Funding your account

Ways to add money

You can fund your Fynbos account in two ways:

Most users set up a debit order for regular contributions and use EFT for occasional top-ups.

How money flows into Fynbos

All deposits land in your Cash account first. From there, you can:

• Manually transfer funds to your other accounts (Emergency Savings, Tax-Free Savings, Investment accounts, etc.)

• Set up automation rules to automatically distribute incoming deposits across your accounts

This gives you full control over where your money goes, while automation rules let you put your savings on autopilot.

The add money page

The add money page is a single screen where you configure your deposit before proceeding. Tap Add money from your Cash account or home screen to get started.

On this page you can:

• Enter an amount: How much you want to deposit

• Choose a payment method: Each method shows its fee, processing time, and minimum amount

• Set timing: For debit orders, choose your collection day. For EFT, the deposit is immediate

• Toggle automation rules: Control whether your deposit is automatically distributed when it arrives

• View fees: Tap the Total with fees card to see a breakdown of payment fees

Adding money via EFT

Send money from your own bank account using your unique Fynbos banking details.

1. From your home screen, tap Add money

2. Enter the amount you plan to deposit

3. Tap Select a payment method and choose Manual EFT

4. Tap Continue

5. Copy your unique reference number from the EFT details screen

6. Note the Fynbos bank account details displayed

7. Sign in to your bank and create a new EFT payment using these details

8. Use your unique reference as the payment reference

9. Return to the app and tap I've already made this payment, or tap I will make this payment later to pay at another time

Your deposit will appear in your Cash account within 1-2 business days.

Important: Only deposit from your own bank account. Cash deposits are not accepted. Always use your unique reference number so we can identify your payment.

Setting up a debit order

Automate your savings with a monthly debit order that collects directly from your bank account.

Before you start

You need a linked bank account that supports debit orders. If you haven't added one yet, you'll be prompted to do so during setup.

Creating a new debit order

1. From your home screen, tap Add money

2. Enter your monthly contribution amount

3. Tap Select a payment method and choose Debit order

4. Tap the Arrives card and choose your preferred collection day (1st-28th or last day of the month)

5. Tap Select bank account

6. Select your bank account from the dropdown

7. Tap Continue

8. Review your debit order details and total with fees

9. Confirm you agree to the Terms and Conditions

10. Acknowledge the 40-day fraud protection notice

11. Tap Continue to activate your debit order

Your debit order is now active. Collections typically take a couple of days to reach your Fynbos account.

Managing your deposits

Once you have active deposits, they appear in the Upcoming deposits section on your Cash account screen.

Debit order management

Tap your debit order card to open a detail sheet where you can:

• View details: See your bank account, next collection date, and amount

• Pause or resume: Toggle the Schedule active switch

• Toggle automation rules: Control whether deposits are auto-distributed

• Edit: Change the amount, collection day, or automation settings

• Delete: Permanently remove the debit order

EFT deposit management

Tap an EFT deposit card to open a detail sheet where you can:

• View bank details: See the reference and account details for your transfer

• Confirm payment: Mark that you've already made the EFT

• Toggle automation rules: Control whether the deposit is auto-distributed

• Cancel: Remove the deposit if you've decided not to make the payment

Automation rules

Once money lands in your Cash account, automation rules can distribute it automatically. For example, you might set rules to:

• Fill your Emergency Savings to a target amount first

• Split a percentage between Tax-Free Savings, Investment accounts, and your Retirement Annuity

• Send a fixed amount to a Savings Pot

Rules run from top to bottom when deposits arrive. Anything left over after your rules have run transfers to Emergency Savings by default.

You can toggle automation rules on or off for each individual deposit when setting it up or from the deposit's detail sheet on the Cash screen.

For detailed instructions, see Understanding automation rules.