Your subscription - Fynbos Money

# Your subscription

## Overview of Fynbos pricing

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

- **Free plan**: Emergency Savings and Tax-Free Savings at no cost
- **Protea plan**: R100/month or R1,000/year for the complete Fynbos experience
- **Simple billing**: Charged monthly or annually via card

Your subscription status appears in your *Settings* under **Subscription**. From there, you can view your current plan, manage your payment method, see who is covered, 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 | Free plan | Protea |
| --- | --- | --- |
| 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.

## Free plan

The free 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

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

### What "Limited" means on the free plan

If you're on the free plan, accounts that require Protea show a **Limited** label. You can still view these accounts and their balances, but you cannot transfer money into them until you subscribe.

Accounts that may show as limited include Savings pots, Investment accounts, Retirement Annuity, and Kids accounts. Your money and balances remain safe — subscribing to Protea removes the restriction immediately.

## Protea plan

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

- **Everything in the free plan**: 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.

## Choosing your billing interval

When subscribing to Protea, you can choose between monthly or annual billing.

| Interval | Price | Effective monthly cost |
| --- | --- | --- |
| **Monthly** | R100/month | R100 |
| **Annually** | R1,000/year | ~R83 |

The annual plan saves you approximately 17% compared to paying monthly. You can select your preferred interval on the subscription page.

## Discounts

Fynbos offers age-based discounts for younger users. If you qualify, a discount badge appears on the subscription page showing your discount percentage.

- **Under-30 discount**: Applied automatically based on your date of birth
- **Visible on pricing**: The discounted price appears alongside the standard price
- **Expiry date**: Your discount is valid until you turn 30, after which standard pricing applies

You can tap the discount badge on the subscription page to see full details, including the expiry date.

## How billing works

Your Protea subscription is billed via card payment on a recurring cycle based on your chosen interval.

**Billing cycle**:

- **Monthly**: Charged on the same day each month
- **Annual**: Charged once per year
- **Payment method**: Debit or credit card

Your payment card is stored securely and used only for subscription billing. You can update your card details anytime from the *Subscription* 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. Invoices display a coloured status badge:

- **Paid**: Payment was successful
- **Unpaid**: Payment is outstanding
- **Uncollectable**: Payment could not be collected after multiple attempts
- **Refunded**: Payment was refunded

## Members on your subscription

Your subscription covers you and any children or managed profiles on your account. The *Subscription* settings page shows everyone included.

Each member displays their name, cost contribution, and any discounts applied. This helps you understand the total cost of your subscription and see who benefits from your plan.

## Upgrading to Protea

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

1. Tap **Settings** from the menu
2. Tap **Subscription**
3. Tap **Subscribe to Protea**
4. Choose your billing interval (monthly or annually)
5. 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. Any accounts previously marked as **Limited** will become fully accessible.

## Trials

If you're on a trial, you'll see a **Trial** indicator on your subscription page along with the date your trial ends.

During a trial, you have full access to Protea features. Before the trial ends, add a payment card to continue your subscription. If no card is added, your subscription will expire and Protea-only accounts will become limited.

## 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. Review who is affected and confirm your cancellation

**What happens when you cancel**:

- You keep Protea access until the end of your current billing period
- After that, Protea-only accounts show as **Limited**
- 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.

## Resuming a cancelled subscription

If you've cancelled but your billing period hasn't ended yet, you can resume your subscription.

1. Navigate to **Settings**
2. Tap **Subscription**
3. Tap **Resume subscription**

Your subscription will continue as before with no interruption.

## 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 **Sponsored by [company name]** card on the *Subscription* page. You won't be charged while employed with that company.

**If you leave your employer**:

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

## Parent-sponsored subscriptions

If someone includes you on their Protea subscription (for example, a parent), you'll see a **Sponsored by [name]** card on your *Subscription* page. The subscription and payment sections are managed by the subscription owner — you don't need to do anything.

## Frequesntly asked questions

### What happens to my accounts if I cancel Protea?

Your accounts and balances stay intact. Protea-only accounts like Savings pots, Investment accounts, and Kids accounts will show as Limited — you can view them but cannot transfer money in. Resubscribe anytime to remove the restriction.

### Can I change my payment card?

Yes. Navigate to Settings, then Subscription, and tap Update next to your card details. You'll be redirected to update your payment method securely.

### What if my payment fails?

You receive a notification about the failed payment. Fynbos retries the payment automatically and gives you a grace period to update your payment method. Your investments continue to grow during this period. If the payment remains uncollected, your Protea-only accounts will become limited until payment is resolved.

### Is there a trial period?

Trial availability varies. If you're on a trial, you'll see the end date on your Subscription page. Add a payment card before the trial ends to continue with Protea. If no card is added, your subscription will expire and Protea-only accounts will become limited.

### Can I get a refund?

Subscription payments are generally non-refundable. Contact support if you have concerns about a specific charge.

### What happens to limited accounts on the free plan?

Accounts that require Protea show a Limited label on the free plan. You can still view these accounts and their balances, but you cannot transfer money into them. Subscribing to Protea removes the restriction immediately.

### Do age discounts apply automatically?

Yes. If you're under 30, an age discount is applied automatically based on your date of birth. The discount is visible on the subscription page and remains active until you turn 30.