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How do Round-Ups work?

Learn how automatic round-ups work on Bitstack, how your purchases are rounded up and invested in Bitcoin, and when payments are charged.

Alexandre Roubaud avatar
Written by Alexandre Roubaud
Updated this week

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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