If your saving rule didn't run as expected, there are a few common reasons. Here's what to check.
How saving rule deposits work
Saving rules calculate your contributions throughout the week based on your activity.
Each week, we collect the total via Direct Debit and contribute it to your pension. Once contributed, the funds are then invested in your chosen fund - this can take a few additional days. So if you're expecting to see a deposit, keep in mind there's a short delay between collection and investment.
Common reasons
Insufficient funds If there wasn't enough money in your bank account when we tried to collect, the payment will have failed. Check your balance and ensure funds are available.
Open Banking connection expired Your Open Banking connection needs to be refreshed every 90 days. If it's expired, we can't see your transactions to calculate round-ups, pound-ups, or no-spend challenge savings. Reconnect your bank in the app to fix this.
Direct Debit issue If your Direct Debit mandate has been cancelled or there's a problem with it, we can't collect payments. Check with your bank that the Direct Debit is still active.
Rule was paused Check that your saving rule is actually active. If you paused it previously, you'll need to reactivate it.
How to check your saving rule status
Go to the Saving Rules section in the app. Each rule shows its current status – active, paused, or if there's an issue that needs attention. Tap on a rule for more details.
What happens next?
If a saving rule didn't run due to a temporary issue (like insufficient funds), it will try again next week. Make sure the underlying issue is resolved so future contributions can succeed.
Still need help?
If you've checked the above and still aren't sure why your rule didn't run, contact us at hello@joinchest.com.