Editing and reordering rules

How rule changes work

Your automation rules determine how deposits are distributed across your accounts. You can adjust your rules at any time to match your changing financial goals.

• Reorder rules to change priority: Rules run from top to bottom, so the order matters

• Delete and recreate to edit: To change a rule's amount, percentage, or target account, delete it and create a new one

• Changes take effect immediately: Any modifications apply to your next deposit

Use these tools to keep your automation aligned with your savings and investment priorities.

Reordering your rules

The order of your rules determines which accounts get funded first. Rules at the top have higher priority and receive money before rules below them.

Why order matters

When money arrives in your Cash account, Fynbos processes your rules from top to bottom:

1. The first rule allocates money to its destination

2. Any remaining money flows to the second rule

3. This continues until all rules are processed or the money runs out

4. Leftover funds are transferred to your Emergency Savings account

If you have limited funds, rules at the bottom may not receive any money. Reordering lets you prioritise what matters most.

Changing rule order

1. Navigate to Automation rules from your settings or home screen

2. Find the rule you want to move

3. Tap and hold the rule until it lifts from the list

4. Drag the rule to your desired position

5. Release to drop the rule in place

Your new order saves automatically. A confirmation message appears when the order is updated.

Example: Prioritising emergency savings

If you want to fill your Emergency Savings before investing in your TFSA:

1. Drag your Emergency Savings target rule to the top

2. Position your Tax-Free Savings rule below it

Now deposits will fill your Emergency Savings target first. Only after reaching your target will remaining funds flow to your TFSA.

Modifying a rule

To change a rule's settings (amount, percentage, or target account), you need to delete the existing rule and create a new one with your updated preferences.

Changing a target rule

If you want to change which account a target rule fills:

1. Delete the existing target rule (see instructions below)

2. Tap Add rule at the bottom of your rules list

3. Select Reach a target

4. Choose the new account for your target

5. Tap Confirm

Your new target rule appears at the bottom of your list. Drag it to your preferred position.

Changing an amount rule

To modify the fixed amount in an amount rule:

1. Delete the existing amount rule

2. Tap Add rule

3. Select By amount

4. Enter the new amount to transfer

5. Select the destination account

6. Tap Confirm

Changing a percentage rule

To update the percentages in a split rule:

1. Delete the existing percentage rule

2. Tap Add rule

3. Select Split by percentage

4. Enter your new percentage allocations across accounts

5. Tap Confirm

Tip: Before deleting a rule, note down its current settings so you can recreate it with your modifications.

Deleting a rule

Remove rules you no longer need to simplify your automation.

How to delete a rule

1. Navigate to Automation rules

2. Find the rule you want to remove

3. Tap the delete icon on the right side of the rule

4. A confirmation dialog appears asking if you want to delete this rule

5. Tap Delete to confirm

The rule is removed immediately. Your remaining rules automatically shift up to fill the gap.

What happens after deletion

• Remaining rules stay in order: Other rules keep their relative positions

• Preview updates automatically: The preview panel shows your new distribution

• Next deposit uses updated rules: Your changes apply to future deposits

If you delete all your rules, deposits will stay in your Cash account until you create new rules or manually transfer the funds.

Previewing your changes

After reordering or deleting rules, check the preview panel to see how your next deposit will be distributed.

The preview shows:

• Each account that will receive funds

• The amount each account will receive (based on your debit order amount)

• Any leftover funds remaining in Cash

Use this preview to verify your rules are set up correctly before your next deposit arrives.

Troubleshooting rule issues

Some rules may show a blocked indicator, meaning they cannot run. Common reasons include:

Blocked rules appear with a warning icon. Resolve the issue to restore the rule.