Stop paying more interest than you have to.
Orwanna rounds up every purchase you make on your card and sends the round-ups, multiplied, to your credit card debt. Less interest, and you finish sooner.
For iPhone and Android. 2,99 € a month, with a 2-week trial.
The problem
You pay every month. Why does the balance barely move?
On many revolving cards the minimum cuota is close to the interest. At 18 % TIN, the interest on 2.000 € is 30 € a month. Pay a 30 € cuota and the balance doesn't move.
Financiera El Corte Inglés publishes a minimum cuota of 30 € at 18 % TIN. See their page
- With a 60 € cuota
- 793 € interest over 47 months
- With 30 € more a month
- 451 € interest over 28 months
Estimate with monthly interest on the outstanding balance and the same cuota every month. Each bank applies extra payments in its own way.
Run the numbers for your cardHow it works
Your everyday purchases, against your debt.
Pay as you always do.
Same card, same bank. Orwanna reads your purchases and rounds each one up.
Choose your multiplier.
×1, ×2 or ×3. Spare change alone can disappear into the interest. The multiplier is what gets past it.
Confirm the send.
Once a week, when there's enough, you confirm in the app and again at your bank. The money goes straight to your card.
Your money
Your money never passes through us.
A licensed partner initiates each payment. Orwanna never initiates, holds or executes it: the money goes from your account straight to your debt, after you confirm at your bank.
We read your transactions to work out the round-ups. We don't sell your data. Delete your account and it's all gone within 24 hours.
More on securityHow each send is confirmed
- Orwanna proposes this week's send, with the amount.
- You confirm it in the app.
- Your bank asks you to confirm it the usual way: fingerprint, a code or its app.
- The money leaves your account and reaches your card.
Price
2,99 € a month
A 2-week trial: time for two sends.
A flat price. The same every month, whatever you send.
Orwanna makes money from the subscription. We don't sell your data.
Questions
What people usually ask
How does Orwanna make money?
From the subscription: 2,99 € a month, after a 2-week trial. It's a flat price, the same whatever you send. We don't sell your data.
Does Orwanna touch my money? Is this allowed?
It doesn't touch your money. A licensed partner initiates each payment. Orwanna never initiates, holds or executes it: the money goes from your account straight to your debt, after you confirm at your bank. Reading your transactions and requesting payments uses European open banking (PSD2): you give permission at your own bank and can withdraw it whenever you like.
How is this different from a round-up savings app?
The mechanic is similar. The direction isn't: savings apps move your change into a pot. Orwanna sends it to a balance charging around 18 to 20 %, where the return is the interest you stop paying.
Which cards and banks work?
Revolving cards from Spanish issuers, if your bank can be connected. You find out when you connect it, before the trial starts. We're checking how each issuer applies extra payments, card by card, and we'll say which ones are confirmed.
Will round-ups clear my debt on their own?
Not usually, and we won't pretend otherwise. They add to your cuota. The multiplier makes the difference big enough to count.
The interest you stop paying is yours to keep.
Download Orwanna. A 2-week trial, then 2,99 € a month.
Placeholder links until the app is published.