Revolut RevPoints Spare Change: How It Works

For example, if you pay €2.46 for a coffee and the payment is rounded up to €3.00, the difference is €0.54. With RevPoints Spare Change enabled at the basic round-up setting, that amount can be used to buy points at the conversion terms applicable to your account.

You still pay the original purchase amount to the merchant. The extra amount is allocated towards acquiring RevPoints. It is therefore important to distinguish the merchant payment from the separate amount used for points.

Revolut also offers round-up features for other purposes, such as adding money to certain Pockets or savings products. RevPoints Spare Change is different because the round-up amount is exchanged for loyalty points rather than remaining in a cash savings balance.

The rounding increment is not identical for every currency. Revolut publishes different rounding rules for certain currencies, so international users should not assume that all payments are rounded to the next single currency unit.

These are fictional purchase amounts illustrating the standard euro round-up calculation. They do not represent actual account transactions, guaranteed charges or point purchase rates. Multipliers and country-specific rules can change the result.

In the first example, the merchant receives the original €2.46 payment, while the illustrative additional €0.54 is used for the RevPoints purchase. The amount of RevPoints received must be determined using the applicable rate displayed by Revolut.

A multiplier does not make the points free or increase the merchant’s original purchase price. Instead, it increases the separate amount allocated towards buying RevPoints.

This table demonstrates multiplication mathematically, not a verified list of multipliers available to every RevPoints account. The settings and processing rules displayed in your app take precedence.

Revolut’s official instructions explain that a multiplier increases the amount used to buy points. Customers can manage the setting in the Spare Change section of the app.

A higher multiplier may make a small purchase trigger a much larger points purchase amount. That is why checking the setting matters, especially if you make frequent card payments.

Someone making many small card purchases could generate round-ups frequently. Even modest amounts can add up over a month, especially with a multiplier greater than 1x.

In this hypothetical situation, the customer would use €20 during the month to buy RevPoints at the basic 1x setting. At a hypothetical 3x multiplier, the amount would become €60.

That money is not simply moved into a regular savings balance. It is used for a loyalty points purchase, so the transaction should be evaluated differently from transferring spare change into savings.

Revolut’s terms instruct customers to review the exchange rate shown when enabling Spare Change. The applicable rules can vary between markets and programme versions, so there is no reliable reason to assume one universal purchase rate across every country.

To understand a particular purchase, inspect the rate offered by Revolut and the number of points you will receive before enabling the feature or accepting a change.

Does the Spare Change purchase rate equal the redemption value?

No. The amount you pay to acquire RevPoints is not a guarantee that you can later redeem those points for an equivalent cash saving.

RevPoints do not have a fixed cash value. A reward’s practical benefit depends on the number of points required, the price of an equivalent alternative and any additional fees or restrictions.

Our RevPoints Value Guide explains how to calculate the practical value of a specific redemption without inventing a fixed cash rate.

For example, an eligible supermarket purchase could generate regular RevPoints under your plan’s earning rate while also triggering a separate Spare Change points purchase if the feature is enabled.

The regular points award and the points purchased through the round-up are not interchangeable concepts. Counting purchased points as free earnings would exaggerate the apparent benefit of the loyalty programme.

Our How to Earn RevPoints Guide covers the other supported earning activities in more detail.

The exact navigation can vary between app versions. Revolut’s help pages describe both an Earn > Spare Change route and a RevPoints settings toggle. Use the instructions matching the interface shown on your account.

For the latest instructions, consult Revolut’s official Spare Change help page.

Open RevPoints, locate the earning or settings area and select Spare Change. Review the purchase rate and applicable conditions before choosing the option to enable the feature.

If multiplier settings are available, select the amount you intend to use and save the setting. Be aware that increasing the multiplier can increase the money spent on points after card payments.

If you previously directed round-ups into a Pocket or savings product, check the destination of future round-ups before switching to RevPoints. Buying points is not the same as saving cash.

This means that switching the feature off generally prevents additional round-up purchases but does not by itself reverse previous points purchases.

Some published programme terms describe a limited withdrawal right following initial RevPoints enrolment, subject to the conditions and unused points requirements specified in those terms. Those rights should not be confused with a general ability to undo individual points purchases whenever desired.

If you believe a points purchase was unauthorised, incorrect or subject to an applicable withdrawal right, review the official terms for your country and contact Revolut Support.

Revolut’s published personal RevPoints terms in the reviewed markets generally describe a three-year points validity period. Confirm the expiry dates displayed for your account, including any specific terms affecting purchased points.

Closing a Revolut or RevPoints account can also affect an unused balance. Review the relevant conditions before closing an account or leaving purchased points unused for long periods.

Our RevPoints Expiry Guide covers validity dates and the rules governing expiring points.

Buying RevPoints may suit customers with a specific redemption in mind, but it is not inherently a way to save money. Without knowing the applicable purchase rate and realistic redemption benefit, no guaranteed advantage can be calculated.