What it is
Money you chose to send somewhere automatically before it hits your bank: to a savings account, an insurance company, rent, or a charity. Discretionary allotments are set up and stopped by you in myPay.
2026 rate
Whatever you configured.
What goes wrong
Audit your allotments once a year. Old allotments to accounts or insurers you no longer use keep flowing forever because nobody but you will ever stop them. This is also a known fraud channel: an allotment you did not create is a red flag to act on the same day.