Savings jars

#What is a savings jar

A savings jar is a separate balance inside your wallet where you set money aside for a goal. The money in a jar stays yours: these are the same coins, they are just kept apart from your account, so they are harder to spend by accident.

• Each jar has its own coin — any currency of your accounts. Once the jar is created, the coin cannot be changed.
• You can set a goal — how much to save — and a date to save by. Both are optional.
• You can lock a jar so you don't spend the money too early.
• You can add money to a jar manually, automatically on a schedule, and by rounding up card purchases.
• There are no fees. There is no interest on money in a jar either — if you want to earn income, see Staking.

#How to create a jar

1. Open "Savings jars": on the home screen or in "Profile" → "Savings jars".
2. Tap "Create jar".
3. Step 1 "Goal and deadline". Choose an icon, enter a name, and choose the "Jar currency". Optionally, set a goal and a date in the "Save until" field — no earlier than tomorrow. Tap "Next".
4. Step 2 "Lock". Choose whether to lock the jar — the options are below. Tap "Next" or "Lock".
5. Step 3 "Deposit". Optionally, turn on auto-deposit and purchase rounding, and enter an amount in the "Deposit now" field.
6. Tap "Create jar".

If you set both a goal and a date, the app will suggest how much to set aside per month or per week to make it in time.

#Lock

The lock prevents you from taking the money out too early. You can always add money to a jar, even a locked one.

Once the condition is met, the lock is removed permanently. Even if you later take out part of the money and the amount drops below the goal, the lock will not come back. You can set a new lock in the jar settings.

#Break a jar

If you need the money before the deadline, you can break the jar. The lock is not removed immediately but after a waiting period — this protects your money if someone gets access to your phone.

1. Open the jar and tap "Break".
2. Read the terms: when the jar will open and what happens until then.
3. Tap "Break — enter PIN" and confirm with your PIN.
4. A timer "Jar will open in …" appears on the jar screen.

While you wait, the money stays in the jar, and auto-deposit and rounding work as usual. Changed your mind? Tap "Cancel opening". If the lock condition is met on its own during this time, the jar opens immediately.

When you break a jar, the bot sends you a notification, and if you have an email linked, an email as well. If it wasn't you, cancel the opening and change your PIN.

#Auto-deposit

A jar can set money aside from your account on its own, in the same coin.

• How often — every day, once a week on a chosen day, or once a month on a chosen date or on the last day of the month.
• When — at 12:00 Moscow time.
• If there isn't enough money — the jar will try again after 6 hours, then skip this time and message you in the bot. Skipped amounts do not accumulate.

#Rounding up card purchases

A jar can set aside the "change" from purchases made with PS Wallet cards. For example, with rounding to 1 USD, a purchase of 12.30 USD will set aside 0.70 USD.

• The rounding step is 1, 5, or 10 USD.
• You can limit the total amount of roundings per month.
• The money is deducted from your account in the jar's coin, not from the card. If the jar is not in USDT, the amount is converted at the exchange rate.
• Only completed purchases are rounded. Refunding a purchase does not cancel the rounding: the money stays with you in the jar anyway.
• Roundings from all cards go to one jar. If you turn on rounding in another jar, it turns off in the previous one.
• If there isn't enough money in the account, the rounding is skipped without a notification.

#Goal reached or deadline passed

The money doesn't go anywhere on its own — it stays in the jar until you take it out. The following options appear on the jar screen:

• "Take to account" — move the whole amount to your account;
• "New goal" or "Extend deadline" — keep saving;
• "Keep as is" — hide the prompt.

If "Stop when goal is reached" is turned on, auto-deposit and rounding turn off on their own once the goal is reached. When the date arrives, they always turn off.

The bot will also send you notifications when you reach half of your goal and 90%.

#Take money out and close a jar

• Take out — the "Take out" button on the jar screen, if the jar has no lock or the lock has already been removed. The money arrives in your account in the same coin, with no fee and without a PIN.
• Close — "Close jar" in the settings. The remaining balance returns to your account, and the jar moves to "Jar archive" together with its transaction history. You can't close a jar with an active lock.

You can't withdraw money from a jar directly to an external wallet or card — take it to your account first.