The Paycheck Savings, Month-End Savings, and Budget Savings tools work in a similar way. There is only one difference: you can set up automatic transfers of a percentage of your paycheck (first option), your month-end balance (second option), or extra funds from your budgets created in Bconomy (third option).
The Rounding off rule is a simple microsavings tool: whenever you make a purchase with your debit card (when the total price in euros is not a whole number), the change in cents is transferred to your savings account. For example, if you pay €6.50 for a tee-shirt, the difference between that amount and €7 (i.e., 50 cents) will be transferred to your savings account.
In addition to the Set up your account feature, the BBVA app features Bconomy, a tool that breaks down your expenses into different categories and subcategories so you can see where to make cuts. It also lets you compare your spending habits with those of other people with similar characteristics. By doing so, you can see if your family is above or below average.
Finally, the Expected Transactions service estimates your income and expenses for the next two months, helping you to make the best decisions in advance.