RevPoints Spare Change explained
Spare Change rounds an eligible card payment to the next whole currency unit and uses the difference to buy RevPoints at the exchange rate shown in your app.
It is an optional point-purchase feature, not free bonus points. A multiplier increases how much cash the round-up uses; it does not establish a better point price.
- Feature
- Optional
- Point price
- Shown in app
- Multiplier
- More cash used
- Facts checked
- 19 July 2026
What the round-up actually does
Separate the cash calculation from the point calculation. The round-up is simple arithmetic; the number of points comes from the live exchange rate shown by Revolut.
| Purchase | Multiplier | Cash used to buy points | Points received |
|---|---|---|---|
| £2.46 | 1x | £0.54 | Use the app-shown rate |
| £2.46 | 2x | £1.08 | Use the app-shown rate |
| £2.46 | 5x | £2.70 | Use the app-shown rate |
Do not copy an old fixed rate into your calculation. Revolut's current UK terms say the Spare Change exchange rate is displayed when you activate the feature. If it changes, Revolut says it will provide 30 days' notice.
Enable, change or stop Spare Change
The dedicated UK RevPoints help page gives this current path. App labels can move, so use the RevPoints area as the starting point if your screen differs.
Open RevPoints
Select RevPoints from the bottom menu, then tap Earn below your points balance.
Open Spare Change
Select Spare Change. Review the exchange rate and the cash effect before opting in.
Choose the multiplier carefully
A higher multiplier accelerates point purchases by increasing the round-up amount. Treat it as a spending control, not a reward-rate boost.
Save or deactivate
Tap Done to enable the feature. To stop it, return to Spare Change and select Deactivate.
When Spare Change helps — and when it does not
Potentially useful
- You have a specific redemption and a small, priced shortfall.
- The cash used is lower than the realistic net benefit you expect.
- You want an automatic purchase habit and have budgeted for it.
- You have checked the current exchange rate and multiplier in the app.
Usually a poor fit
- You are collecting without a redemption plan.
- The multiplier makes the monthly cash outflow hard to predict.
- You are assuming the points have a guaranteed cash value.
- You may need the cash back, because the dedicated help page calls Spare Change points non-refundable.
Track the cash, not only the points. Review your point activity and account transactions after a normal month. If the total cash used is uncomfortable, lower the multiplier or deactivate the feature.
Spare Change: direct answers
What is RevPoints Spare Change?
RevPoints Spare Change is an optional feature that rounds an eligible card payment to the next whole currency unit and uses the difference to buy points. The exchange rate is shown in the app when you activate it.
How does a RevPoints Spare Change round-up work?
If a purchase is £2.46, the 1x round-up is £0.54. That amount buys however many points the current app rate shows; this guide does not convert it at a fixed rate.
What does the Spare Change multiplier do?
The multiplier increases the cash round-up used to buy points. With a £0.54 base round-up, 2x means £1.08 and 5x means £2.70, before applying the app-shown exchange rate.
How do I turn RevPoints Spare Change off?
Open RevPoints, tap Earn below your balance, select Spare Change and tap Deactivate. If the app layout has changed, start from RevPoints and look for the current earning controls.
Are RevPoints bought with Spare Change refundable?
The dedicated UK help page says points acquired with Spare Change are non-refundable. The terms contain a narrow cancellation right within 14 days of first opening the RevPoints account for unused purchased points; that is not a rolling right for each round-up.
Does a higher Spare Change multiplier improve the point price?
No. It increases the amount of cash used; it does not establish a better exchange rate. Compare the exact cash and points shown in the app before saving a multiplier.