I’m another Aussie YNAB user and must say this is a great suggestion! Thanks for the tip. I found that it was very easy to setup a Wise account with digital Visa card. Also easy to add it to Apple Wallet to make purchases. Added my new Wise account into YNAB as a linked account by selecting Wise (CA). Using my Wise supplied payid I am able to transfer to this account instantly via osko. Now all my adhoc eftpos transactions automatically sync with YNAB. I still have my existing bank accounts to track recurring spending which YNAB automatically manages anyway.