Amount rules: Fixed allocation

What is an amount rule?

An amount rule transfers a fixed rand amount from your deposit to a specific account. Unlike percentage rules that vary with your deposit size, amount rules always transfer the same amount.

• Fixed allocation: Transfer exactly R500, R1,000, or any amount you choose

• Predictable: The same amount transfers every time, regardless of deposit size

• Simple: One account per rule, making it easy to track

Use amount rules when you want consistent, predictable contributions to a specific account.

How amount rules work

When money arrives in your Cash account, automation rules run from top to bottom. An amount rule takes up to its specified amount from the remaining balance and transfers it to the chosen account.

Example: You have an amount rule set to transfer R1,500 to your Tax-Free Savings.

• If you deposit R3,000: R1,500 goes to Tax-Free Savings, R1,500 remains for the next rule

• If you deposit R1,000: The full R1,000 goes to Tax-Free Savings (the rule takes what's available)

• If earlier rules have already used your deposit: The amount rule receives what's left

Amount rules are "greedy up to their limit" - they take as much as possible, up to the amount you set.

When to use amount rules

Amount rules work best when you want:

• Fixed monthly contributions: "I want to invest exactly R2,000 every month"

• Predictable budgeting: You know exactly how much will go to each account

• Consistent child contributions: Send the same amount to a child's account each month

Choose percentage rules instead when you want contributions to scale with your income, or when you want to split a deposit across multiple accounts proportionally.

Supported accounts

Amount rules can transfer to any user-facing account:

Creating an amount rule

1. Navigate to your Automation rules page

2. Tap Add rule

3. Select By amount from the rule type options

4. Tap Continue

5. Enter the amount you want to transfer (e.g., R1,500)

6. Select the destination account from the dropdown

7. Toggle Stop at target if you want the rule to stop allocating once the account reaches its target (available for Emergency Savings, Tax-Free Savings, and Savings pots)

8. Tap Confirm

Your new amount rule appears in the rules list. By default, new rules are added at the bottom and run last.

Using stop at target

For accounts with savings targets, you can enable Stop at target to cap allocations at the difference between the current balance and the target.

Example: Your Emergency Savings has a R60,000 target and R55,000 balance. You have an amount rule set to transfer R10,000.

• With stop at target enabled: R5,000 goes to Emergency Savings (capped at target), R5,000 continues to the next rule

• With stop at target disabled: The full R10,000 goes to Emergency Savings

Note: For Tax-Free Savings accounts, stop at target is always enabled to help you stay within the annual R36,000 contribution limit.

Editing an amount rule

To change the amount or destination account, delete the existing rule and create a new one.

1. Navigate to your Automation rules page

2. Find the rule you want to change

3. Tap the delete icon on the rule

4. Confirm deletion

5. Create a new rule with your updated settings

Changing rule order

Rules run from top to bottom. To change when your amount rule runs:

1. Navigate to your Automation rules page

2. Tap and hold the rule you want to move

3. Drag it to the desired position

4. Release to save the new order

A toast notification confirms when the order is saved.

Tip: Place amount rules early if you want to guarantee their full allocation. Rules placed later may receive less if earlier rules use most of the deposit.

Understanding the preview

The preview panel shows how your current rules would distribute a deposit. For amount rules, the preview shows the exact rand amount that would transfer.

Example preview text: "Transfer R1,500 of the deposit to Tax-Free Savings."

If the amount rule is not the first rule, the preview reads: "Transfer R1,500 of the remaining deposit to Tax-Free Savings."

Amount rules vs percentage rules