Documentation

Fee schedules

A fee schedule links a fee schedule template to a specific savings or loan account. When a fee schedule is active, fees are calculated and applied automatically whenever the client performs a qualifying transaction.

Viewing fee schedules on an account

Fee schedules are displayed on the Fee Schedules tab on the savings or loan account detail view in Symba Microbanking. The tab shows all schedules linked to the account, along with their active date range and current status.

Adding a fee schedule to an account

Prerequisites

A fee schedule template must already exist in Symba Payments before you can link it to an account. See Fee schedule templates.

Steps

Open the savings or loan account in Symba Microbanking.
Click the Fee Schedules tab.
Click Add Fee Schedule.
Select a Fee schedule template. The name is pre-filled from the template and can be changed.
Optionally set a Start date and End date to limit when the schedule is active.
- The start date is inclusive — the schedule becomes active from the beginning of that day.
- The end date is exclusive — the schedule is no longer active from the beginning of that day.
- Leave both empty for the schedule to remain active indefinitely.
Click Save.

Only one fee schedule of each type can be active on an account at any given time. For example, a savings charges schedule and an agent commissions schedule can coexist on the same account, but two savings charges schedules cannot overlap. If an existing schedule of the same type would overlap with the new one, a warning is shown before saving.

Adding a fee schedule during account creation

When creating a savings account, you can assign a fee schedule template directly in the account creation form. This creates a fee schedule linked to the new account as soon as the account is saved.

Temporarily disabling a fee schedule

A fee schedule can be disabled without deleting it. When disabled, the fee schedule is not applied to transactions even if the date range is active. To disable a schedule, open it from the Fee Schedules tab and toggle the enabled status.

Fee preview during transactions

When a client performs a transaction that triggers a fee, the fee amount is shown before the transaction is confirmed:

In Symba Payments, the fee is displayed in the transaction form alongside the transaction amount. Users authorized to adjust fees can modify or waive the calculated fee before confirming.
On USSD, the client is shown the fee amount and asked to confirm before the transaction is submitted.

Fees on USSD transfers

On USSD, clients can transfer money from their savings account to a person, a paybill number, or a till number via mobile money. These transfers are processed as withdrawals from the savings account, so any active fee schedule with a withdrawal rule matching the mobile money payment method will apply. The calculated fee is shown to the client before they confirm the transfer.

Transfers between accounts within the same organization (for example, from one client's savings account to another) are processed as internal account transfers and do not trigger fee calculation.