Several thousand rules allocate the transactions automatically to the appropriate categories. These centrally recorded rules are expanded on an ongoing basis. If certain expenditures could not be automatically categorized (e.g. difference between contents and personal liability insurance) or have been incorrectly categorized, you should undertake the allocation manually on a one-time basis. You can indicate when doing so whether the transaction should be automatically allocated to the selected category in future. The Personal Financial Assistant learns more on an ongoing basis and supports you more independently over time.
Yes. There are two options to create a rule.
You can indicate during manual categorization whether the transaction should be automatically allocated to the selected category in future.
Or you create a new rule under "Settings > Manage Rules". You have various criteria that you can use to further define the rule.
This is not possible at present, but planned for the future.
You can, however, summarize different transactions using an identifier applicable to all categories and show the total amount – for instance, for an event such as the summer holidays.
Yes. If you would like to have a certain transaction not taken into account in the analysis, open this and select the option "Hide transaction". The relevant amount will not then be included in expenditures.
No, this is not possible.
When a deposit arrives, the savings goals are taken into account in their sequence of priority. If the deposit is not enough to take care of all savings goals, the goal with the highest priority is allocated the amount specified in the savings method first. This is followed by the second savings goal and so on, until the deposit has been distributed. Under certain circumstances, no allocation is made to some savings goals.
All accounts and cards that belong to the e-banking agreement are shown in a standard budget in the Personal Financial Assistant. Individual accounts or cards can be excluded or summarized in self-defined budgets using "Settings > Budget Administration". Take note that an account or a card and the associated transactions can only be allocated to one budget.
Transactions can be viewed in the Personal Financial Assistant only the day after posting. Transactions conducted on the weekend can be viewed only the following Tuesday. It can also take several days in the case of credit card transactions. Please check if all accounts and cards requested have been allocated to the selected budget.
The overview shows only the transactions of the current month. At the beginning of a month it may, therefore, happen that no data is visible. You can choose the time interval under "Expenditures".
It can also happen that certain transactions have been hidden (e.g. account transfers). Such transactions can be displayed again, if you activate the option "Display hidden transactions" in the view "Expenditures" in the filter of the left-hand navigation.
When you access the Personal Financial Assistant you receive first a forecast of your financial situation in the current month.
- Account balance: the total of all accounts allocated to the budget
- Upcoming income: based on income from the previous month, since income is generally received in the same amount each month
- Upcoming expenses: based on the expenses of the same month of the previous year, since many expenses that can be planned, such as taxes or insurance, typically move in an annual cycle
- Free to spend: the current account balance plus expected income and minus expected expenses.
The use made by UBS of data you have entered is regulated by the special conditions governing the use of the personal financial assistant that you must accept when you activate the service. Data is treated as strictly confidential and is not passed on to third parties. Even your client advisor cannot access it.
You can choose whether or not you want to activate and use the personal financial assistant. If you decide to activate the service, you can deactivate it again later by contacting the support team at any time.
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