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Round up your payments and save


Automatically save money when you spend money by rounding up your transactions to the nearest $1, $5, or $10 – it's that simple!

How do you pay and save at the same time?

Set up

You’ll need a BCU Access Account for rounding up your card purchases as well as an iSaver or Bonus Saver account for your rounded up savings.


Switch on

Activate Pay&Save in the BCU Bank app to automatically build your savings.



Watch your everyday purchases round up to the nearest $1, $5, or $10, and hit your savings account every time you spend.

Sound easy?

Pay&Save is the digital equivalent of tossing your loose coins (or small notes!) in a jar. It soon adds up because every time you pay, you’ll save!

You’ll be on your way to buying that pair of shoes, a weekend away, or adding to your house deposit in no time at all.

Let’s look at a hypothetical day’s spending and round it up to the nearest $5:

You buy It costs Round up You save
Lunch $10.50 $15.00 $4.50
Fuel $60.10 $65.00 $4.90
Dinner groceries $26.90 $30.00 $3.10
Movie tickets $23.00 $25.00 $2.00

Total transferred to your BCU savings account  


Not ready to start rounding up to the nearest $5 just yet? Round it up to the nearest $1 instead – if you save only $2 a day using Pay&Save, that’s $730 a year!

Is Pay & Save for me?

If you struggle to get into the habit of saving money then Pay&Save is for you. It's automatic, convenient, and you'll likely even forget about it until you see the difference it has made to your BCU savings account balance.

If you are already good at budgeting and saving it’s an easy way to save even more.

How does it work?

Once you've set up Pay&Save, use your Access Account Visa Debit card for your everyday purchases to start saving.

A few things to note:

  • Eligible savings account are the iSaver and Bonus Saver. 
  • You can direct your savings into another BCU member's account. For example, a parent can have the rounded amount transferred to a child’s savings account.
  • The round up will only occur if there is an available balance at the end of the day.
  • Pay&Save is not available on two-to-sign accounts.

Start saving today

It's easy to set up Pay&Save with BCU.

What you'll need:

An existing BCU member

If you're a member, there are easy ways to turn on Pay&Save:

  • In the BCU Bank app by selecting Accounts > Pay&Save.
  • Call us on 1300 228 228.
  • Send us a message by selecting the ‘Chat with us’ feature along the bottom of any webpage.
  • Visit a branch during business hours.

Not a BCU member

If you'd like to become a member so you can pay and save, simply open an Access Account online today.

To apply for a membership and open your account online you must:

  • be 18 years of age,
  • be an individual,
  • be an Australian resident with a current Australian residential address, and
  • have two forms of identification, either an Australian Drivers Licence, Australian Passport or Medicare card.

Once your account is open and you've registered for digital banking access, you can turn on Pay&Save in the BCU Bank app by selecting Accounts > Pay&Save.

You may also be interested in:

Access Account

A feature packed transaction account for your everyday banking needs.

Learn more about our Access Account

BCU Bank app

The BCU Bank app is easy to use, secure and gives your access to all your banking on the go.

More about our app

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