FAQs

A regularly curated list of the most commonly asked questions by Harmoney customers.

Ana Wedlock avatar
1 author107 articles

What if I have more than one bank account?Bank transaction retrieval, add another bank, more than one bank account
How much bank transaction data do you access?Automated bank transaction retrieval, bank login
Why should I let you retrieve my bank transaction data?Automated bank transactions retrieval, bank login
How do I know this service is secure?Bank transaction retrieval security
What is automated bank transaction retrieval and what is it for?Automated bank transactions retrieval, bank login
How do you access my bank transaction data?How bank transaction data retrieval works
Can I add more than one bank account?Income goes into another bank account. Adding another bank
How do you know about my debts?Sourcing your debts. Finding your debts.
What is a liability?Learning about liabilities or debts
What is the difference between a liability and an expense?Differences between a liability and an expense
Is rent a liability?Understanding if rent is a liability
I own a house with a mortgage. Is it still an asset?Is a mortgage an asset?
What is an asset?Assets
I share assets with my partner. Do I enter the full value of all of our assets or just my share?What to do in the case of joint assets. Shared assets.
What are ‘expenses’?What are my expenses?
I share expenses with my partner. Do I enter only my share, or all expenses?What to do in the case of joint expenses. Shared expenses.
Getting stuck on the expenses page?Stuck on part 3 of 5 of Financial Details
What is my ‘income’?Regular income, completing the income page
Why is my regular income not showing on my bank statement?Income not showing, not picking up my income
Should I include changes to my partner’s income?Expected changes to my income. Changes to partners income.
Why is it important that the my repayment frequency, monthly amounts and interest rates are true and accurate?Making the details accurate
There is a liability missing. What do I do now?Adding a liability

Can I change my repayment frequency later on?
Can you remind me when my direct debit is due to go out?
What if my direct debit payment falls on a weekend or public holiday? Will I incur any fees?
What happens if I miss a direct debit payment?
What happens if I miss my monthly required payment?
Can I make additional or voluntary payments?
What’s the difference between my required payments and my direct debit payments?
What if my direct debit falls on a weekend or public holiday? Will I incur any fees?Debits and payments due on public holidays or weekends
How do I know how much to pay and when?Knowing your loan commitments
What do I have to repay?Understanding your commitments
Deferring repaymentsCan I defer my payment that’s due?
When will I be charged for a late fee?Overdue fees or late fees. Missed payment. Cannot make payment in full.
If I am concerned, or something in my financial situation life changes, who do I call?If my financial situation changes, or I'm concerned about making my repayments for any reason, what should I do?
Can I get help if I suffer hardship?Hardship
If I pay my loan off early how much interest will I pay?Early repayment. How interest is applied.
Paying your loan off earlyGetting a payout estimate, closing balance or final statement. Making additional payments. Increasing repayments.
How do I pay out my loan in full?Paying out your loan. Getting a payout estimate, closing balance or final statement.
Increase your repaymentsHow to increase your repayments
Make additional or voluntary paymentsHow to make additional, extra or voluntary payments