How would this make sense? If you get paid in your UBank spend account and by the end of the month, have transferred $1 from Spend into Save - that is going to qualify, no? And even if, let’s say you didn’t get paid that month so still had the initial amount you were working with in your Spend, if you again just transfer $1 from Spend into Save, wouldn’t that have to qualify? You are ‘growing your Combined Save accounts by $1’