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RevPoints Spare Change Explained
Picture this: you just bought a £/€2.73 cup of coffee. The 27p change which is not rounded to £/€3 could be quietly building your next flight. The Spare Change feature by Revolut transforms everyday transaction round-ups into valuable points, turning forgotten pennies into tangible travel rewards.
How It Works
Spare Change automatically rounds each card purchase to the nearest pound/euro, converting the difference into RevPoints at a rate of 50 points per £/€1 (or £/€0.02 per point). Buy lunch for £/€8.45—it rounds to £/€9.00, and that 55p becomes 27.5 points. Fill petrol for £/€63.12—round to £/€64.00 for 44 points.
Read more:
Best RevPoints conversion rates calculations
The feature works across all your Revolut cards—physical and virtual—catching every eligible purchase automatically. But first you need to enable it manually.
Setting it up takes seconds:
  • Open the Revolut app
  • Go to 'Lifestyle' on the bottom menu
  • Tap the RevPoints icon in the right top corner
  • Tap ‘Get Started’
  • Tap 'Continue' after reading the info on the next screen
  • Decide if you wish to enable Spare Change, if not tap 'Not now'
The Multiplier
Game-Changer
Here's where Spare Change gets really interesting. Revolut lets you pick a multiplier from x1 to x10, which means you can boost your RevPoints accumulation dramatically.
The app gives this example: spend £/€1.10, round up, and £/€0.90 goes to buying 45 RevPoints—SpareChange always exchanges at £/€0.02 per point no matter which plan you’re on. So using that same logic, here's what it looks like.
The Reality Check
Spare Change works brilliantly for frequent small-purchase users: daily coffee runs, lunch spots, transport top-ups, grocery shops. For someone making 40 monthly transactions with average £/€0.5p round-ups will add up like this:
You can easily change the Spare Change multiplier in the app. If you like, you can even tweak it before each purchase to stay in control of your budget

Pro tip

Start with x1 to test the waters. Monitor how much you're setting aside monthly, then adjust the multiplier based on your budget comfort and points goals. For active spenders comfortable with automated savings, even modest multipliers generate thousands of bonus points annually—completely hands-off.

How to turn Spare Change off — and get your money back

A common complaint: people discover Spare Change was switched on without them realising, with round-ups quietly diverting real money into points. Worth knowing: under Revolut's Terms, Spare Change round-ups officially BUY points (at a fixed £/€0.02 per point) rather than earn them — which is also why you have refund rights.

To turn it off: open the RevPoints section in your app, go to Spare Change, and disable it in the Spare Change settings. If you want to keep it but shrink the outflow, drop the multiplier to x1 first.

Getting money back: the current RevPoints Terms (updated 13 March 2026) give you a 14-day cooling-off right on purchased points — you can request a refund of unspent purchased points within 14 days of the purchase. Enabled it months ago without noticing? Users consistently report that a human support agent will refund a first-time accidental enrolment as a goodwill gesture — type "live agent" in the in-app chat to get past the bot, explain you were unaware of enrolment, and ask. Since mid-2026 Revolut must also give 30 days' notice before changing the Spare Change exchange rate.

Remember: purchased points are redeemed first from your balance, and all points expire 3 years after you get them. Last verified: 8 July 2026.

Read more about RevPoints features:
Are RevPoints really worth it?How to convert RevPoint into milesWhich Revolut plan earns more pointsRevpoints expiration rulesWhy buy RevPointsBoosted RevPoints earn rates at TemuRevPoints value table
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