Understanding automation rules

What are automation rules?

Automation rules let you set up automatic transfers that run whenever money lands in your Cash account. Instead of manually moving money to each account, your deposits are distributed according to your rules.

• Automatic distribution: Money moves to the right accounts without manual transfers

• Customisable priorities: Rules run in order from top to bottom

• Flexible options: Choose from two rule types to match your savings style

Use automation rules to build consistent savings habits and ensure your money is always working towards your goals.

How automation rules work

When you add money to Fynbos via EFT or debit order, it first arrives in your Cash account. Your automation rules then distribute that money to your other accounts.

1. Money arrives in your Cash account

2. Rules run from top to bottom in the order you set

3. Each rule takes its allocation from the remaining amount

4. Any leftover money stays in Emergency Savings

The preview on the Deposit rules screen shows exactly how your next deposit will be distributed based on your current rules.

Rule types

You can create two types of automation rules. Each type works differently based on your savings goals.

Amount rules

Amount rules transfer a fixed amount to an account each time money is deposited.

• Best for: Regular fixed contributions to any account

• How it works: Takes the specified amount (or the remaining deposit, whichever is less)

• Example: A rule set to R500 will transfer R500 to the account on each deposit

Percentage rules

Percentage rules split the remaining deposit across one or more accounts based on percentages you define.

• Best for: Proportional investing across multiple accounts

• How it works: Calculates the percentage of whatever remains after previous rules have run

• Example: A 60/40 split sends 60% to your Tax-Free Savings and 40% to your Investment Account

Stop at target

Both amount and percentage rules support a Stop at target option for accounts with savings targets (Emergency Savings, Tax-Free Savings, and Savings pots).

When enabled, the rule caps its allocation at the difference between the account's current balance and its target. Once the target is reached, the rule stops allocating and passes remaining funds to the next rule.

Example: Your Emergency Savings has a R60,000 target and R50,000 balance. A percentage rule with stop at target enabled would allocate at most R10,000, even if more funds are available.

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

Rule order and priority

Rules run from top to bottom. The order matters because each rule takes from what remains after previous rules have run.

Example with R10,000 deposit:

1. Amount rule (Emergency Savings, R5,000 with stop at target): Takes R5,000

2. Amount rule (Savings Pot, R1,000): Takes R1,000

3. Percentage rule (Tax-Free Savings 50%, Investment Account 50%): Splits remaining R4,000

To change the order:

1. Navigate to the Deposit rules screen

2. Tap and hold any rule

3. Drag it to the new position

4. Release to save the new order

Creating your first rule

Setting up automation rules takes just a few taps.

1. Tap Automation on your home screen

2. Tap Add rule

3. Select the rule type: By amount or Split by percentage

4. Choose the destination account

5. Enter the value (amount or percentage)

6. Toggle Stop at target if you want allocations to stop when the account reaches its target (available for accounts with targets)

7. Tap Confirm

Your new rule appears at the bottom of the list. Drag it to reposition if needed.

Blocked rules

Sometimes a rule cannot run. Blocked rules appear with a warning icon and are skipped during distribution.

Common reasons a rule is blocked:

• No target set: Stop at target is enabled but the account has no target amount configured

• Account not ready: The destination account requires setup (like setting a strategy for Tax-Free Savings)

• Unreachable: A 100% percentage rule above this rule means no money reaches it

To fix a blocked rule, tap on it to see the reason and follow the instructions to resolve the issue.

Previewing your distribution

The preview card shows how your next deposit will be distributed based on your debit order amount or a sample deposit.

1. Navigate to the Deposit rules screen

2. View the Preview card on the right side of the screen

3. See the breakdown of how money will flow to each account

The preview updates automatically when you add, remove, or reorder rules.