This method will automatically retain a percentage of any income you receive in your bank account.Example: You receive a €1000 salary. If you set up a 5% Retention, we will automatically transfer €50 to your Goin account.Basic users can choose among 5%, 10% or 20%.Goin PRO users can customise the percentage.Keep in mind that we group all the savings transactions that occur in a day and collect them in a single charge the day after. On your card you will see the total amount charged in just one payment, the breakdown can be seen in your transactions' history within the app.