> Full index: [llms.txt](https://orwanna.com/llms.txt)

# Round-ups to pay off a card debt

Rounding up your purchases and sending the difference to the card is a small, steady extra payment. With €2,000 at 18% TIN and a €60 payment, adding about €45 of round-ups a month cuts the time from 47 to 23 months and the interest from €793 to €373.

Filip Sardjoski ([About](https://orwanna.com/en/about/)) · Updated: 16 October 2026 · Reviewed by: Not yet

## What is a round-up toward debt?

Each card purchase is rounded up to the next euro and the difference goes toward an extra payment on your debt. A €3.40 purchase leaves €0.60.

You can multiply that round-up by 2 or 3 so the extra payment grows faster. At ×3, the €3.40 purchase adds €1.80.

In Orwanna, once the round-ups add up, you give your OK in your own bank and your bank sends that money to the card. Orwanna never holds or moves your money.

## Why does a small extra payment shorten the time so much?

Because every extra euro goes straight to the debt, and the next month you pay interest on less.

With €2,000 at 18% TIN, the card charges €30 of interest in the first month. If you pay €60, only €30 lowers the debt. If you add €45 of round-ups to that €60, the debt goes down by €75: two and a half times as much. And because the balance falls sooner, the interest is lower every month after.

## How much sooner do you finish?

It depends on how many purchases you make a month and the multiplier you choose. With 30 purchases a month at ×3, the example finishes 24 months sooner and costs €420 less in interest.

Without round-ups, the example debt takes 47 months to reach zero and costs €793 in interest.

| Purchases a month | Multiplier | Round-ups a month | Months to zero | Interest | You save |
|---|---|---|---|---|---|
| 20 | ×1 | €10 | 38 | €631 | €162 |
| 20 | ×3 | €30 | 28 | €451 | €342 |
| 30 | ×1 | €15 | 35 | €573 | €220 |
| 30 | ×3 | €45 | 23 | €373 | €420 |
| 40 | ×1 | €20 | 32 | €526 | €267 |
| 40 | ×3 | €60 | 20 | €319 | €474 |

The table assumes each round-up is worth about €0.50 on average, that your payment doesn't change, and that you pay off what you spend each month, so only the balance you already had goes down.

**When will you finish?** Enter your balance, TIN and payment. You'll see how many months you have left and how much interest you pay, with and without round-ups. [Open the calculator](https://orwanna.com/en/calculator/)

## Is Orwanna worth what it costs?

Orwanna costs €2.99 a month. In the example of 30 purchases at ×3, that's €68.77 over 23 months, against €420 of interest you no longer pay.

With few round-ups the difference is small. With 20 purchases a month at ×1 you save €162 of interest over 38 months, and the subscription comes to €113.62 over that time.

| Purchases a month | Multiplier | You save | Orwanna over that time | Difference |
|---|---|---|---|---|
| 20 | ×1 | €162 | €113.62 | €48.38 |
| 30 | ×1 | €220 | €104.65 | €115.35 |
| 30 | ×3 | €420 | €68.77 | €351.23 |
| 40 | ×3 | €474 | €59.80 | €414.20 |

## Can I do the same without an app?

Yes. Raising your monthly payment or making extra payments to the card has the same effect on interest as a round-up of the same amount.

If you can raise your payment by a steady €45 a month, you get the same result as the example without paying anything more. Round-ups help if setting that money aside in one go is hard: the extra payment is tied to what you spend and you don't have to remember to make it. The [guide to getting out of revolving debt](https://orwanna.com/en/guides/get-out-of-revolving-debt/) explains how to raise your payment or make extra payments.

## How is it different from savings round-ups?

Round-ups at N26, Revolut or BBVA send the difference to a savings space, an account or an investment, not to your debt. While you owe money on a revolving card, those savings don't lower the interest the card charges you.

| | N26 | Revolut | BBVA |
|---|---|---|---|
| Name | Redondeo | Redondeo | Redondeo en compras |
| What gets rounded | Payments with your N26 cards | Transactions with the cards on your account | Purchases with your BBVA debit card |
| Where it goes | To a Space, an N26 sub-account | To a Pocket, the interest-bearing Cuenta Remunerada, crypto purchases or RevPoints | To a BBVA account, or a BBVA pension plan or investment fund |
| Multiplier | ×1, ×2, ×3 or ×5 | ×1, ×2, ×3, ×4, ×5 or ×10 | Its page doesn't mention one |

None of the three says on its pages that round-ups can pay a credit card. N26 explains that the feature only moves money from the main account to a Space, and BBVA that if you want the money back out of the destination account, you have to move it yourself.

The difference is what each euro earns. Revolut publishes a rate of between 1.15% and 2.27% AER for its Cuenta Remunerada, depending on the plan. The average APR (TAE) of the ten revolving cards in Asufin's 2025 survey is 23.34%. While you have both, a euro that lowers the debt saves you more than a euro saved.

If you already use one of these round-ups, you can do the same by hand: every so often, check what has built up and send it to your card as an extra payment.

## Sources

1. [Redondeo](https://support.n26.com/es-es/app-y-herramientas/espacios/redondeo), N26, Centro de Ayuda
2. [Redondeo](https://help.revolut.com/es-ES/help/app-features/vaults/how-do-spare-change-round-ups-work/), Revolut España, help
3. [Abre una Cuenta Remunerada con Revolut](https://www.revolut.com/es-ES/savings/open-a-savings-account/), Revolut España
4. [Programa tu cuenta para ahorrar mejor](https://www.bbva.es/personas/banca-online/programa-tu-cuenta.html), BBVA
5. [Cómo operar con las reglas de Programa tu cuenta](https://www.bbva.es/finanzas-vistazo/ef/ahorro/reglas-programa-tu-cuenta.html), BBVA, updated 28 July 2025
6. [IX Barómetro de tarjetas revolving](https://www.asufin.com/wp-content/uploads/2026/02/251212_IX_BAROMETRO_REVOLVING_DICIEMBRE_2025.pdf), Asufin, December 2025

## Read next

- [Get out of revolving debt](https://orwanna.com/en/guides/get-out-of-revolving-debt/): Stop using the card's credit, raise your payment or switch to paying in full, and make extra payments when you can: every extra euro goes straight to the debt. With €2,000 at 18% TIN, raising the payment from €60 to €100 cuts the time from 47 to 24 months and the interest from €793 to €396.
- [Minimum payment or fixed instalment](https://orwanna.com/en/guides/minimum-payment-vs-fixed-instalment/): If you pay a percentage of what you owe, the payment falls along with the debt and the time stretches out a lot. In the example, €2,000 at 18% TIN paid at 3% of the balance, with a €25 minimum, takes 103 months and costs €1,463 in interest; at a fixed €60, 47 months and €793.
- [Pay it off, consolidate or claim?](https://orwanna.com/en/guides/pay-off-vs-consolidate-vs-claim/): If you can pay more than the interest each month, paying the debt down sooner is the simplest option and depends on no one else. If you can get a much cheaper loan, consolidating may save you more; if your interest was far above the average, it may be worth looking into a claim; and if you can't pay, the Segunda Oportunidad law lets debts be cancelled under conditions.

**General information, not financial or legal advice.** For help or to complain: [Banco de España's Portal del Cliente Bancario](https://clientebancario.bde.es/pcb/es/), [Asufin](https://www.asufin.com/), [OCU](https://www.ocu.org/), [FACUA](https://facua.org/), [ADICAE](https://www.adicae.es/).

## The interest you stop paying is yours. Sign up.

Coming to iPhone and Android. Join at [https://orwanna.com/en/guides/round-ups-for-debt/#join](https://orwanna.com/en/guides/round-ups-for-debt/#join).

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Page: https://orwanna.com/en/guides/round-ups-for-debt/