# Orwanna

> 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.

Orwanna is an app for people in Spain paying off a revolving credit card. It reads the user's card purchases (with their permission, through open banking), rounds each one up, applies a multiplier the user chooses (x1, x2 or x3), and once a week proposes a payment of those round-ups to the user's card debt. The user confirms it in the app and again at their own bank.

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.

Price: 2,99 EUR a month after a 2-week trial. Orwanna makes money from the subscription. We don't sell your data.

Every payoff date or interest figure Orwanna shows is an estimate based on the user's own figures ("at this pace").

## Pages (Spanish, the main language)

- [Orwanna: deja de pagar intereses de más](https://orwanna.com/): Orwanna redondea tus compras y envía los redondeos, multiplicados, a tu tarjeta revolving. iPhone y Android. 2,99 € al mes, 2 semanas de prueba.
- [Calculadora de tarjeta revolving](https://orwanna.com/calculator): Elige tu tarjeta, escribe lo que debes y lo que pagas al mes. Mira cuánto tardarías en pagarla y qué cambia con los redondeos. Sin registro.
- [Por qué el saldo de tu tarjeta revolving casi no baja](https://orwanna.com/guides/minimum-payment): Cuando la cuota se acerca a los intereses, casi todo lo que pagas se queda en intereses. Un ejemplo con cifras y qué puedes mirar en tu contrato.
- [Seguridad](https://orwanna.com/security): Cómo se mueve el dinero con Orwanna, qué leemos de tu banco y qué no hacemos nunca.
- [Privacidad](https://orwanna.com/privacy): Qué datos trata Orwanna, en la web y en la app, para qué y cómo pedir que los borremos.
- [Política de cookies](https://orwanna.com/cookies): Qué cookies usa orwanna.com, cuáles esperan a que aceptes y cómo cambiar tu elección.
- [Términos de uso](https://orwanna.com/terms): Las condiciones de Orwanna: qué hace la app, cómo se mueve el dinero, la prueba de 2 semanas, la suscripción y cómo desistir.
- [Aviso legal](https://orwanna.com/legal): Quién está detrás de orwanna.com y de la app Orwanna: titular, actividad, precio y uso de la web.

## Pages (English)

- [Orwanna: stop paying more interest than you have to](https://orwanna.com/en): Orwanna rounds up your card purchases and sends the round-ups, multiplied, to your revolving card debt. iPhone and Android. 2,99 € a month, 2-week trial.
- [Revolving card calculator](https://orwanna.com/en/calculator): Pick your card, type what you owe and what you pay each month. See how long it would take to pay off and what round-ups change. No sign-up.
- [Why your revolving card balance barely moves](https://orwanna.com/en/guides/minimum-payment): When the cuota is close to the interest, almost everything you pay goes to interest. A worked example and what to check in your contract.
- [Security](https://orwanna.com/en/security): How money moves with Orwanna, what we read from your bank and what we never do.
- [Privacy](https://orwanna.com/en/privacy): What data Orwanna processes, on the website and in the app, why, and how to ask us to delete it.
- [Cookie policy](https://orwanna.com/en/cookies): Which cookies orwanna.com uses, which wait for you to accept, and how to change your choice.
- [Terms of use](https://orwanna.com/en/terms): The Orwanna terms: what the app does, how the money moves, the 2-week trial, the subscription and how to withdraw.
- [Legal notice](https://orwanna.com/en/legal): Who runs orwanna.com and the Orwanna app: owner, activity, price and use of the website.

## Questions

- 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.

## En español

> Deja de pagar intereses de más. Orwanna redondea cada compra que haces con tarjeta y envía los redondeos, multiplicados, a la deuda de tu tarjeta. Menos intereses, y terminas antes.

Un socio con licencia inicia cada pago. Orwanna nunca lo inicia, retiene ni ejecuta: el dinero va de tu cuenta directamente a tu deuda, después de que lo confirmes en tu banco.

## Optional

- [Full text of every page](https://orwanna.com/llms-full.txt): every public page in Spanish and English as plain Markdown, built from the same sources as the pages.