I have read various topics relating to this issue - ie when a connection to online banking is made, it doesn't necessarily recognise that a particular transaction is a scheduled one, so duplicate transactions apear. There is a fix to this - ie to delete one of the transactions. However, my issue is this: I have edited all the scheduled transactions to reflect the parameters which are important to me. To be specific, the income or expense category is very important. If I am ever able to completely dispense with Microsoft Money, I will need to get income categories and expense categories completely accurate, every time. The online banking downloaded transacions are generally completely inaccurate in this regard, so when a duplicate transaction appears, it is the online banking one which must be deleted, not the scheduled one, which has the correct description. This raises a question in my mind: why bother with online banking at all, when I am going to be deleting most of the downloaded transactions? If there was a fix to this issue, I would be a lot more willing to use online banking. Essentially, MoneyWiz needs to recognise when an online banking transaction is a scheduled transaction, and automatically enter the description parameters of the scheduled transaction.
We recommend that you enable "auto-skip" setting for all Scheduled transactions that target Online Banking accounts. This way the Scheduled transaction is never executed (not producing a duplicate) but is available in case you want to generate a Forecast report.
However, this would not solve your problem with miscategorised transactions arriving from Online Banking so let's focus on that. It is possible to work with MoneyWiz so that it can assign proper categories to transactions it downloads, especially for transactions that are recurring. My guess would be that your Payee list requires some cleanup from incorrect payees (such as "BANK TRANSFER" or "CREDIT CARD PAYMENT"). Can you please first take a look at this guide and see if advices there apply to you? https://wiz.money/knowledgebase/improve-online-banking-auto-categorization/
If not, or you are not sure, I'd suggest that you contact us privately at firstname.lastname@example.org so we can assist as we might need to take a closer look at your data in order to be able to help you in this particular case.
I'm sorry for my delayed response.
Many customers who have experienced similar frustration with Online Banking automatic categorisation were able to resolve it by looking through the Payees list as they are the heart of the automatic categorisation process. If you need help with this, please contact us at email@example.com and we'll be able to assist you with this.
Automatic categorisation can work - and it does. Sometimes it just needs a bit of a setup.
As to your question: if you're currently using MoneyWiz Free and cancel your Premium subscription, you will not be able to sync other devices using SYNCbits. If you purchase MoneyWiz Standard (one-time payment but separate purchases for each platform) then you do not have recurring subscription payment but you retain SYNCbits sync between devices. More information: https://wiz.money/buy/