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investec-tools's Introduction

investec-tools

This is a repo with various tools that make use of Investec's Open API.

This is a small script that can be used to keep your Investec accounts in-sync with your You Need A Budget (YNAB) budget.

This is a script that keeps your transactional account at a minimum while putting the rest in your daily calculated savings/loan account.

investec-tools's People

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remejuan

investec-tools's Issues

[Q] Minimum balance considerations

Hi there,

Love what this script can do but I was wondering, and maybe I am overthinking things.

How would the minimum balance vs "debit order date" work, would it be viable to consider factoring that in (happy to do the work and PR).

My thinking says my general minimum is R2000, however on the first of the month medical, bond, car, life, etc all go off and depending on who you are that could run 10/20/30k maybe even more, in this case, one would definitely be tapping onto their facility, albeit for less than an hour.

Not sure if the bank would not charge interest for that or for the hour/day.

On that day or even an hour, the 2k is far less than 10k ensuring you would hit your facility.

Would it be worth adding optional ENV variables, an array for debit order dates (cause we can almost never get them to all be on the same date), and then an alternative minimum for those dates?

So something like

if (arr.includes(new Date().getDate())) {
    minimumBalance = debitOrderMinimBalance;
}

Or something like that.

Question

Hi Frikkie,

Just a quick one, I don't see the transfer endpoints listed on the Programmable Banking API documentation page. Is this a bleeding edge feature not everyone has access to yet?

Automate the setup process

This is awesome!

I recently had a similar idea and am very happy to have found that it has already been implemented.

I am keen to investigate setting this up on my end, and would ideally automate the setup process as part of that.

Wondering if you would be interested in me seeing if I can give that a go and creating a PR to this repo?

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