# Your subscription

## Overview of Fynbos pricing

Fynbos offers two pricing tiers: a free Roots plan and the Protea subscription. Both tiers give you access to core savings and investment features, with Protea unlocking additional accounts and capabilities.

- **Roots plan**: Free access to Emergency Savings and Tax-Free Savings
- **Protea plan**: R100 per month for the complete Fynbos experience
- **Simple billing**: Charged on the 1st of each month via card

Your subscription status appears in your *Settings* under **Subscription**. From there, you can view your current plan, manage your payment method, and access invoices.

## What's included in each plan

Both plans include the core Fynbos experience: a Cash account, Emergency Savings with goal tracking, and a Tax-Free Savings Account for tax-efficient investing.

| Feature | Roots (Free) | Protea (R100/month) |
| --- | --- | --- |
| Cash account | Yes | Yes |
| Emergency Savings | Yes | Yes |
| Tax-Free Savings Account | Yes | Yes |
| Debit orders and EFT deposits | Yes | Yes |
| Basic automation rules | Yes | Yes |
| Savings pots | No | Yes |
| Kids accounts | No | Yes |
| Investment accounts | No | Yes |
| Retirement Annuity | No | Yes |
| Custom investment strategies | No | Yes |

The Protea plan is designed for users who want a complete financial portfolio in one place, including multiple savings goals, family accounts, and flexible investment options.

## Roots plan (Free)

The Roots plan gives you everything you need to start building your financial foundation at no cost.

- **Emergency Savings**: Build your safety net with instant access and daily interest
- **Tax-Free Savings Account**: Invest tax-free with curated fund options
- **Automation rules**: Automatically distribute deposits between your accounts
- **Full app access**: All core features, transaction history, and statements

Roots is ideal if you're focused on building an emergency fund and starting your tax-free investing journey. You can upgrade to Protea anytime.

## Protea plan (R100/month)

Protea unlocks the full Fynbos experience, giving you more account types and features to manage your complete financial picture.

- **Everything in Roots**: Emergency Savings, TFSA, automation, and more
- **Savings pots**: Create multiple savings goals with individual targets and progress tracking
- **Kids accounts**: Open and manage accounts for your children
- **Investment accounts**: Build custom investment portfolios with your chosen fund allocation
- **Retirement Annuity**: Tax-deductible retirement savings with beneficiary nominations
- **Custom strategies**: Define your own investment strategy across available funds

Protea is designed for users who want to save for multiple goals, invest for their family, and take control of their investment strategy.

## How billing works

Your Protea subscription is billed monthly via card payment. Understanding the billing cycle helps you manage your subscription effectively.

**Billing cycle**:

- **Monthly charge**: R100 on the 1st of each month
- **Pro-rated first month**: When you subscribe mid-month, you only pay for the remaining days
- **Payment method**: Debit or credit card

**Example**: If you subscribe on the 15th of January, you'll pay approximately R50 for the remainder of January, then R100 on the 1st of February.

Your payment card is stored securely and used only for subscription billing. You can update your card details anytime from the *Settings* page.

## Viewing your invoices

Fynbos generates an invoice for each subscription payment. Access your billing history from the *Settings* page.

1. Tap **Settings** from the menu
2. Tap **Invoices**
3. Select any invoice to download as a PDF

Each invoice shows the billing period, amount charged, and payment status. Paid invoices display a green **Paid** badge, while outstanding payments show as **Unpaid**.

## Upgrading to Protea

You can upgrade from the free Roots plan to Protea at any time. The upgrade takes effect immediately.

1. Tap **Settings** from the menu
2. Tap **Subscription**
3. Tap **Subscribe**
4. Enter your card details and confirm payment

Once subscribed, you'll immediately have access to Savings pots, Kids accounts, Investment accounts, Retirement Annuity, and custom strategies.

## Cancelling your subscription

You can cancel your Protea subscription at any time. Your access continues until the end of your current billing period.

1. Navigate to **Settings**
2. Tap **Subscription**
3. Tap **Cancel subscription**
4. Confirm your cancellation

**What happens when you cancel**:

- You keep Protea access until the end of the current month
- After that, you'll have access to Roots features only
- Your accounts and balances remain intact
- You can resubscribe anytime to regain Protea features

> **Important**: Cancelling your subscription also affects any Kids accounts you've created. Children on your subscription will also be downgraded to the free plan.

## Employer-sponsored subscriptions

Some employers partner with Fynbos to offer Protea subscriptions to their employees at no cost.

If your employer has partnered with Fynbos, you'll see a message on the *Subscription* page indicating your Protea access is sponsored. You won't be charged while employed with that company.

**If you leave your employer**:

- You can continue your subscription independently at R100/month
- Or switch to the free Roots plan
- Your accounts and balances remain intact either way