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Activate Your Change savings

Even the biggest savings may start from a small change

“Activate Your Change” savings scheme is intended for Bank clients who are Visa and MasterCard debit cardholders.
“Activate Your Change” allows cardholders to save with every purchase they make, transferring the difference between the amount of their bill and the amount rounded up into another transaction account or their cumulative savings account.
The amounts can be rounded up to EUR 0.50, EUR 1.00, EUR 2.00 or EUR 5.00, with the difference transferred onto the savings account, or any other transaction account that the payment card is not linked to.
The maximum amount per individual transfer transaction is EUR 0.49, EUR 0.99, EUR 1.99 EUR or EUR 4.99, and the minimum is EUR 0.01.

Requirements for activation of this savings scheme

  • current account that has a Visa or MasterCard debit card used for payment at POS terminals linked to it
  • a cumulative savings account opened, children’s savings account, or a transaction account other than the one that the card is linked to
  • application form filled out and signed

The transfer of change can be arranged for an existing or a newly opened euro savings account.

If a new cumulative savings account is opened for the change transfer through “Activate Your Change” scheme, there is no need for the usual minimum deposit of EUR 20.00 into the savings account.

You can apply online to activate “Activate Your Change” savings scheme.

Example 1

  • You have opted for a EUR 0.50 limit
  • Your bill is EUR 4.20
  • With “Activate Your Change”, EUR 0.30 is deposited into your savings account (a difference to EUR 4.50)

If you make 100 monthly payments averaging EUR 4.20, within one year EUR 360.00 + interest will have accumulated in your “Activate Your Change” savings account.

Example 2

  • You have opted for a EUR 1.00 limit
  • Your bill is EUR 4.20
  • With „Activate Your Change“, EUR 0.80 is deposited into your savings account (a difference to EUR 5.00)
If you make 100 monthly payments averaging EUR 4.20, within one year EUR 960.00 + interest will have accumulated in your “Activate Your Change” savings account.

You can test your savings options using our “Activate Your Change” calculator.
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