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How do Round-Ups work?

Alexandre Roubaud avatar
Written by Alexandre Roubaud
Updated over 2 months ago

💡 How do round-ups work?

When you make a purchase from one of your linked accounts, Bitstack rounds it up to the next euro and automatically invests the spare change in Bitcoin.

🧾 Example:
You buy a coffee for €2.60 → Bitstack rounds it to €3.00 and invests €0.40 in Bitcoin.

Each week, Bitstack adds up all your round-ups and charges one payment from your preferred card on Sunday evening 💸
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👉 You can track round-ups in Savings > Round-Ups, and see your transfers in the Activity tab.

📌 Note: If your weekly round-ups total less than €1.00, Bitstack will still charge a minimum of €1.00.

🔁 Why use round-ups to invest?

Instead of trying to "time the market", Bitstack follows the Dollar-Cost Averaging (DCA) strategy — investing smaller amounts regularly to reduce the impact of market volatility 📉📈

💳 What types of payments are counted?

Bitstack counts all debits from your linked bank account:

  • Card payments (in-store, online, contactless)

  • Apple Pay / Google Pay payments

  • SEPA transfers

  • Direct debits

  • ATM withdrawals

🔄 How do I change the card used for withdrawals?

  1. Go to the Savings tab

  2. Tap Round-Ups

  3. Under Payment method, tap your current card

  4. Choose your preferred card or add a new one ✅

📆 Can I view my round-up history?

To protect your privacy, Bitstack does not store round-up history from past weeks.
However, you can view your current week’s round-ups:

  1. Tap the Savings tab

  2. Tap Round-Ups

  3. Select View round-up transactions

❌ What if my round-up payment failed?

No worries — you can retry the payment manually:

  1. Go to the Activity tab

  2. Tap the failed transaction

  3. Select Retry

  4. Follow the steps to complete your payment

If you don’t see the Retry button, you can simply make a one-time investment for the same amount.

👥 What about joint accounts?

If you link a joint account, Bitstack will calculate round-ups on all visible transactions, no matter which card was used.
Round-ups will be charged once a week, from the card of your choice, every Sunday evening 💳

🌍 Can I use round-ups with other currencies?

Currently, round-ups only work with Euro accounts (€).
If you link an account in CHF, USD, or another currency, those transactions won’t be included.

👉 For multi-currency accounts, only euro transactions are considered.

💰 Are there any fees on round-ups?

Yes, round-ups have the same fees as one-time or recurring card investments.
Fees are applied once per week on the total amount of round-ups — not per transaction.

📊 Example: You accumulate €26 in round-ups this week → fees are applied once on the €26 total.

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