With smart rules (the name for the automation feature) you choose the api-connected account you want to monitor and provide characteristics of transactions you want to detect in that account (like a specific bank transfer reference, a specific value range, etc). You then nominate the manual (offline) account you want to link the detected transactions to. So if you have set it to monitor for transactions from your current account with the reference “To Zopa” (for example) it will deposit that amount into your manual Zopa account and will will see a list of the smart-rule-applied transactions in that account.
It works well with most accounts, but unfortunately not with Monzo or Starling. The issue is Emma does not pull in bank transfer references from Monzo or Starling making it impossible to define precise rules. The issue was acknowledged over two years ago, but it doesn’t seem a high priority issue as it hasn’t been fixed.
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Re goals…
You can assign single savings goals to single savings accounts. But I don’t think you can assign multiple goals to a single savings account. Also, I don’t think you can map multiple accounts to a single goal.