You can create auto transfer rules to automatically move funds between your personal account. These rules help you maintain target balances, split income, or keep certain accounts clear—so your cash flow stays organized without manual effort.
Choosing the right rule
We currently support three types of auto transfer rules:
Maintain a target balance
Keep an account at your set target by transferring funds in when the balance drops too low, or out when it exceeds the target or range. Runs once daily at 3pm UTC. Ideal for keeping payroll or operational accounts consistently funded.
Dispute or sweep funds between accounts
Split incoming funds across accounts based on custom percentages. This rule can run per transaction, daily at 3pm UTC, or twice a month (1st and 15th). You can configure this rule to move 100% of the balance to zero-out a receivables account or with less than 100% to allocate income or set aside funds for taxes automatically.
Transfer a set amount
Move a set dollar amount to another checking or savings account within your account on a recurring basis. This rule can be configured to run: daily, on specific weekdays, or a certain day of the month. Good for routine funding or vendor payments.
Adding a rule
Only admins can add, edit, or remove auto transfer rules.
To add a rule:
- Head to your Accounts overview page
- Navigate to the Auto transfer rules tab
- Scroll to the bottom to view available rule types
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Select a rule and specify:
- The account you want to apply it to
- The destination account(s)
- Any required details (e.g. target balance, transfer amount, or percentages)
- Review and confirm the rule. You’ll see when the first transfer will occur—it may be immediate depending on the rule
Editing or removing a rule
- Head to your Accounts overview page
- Navigate to the Auto transfer rules tab
- At the top, view currently active rules and their connected accounts
- Click the three dots next to the rule and select Edit Rule or Remove Rule
Frequently asked questions
Can I set up auto transfers with external accounts?
No. Auto transfers can only be created between your personal account between checking and savings accounts.
Why can’t I select a specific account?
This happens when an account you're selecting is already included in another set of rules. Only one rule is allowed per checking/savings account. This limitation helps prevent funds from cycling between accounts. If you have specific questions about this, feel free to reach out to us at personal@mercury.com and we can take a closer look.