Cents2

Cents2 -Turn spare change into smart change
Set-and-forget saving for the things that matter. Link your bank once, choose a destination, and let your everyday purchases build momentum on autopilot.

How it works:

1.Automatic Round-Ups
By default we round each purchase to $1 (you can change to $2 or $5 in Settings).
2.Smart Saving + Cashback
Your round-ups and 1,000+ cashback offers add up over time.
3.Choose Your Destination
Send savings to bills, super, mortgage, investments (crypto, gold and silver, property), charity, or airline/hotel loyalty points.
4.Hassle-Free Payouts
Round-ups and cashback from the prior month are deposited by the 7th. If you want to change destination for the next cycle, update it before the 29th.

Banking & payments (quick facts):
•Multiple accounts supported for tracking (including credit cards)
•Pick one funding account (a savings or transactional account) for debits
•Direct debits run Mon / Wed / Fri
•Once allocated (e.g., bill payments, loyalty points, bill credits), amounts can’t be withdrawn as cash.

Security you can trust
•Read-only bank data via Basiq (you control and can revoke consent)
•Payments and payouts handled by Zai Australia Pty Ltd (ABN 96 637 632 645)
•Built for Australia’s Consumer Data Right (CDR) framework

Pricing
•Free — $0: Cashback to your chosen destination
•Full Access — $3.50/month (auto-deducted from your round-ups). Cashback from 1,000+ offers can often offset some or all of this fee, depending on your shopping. See our Terms for details.

Getting started
Download Cents2 → create account → connect bank (read-only) → pick round-up amount and destination. You can pause/resume round-ups anytime. You’ll get email verification on sign-up and notifications when funds are paid.

Cents2 — Your cents. Your goals. On autopilot.
Support: [email protected]