When you make a purchase, the total cost rarely adds up to a whole number (i.e., the price is typically a decimal number). The rounding off tool rounds up this amount to the next euro and automatically transfers the difference (i.e., the change) in cents to a second savings account. For example: if you go to a supermarket and the total amount is €13.45, the 55-cent difference to the next whole number (i.e., €14) will be transferred to your savings account.
Therefore, whenever you make a purchase with a debit card (with the Rounding off feature activated), a small amount of money will go toward your savings. At the end of the day, all the extra cents from your different purchases are added up and sent as a single transfer to your second account. And, want to know the best thing? There are no fees and the money will appear in your selected account on the following business day.