# Setting up a debit order

## What is a debit order?

A debit order is an automated monthly payment that collects money from your bank account on a set day each month. This is ideal for:

- **Consistent saving**: Build wealth automatically without having to remember to transfer money
- **Discipline**: Remove the temptation to skip a month
- **Convenience**: Set it once and let it run

Money collected via debit order lands in your Cash account, where automation rules can distribute it to your other accounts automatically.

## Before you begin

To set up a debit order, you need a linked bank account that supports debit orders. If you have not yet linked a bank account, you will be prompted to add one during setup.

> **Important**: Not all bank accounts support debit orders. Some accounts (like certain savings accounts) may show "Debit orders not supported" and cannot be used for this purpose.

## Setting up your debit order

Follow these steps to set up a new debit order.

### Configuring your deposit

1. From your home screen or *Cash* account, tap **Add money**
2. Enter the amount you want to contribute each month in the **Amount** field
3. Tap **Select a payment method** to open the payment method sheet
4. Select **Debit order** from the list
5. Tap the **Arrives** card to open the schedule picker
6. Choose your preferred collection day (1-28, or last day of the month)

The page shows the fee, minimum amount, and a toggle for **Automation rules**. You can also view the **Total with fees** breakdown by tapping the fees card.

1. Tap **Select bank account**

### Selecting your bank account

1. Select your bank account from the dropdown menu
2. Tap **Continue**

If you have not linked a bank account yet, tap **Add bank account** to link one first.

### Confirming your debit order

1. Review your debit order details:
  - Amount
  - Total with fees
  - Collection day
  - Account holder name
  - Bank name
  - Account number
2. Check the box to agree to the Terms and Conditions and Privacy Policy
3. Check the box acknowledging the 40-day withdrawal hold on debit order funds
4. Tap **Continue** to confirm

Your debit order is now set up and will run on your chosen day each month.

## Choosing your collection day

You can choose any day from the 1st to the 28th of the month, or select "Last day of the month" for collection on the final day regardless of how many days are in that month.

**Tips for choosing your collection day**:

- **After payday**: Set your collection day for a day or two after you receive your salary to ensure funds are available
- **Early in the month**: Collecting early gives your money more time to grow
- **Avoid weekends**: If your collection day falls on a weekend or public holiday, the debit order will process on the next business day

## What happens after setup

Once your debit order is confirmed:

1. **First collection**: Your first debit order will run on the next occurrence of your chosen day (if the day has already passed this month, it will run next month)
2. **Processing time**: Debit orders typically take a couple of days to reach your Fynbos account
3. **Cash account**: Funds land in your Cash account, where automation rules can distribute them automatically
4. **Notifications**: You will receive a notification when funds arrive in your account

> **Please note**: To protect against fraud, funds collected via debit order cannot be withdrawn for 40 days after they are invested. This is a security measure required by the payment provider.

## Viewing your debit order

Once set up, your debit order appears in the **Upcoming deposits** section on your *Cash* account screen.

1. Navigate to your *Cash* account from the home screen
2. Find the debit order card in the **Upcoming deposits** section

The card shows:

- The payment method name
- Your next collection date
- The amount to be collected

Tap the card to open a detail sheet where you can view bank details, pause or resume your debit order, toggle automation rules, edit, or delete it.