I suspect this is an issue with the app using my credit account as the default instead of my cheque account. I added a beneficiary and tried to make payment but it failed due to R0.00 EAP limit. That is the case on credit, not on cheq.
No response yet but have discovered it is due to the Dashboard I am using. My personal db is associated with my credit card (no beneficiaries, EAP Limit R0.00). Switching to the supplied "Overview" db, my beneficiaries are visible and my EAP Limit is > R0.00.