Round-ups to pay off a card debt

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.

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.

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.

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 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.

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.