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.

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. Select Manual EFT

3. Enter the amount you plan to deposit

4. Tap Continue

5. Copy your unique reference number

6. Note the Fynbos bank account details displayed

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

8. Use your unique reference as the payment reference

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. Select Debit order

3. Enter your monthly contribution amount

4. Tap Continue

5. Select your bank account from the dropdown

6. Choose your preferred collection day (1st-28th or last day of the month)

7. Tap Continue

8. Review your debit order details

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 debit order

Once you have an active debit order, you can pause, resume, or change it at any time.

Pausing your debit order

If you need to skip a month, you can temporarily pause your debit order.

1. Navigate to your Cash account

2. Find the Debit order card

3. Toggle the switch to pause

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

Changing your debit order

To update the amount, bank account, or collection day:

1. Navigate to your Cash account

2. Tap Change debit order

3. Update your monthly amount, bank account, or collection day

4. Tap Continue to confirm

If you already have a debit order and select Add money > Debit order, you'll be taken to the change flow. Your old debit order will be replaced with the new one.

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 and Investment accounts

• 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.

For detailed instructions, see Understanding automation rules.