top cx logo
cx logo
Explorearrow down
search icon
arrow down

French banks that round up cents on purchases and send to savings

Many online banks and apps offer this ‘pain free’ way of saving - we look at how it works

A €2.50 coffee could be rounded up to €3 and €0.50 transferred to a savings account Pic: Tyler Olson / Shutterstock

Most people in France (80%) put their savings into a state-regulated Livret A bank account, but it is not the only way to look after the centimes

Many online banks and apps now offer customers round-up services, known as arrondis

They allow the change from smaller purchases to be deducted and put into a savings account. 

For example, a €2.50 coffee could be rounded up to €3 and €0.50 set aside. Done regularly, it can soon become a tidy sum. 

Read also: France will keep Livret A savings rate the same for next 18 months

Round up method with a twist

Most apps round up the purchases to the nearest euro, but there are exceptions. 

LCL customers can increase it to €5, and even split their savings between their account and a charity. 

Ma French Bank also offers the chance to give to a good cause, as well as a choice of saving options. 

Customers can either have up to €5 saved from purchases over €15, or set a percentage. 

Plum users can automatically add an extra euro to the amount rounded up. 

N26 allows users to multiply what they round up by one, two, three or five times.

Banking app Ismo does things slightly differently. Each Monday, if you have accumulated at least €5 in rounded-up savings, it takes that money and invests it.

If you do not meet the €5 threshold, it rolls to the next week. 

Related articles

Tips for reducing your bank charges in France

Are you eligible for France's tax-free 6% interest savings account?

What are comptes à terme and why are they popular in France?

Resident or second-home owner in France?
Benefit from our daily digest of headlines and how-to's to help you make the most of life in France
By joining the newsletter, you agree to our Terms & Conditions and Privacy Policy
See more popular articles
The Connexion Help Guides
featured helpguide
Healthcare in France*
Featured Help Guide
- Understand the French healthcare system, how you access it and how you are reimbursed - Useful if you are new to the French healthcare system or want a more in-depth understanding - Reader question and answer section Aimed at non-French nationals living here, the guide gives an overview of what you are (and are not) covered for. There is also information for second-home owners and regular visitors.
Get news, views and information from France