# Cash account overview

## What is the Cash account?

Your Cash account is the heart of your Fynbos portfolio. It acts as the central point where all money flows in and out of your accounts.

- **Entry point for deposits**: Every deposit lands in Cash first, whether from a debit order or EFT transfer
- **Withdrawal source**: All withdrawals to your bank account come from Cash
- **Transfer hub**: Move money between accounts by routing through Cash

Think of Cash as your financial sorting station. Money arrives, you decide where it goes (or let automation rules decide for you), and it flows out to the right destination.

## Why all money flows through Cash

Fynbos uses Cash as the central hub for all money movement. This design keeps your finances organised and gives you full visibility over where your money goes.

**How it works**:

[Embedded CodeBlock]

**Benefits of this approach**:

- **Clear audit trail**: Every movement has a clear record of where money came from and where it went
- **Automation ready**: Set up rules to automatically distribute incoming deposits
- **Control over your money**: Nothing moves without you seeing it first (or setting up rules to handle it)

When you transfer between accounts (like Emergency Savings to TFSA), the money routes through Cash as an intermediary. You may see two transactions for this, which is normal.

## What you see on your Cash screen

Your Cash account screen shows your current balance and gives you quick access to key actions.

**Balance card**: Displays your current Cash balance, which includes unallocated deposits and any money transferred in from other accounts.

**Action buttons**:

- **Add money**: Start a new EFT deposit or set up a debit order
- **Transfer**: Move money from Cash to another account
- **Withdraw**: Send money from Cash to your linked bank account

**Debit order card** (if active): Shows your next debit order date and amount, with options to pause or change it.

**Pending automations**: If you have automation rules, shows any pending transfers waiting to be processed.

**Recent transactions**: Your latest Cash account activity.

## Adding money to Cash

All deposits to Fynbos land in your Cash account first. You have two options for adding money.

| Method | Processing time | Best for |
| --- | --- | --- |
| **Manual EFT** | 1-2 business days | Once-off deposits, large amounts |
| **Debit order** | Monthly on your chosen date | Consistent, automated savings |

**To add money**:

1. From your **Cash** account or home screen, tap **Add money**
2. Select **Manual EFT** or **Debit order**
3. Follow the prompts to complete your deposit

Once your deposit arrives in Cash, you can transfer it to other accounts manually or let automation rules distribute it automatically.

## Transferring from Cash

Move money from Cash to any of your other Fynbos accounts.

1. Navigate to your **Cash** account
2. Tap **Transfer**
3. Select the destination account from the list
4. Enter the amount you want to transfer
5. Tap **Review transfer** and confirm

**Using automation rules**: If you have automation rules set up, you can select **Using automation rules** as a transfer option. This distributes your transfer according to your configured rules.

**Transfer timing**:

- Transfers to **Emergency Savings** and **Savings pots** are instant
- Transfers to **Tax-Free Savings** and **Investment accounts** take 2-3 business days to settle

## Withdrawing from Cash

Withdrawals move money from your Cash account to your linked bank account. You can only withdraw from Cash, not directly from other accounts.

1. Navigate to your **Cash** account
2. Tap **Withdraw**
3. Enter the amount you want to withdraw
4. Select your bank account
5. Tap **Review withdrawal** and confirm

Withdrawals typically arrive within 1-2 business days. The app shows your expected arrival date before you confirm.

**Funds on hold**: Some deposits have a hold period before they can be withdrawn. Debit order deposits are held for 40 days, and direct EFT deposits are held for 5 days. The app shows your available balance separately from held funds.

## Managing your debit order

If you have an active debit order, you can manage it directly from your Cash account screen.

**Pausing your debit order**:

1. Find the **Debit order** card on your Cash screen
2. Toggle the switch to pause

Note the deadline shown for pausing before the next collection date. To resume, toggle the switch back on.

**Changing your debit order**:

1. Tap **Change debit order** in the debit order card
2. Update your amount, bank account, or collection day
3. Tap **Continue** to confirm

Your new settings will apply to future collections.

## Pending automations

When you have automation rules set up and a deposit arrives, you may see pending automations on your Cash screen.

Pending automations show:

- The total amount to be distributed
- Each transfer that will occur
- When the automation will run

You can cancel individual transfers or the entire automation if you want to handle the money differently. Tap the delete icon next to a transfer or tap **Cancel automation** to stop all pending transfers.