keys. This is the Bearer token you send on every request. Keep it on your server.
  3. Create a YNAB connection in Connections. YNAB uses an API key. You generate the key in your YNAB account, then paste it in when you create the connection — MindCloud stores it securely and never returns it in a response.
  4. Copy the connection’s connectionId — you will send it on every request alongside your MindCloud API Key.

How requests are authenticated

Authentication has two layers. Your MindCloud API Key authenticates the request to MindCloud, sent as a Bearer token in the Authorization header. The connectionId selects the connected YNAB account that should run the action. MindCloud stores and refreshes the YNAB credentials behind that connection, so you never send provider tokens with your requests.

Pass connectionId in the query string for GET and DELETE actions, and in the JSON body for POST, PUT, and PATCH actions.

For example, calling List Plans with an YNAB connection looks like this:

curl --request POST \
  --url "https://connect.mindcloud.co/v2/universal/apps/ynab/actions/list-plans/run" \
  --header "Authorization: Bearer $MINDCLOUD_API_KEY" \
  --header "Content-Type: application/json" \
  --data '{
  "connectionId": "$CONNECTION_ID",
  "arguments": {}
}'

The Authorization: Bearer <your MindCloud API Key> header authenticates you to MindCloud; the connectionId tells MindCloud which YNAB account to run the action against. Missing or invalid Authorization returns 401, and a missing or mismatched connectionId returns 400.

Get your YNAB personal access token

Personal access tokens are intended for your own YNAB account.

  1. Open YNAB Developer Settings

    Sign in to YNAB, open Account Settings, then open Developer Settings.

    Account Settings → Developer Settings
  2. Create a new personal access token

    In the Personal Access Tokens section, click New Token, enter your password, and generate the token.

  3. Paste the token into MindCloud

    Copy the token immediately and paste it into the Personal Access Token field when creating your connection.

Keep your key safe

Keep your MindCloud API Key on your server; do not ship it in browser code, mobile apps, public repositories, or logs. Anyone with the key can call the Universal API as your MindCloud account, across every connection you have created.

YNAB API Authentication - Universal API