The best Online Banking alternative to You Need A Budget is HomeBank, which is both free and Open Source. If that doesn't suit you, our users have ranked more than 100 alternatives to You Need A Budget and nine of them are Online Banking Tools so hopefully you can find a suitable replacement. Other interesting Online Banking Tool alternatives to You Need A Budget are KMyMoney, Quicken, Moneydance and Skrooge.
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It is not envelop based, which is the main feature of YNAB, Also no syncing to other devices, and they don't have a mobile application - which is a must for tracking expenses.