How can we help you?

Round Ups is a tool in the mobile app which when turned on will round up your debit card spend to the nearest pound and send the spare change to your Savings account. You will need an eligible current account, an eligible instant access savings account and the mobile app.

The following instant savings accounts are eligible for Round Ups:

  • Instant Saver
  • Savings Builder
  • Premium Saver
  • First Saver

How do I turn Round Ups on or off?

It's a simple process to turn on Round Ups and you can turn it on and off whenever you want. All you need to do is...

  • Login to the mobile app
  • Choose the current account that you want to add Round Ups to
  • Select 'Round Ups'
  • Choose the savings account you would like to send the Round Ups to
  • Click 'Turn on Round Ups'
  • Round Ups is now turned on

Round Ups starts working as soon as you turn it on, also applying to any debit card or contactless payments already pending. You’ll be able to see these pending transactions in your mobile app.

To turn off Round Ups

  • Log in to the mobile app
  • Choose the current account using Round Ups
  • Select 'Round Ups'
  • Tap 'Turn off Round Ups'
  • Accept the confirmation message
  • Round Ups is now turned off

When will I see my Round Ups?

Round Ups for payments clearing that day are added together and paid as one transaction. For example if today you use your debit card to make payments for:

  • £4.50 in a shop
  • £25.20 online

then £1.30 (£0.50 + £0.80) will be transferred from your current account to your savings account when the payments clear. This can take up to 4 days.

When will Round Ups not transfer money to my savings?

Round Ups won’t transfer to your savings account for the following reasons:

  • Your payment amount was a round pound e.g. £5.00
  • Your current account or chosen savings account has been closed
  • You're already in or would be taken into overdraft by the Round Ups amount
  • You have an auto transfer arrangement
  • Your debit card payment was rejected at the point of sale
  • Your debit card payment wasn’t in pounds sterling

What are the 4 numbers quoted on my Round Ups transaction description?

On your current account statement, the transaction description will show the last 4 numbers of the savings account where you are sending your Round Ups i.e. 'ROUND UP TO 8636'.

The transaction description on your savings account will show the last 4 digits of the debit card number used to make the transaction you are rounding up i.e. 'ROUND UP FROM 0453'.

In some cases, such as online purchases, the 4 digits displayed may be a temporary number which you don't recognise. Don’t worry, this is normal and will be updated.

I have a joint account. Can I use Round Ups?

Round Ups is linked to your debit card. If you have a joint current account and you turn Round Ups on, only the payments made on your debit card will be rounded up. If both parties turn Round Ups on, then both of your payments will be rounded up. You can set up separate savings accounts to have your Round Ups transferred to or if you have a joint savings account, you can both choose that too, you’ll just see 2 sets of Round Ups transactions.

If I close an account with Round Ups what happens?

Your Round Ups arrangement will stop. You can set up a new Round Ups arrangement with any eligible current account and eligible savings account that you still have open. It would be good practice to switch off Round Ups before you close the account.

Ask Cora

Cora can help you with a wide range of queries and show you how to do your banking.

Available 24/7

Find Cora in the mobile app, Online Banking or our website