Round-ups
Every card payment rounded up to the next dollar, the change moved to a pot.
The rule, drawn to scale
Each ruler is the last dollar of a payment, 100 cents wide. Ink is what you paid, raspberry is the change that moved, the teal tick is the next whole dollar.
- A $3.40 coffee: 40 cents paid, 60 cents to your pot
- A $12.00 cinema ticket: exact dollars, no round-up
- Round-ups move when the payment is final, usually the next day
Three payments, three cases (sample)
PaidChange to your potNext whole dollar
- CoffeeMon3.40+0.60
- CinemaThu12.00No round-up
- PharmacyFri6.09+0.91
Moved to your pot+1.51
Doubled round-ups on Plus (sample)
PaidChange to your potNext whole dollar
- CoffeeMon3.40+1.20
- Bus fareMon2.75+0.50
- GroceriesTue23.18+1.64
To the Rainy day pot+3.34
Doubled on Plus and Duo
The second strip is the matched change: the same amount again, moved from your balance. Switch it off in the app whenever you like.
Plus costs $3.00 a month (Example prices).
Questions about round-ups
Which payments are rounded up?
Card payments in shops and online. Transfers, direct debits and cash withdrawals are not.
What if my balance is low?
If a round-up would take your balance below $5.00, it waits until money comes in (sample).
Can I choose the pot?
Yes. Round-ups go to one pot at a time; change it in the app whenever you like.
Can I switch round-ups off?
Yes, with one switch. The change already in your pots stays there.
Get the app and open an account in minutes
You need your phone, photo ID and about ten minutes. Downloading the app is free, and so is the Free plan (Example prices).