Money set aside for something specific, kept apart from your spending balance so you can actually answer the question of how much you have put by.
Set a target if you have one and an amount to sweep in on a cycle if you want it to build without you thinking about it. Some plans lock for a period; those pay more, and breaking the lock early costs something you will be shown before you do it.
Yes. On a locked plan it costs the penalty for that plan, and you are shown exactly what you will receive before you confirm.
Plans differ in whether they lock, for how long, and what breaking the lock costs.
Name it for what it is for. Set a target if you have one — reaching it completes the vault by itself.
Add money whenever, or set an amount and a cycle and let it sweep in on its own.
After maturity it costs nothing. Before, on a locked plan, the penalty is shown and has to be confirmed.
Each of these is enforced in the software rather than stated as a policy. A policy can be broken; these cannot.
A withdrawal that would cost a penalty is refused unless it arrives explicitly confirmed. It is not possible to lose money here to a charge that was never put in front of you.
Every vault has its own balance rather than being a number subtracted from your main one. That is what makes 'how much have I actually got aside' a question with an answer.
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