Hi @helen38,

Welcome to the QuickBooks family. I can provide clarification about using the bank rule feature.

You should be able to include cents when creating a bank rule in QuickBooks. To avoid an error message, please make sure to select Amount (R) instead of the Percentage (%) option.

Here's how:

1. On the left navigation bar, click Banking.
2. Go to the Rules tab.
3. Press New rule.
4. Below Split by, choose Amount (R). 
5. Enter the necessary information.
6. Hit Save. 

For more information, as well as how to upload existing bank rules, I recommend the following article: Setup bank rules to categorise online banking transactions in QuickBooks Online

Keep us posted if you need anything else regarding the setup. Have a great day!