How Spare Change Investments or Round-ups Work

What is spare change investment?

Spare change investment (apart from one-lump sum and recurring investment) is Raiz’s main feature to help people to save and invest in the background of life. It is automatic and effortless! We focus on spare change because we want to instil your saving and investing habit so that you can keep the momentum going!


How does it work?


1. First, link your Maybank debit card to Raiz.

* for now, this only works with Maybank debit card. Rest assured, we’re working hard to include other banks’ debit card, credit card, e-wallet and savings accounts from time to time.


2. Next, make your normal purchase with your Maybank debit card. Raiz will then rounds up that transaction to the next Ringgit and invests the spare change into your Raiz investment account.

Example, if you pay for a cup of coffee for RM8.90 using your debit card, we’ll automatically round it up to RM9.00 – so your spare change is 10 cents.

You pay for your groceries for RM55.20 – your spare change is 80 cents.

We will continue to round up on every purchase. We will first accumulate the spare changes (only virtually!), and when the spare change has reached at least RM5, we will take that amount from your bank, and invest it! Easy!


3. Now sit back and relax and see how it grows over time. As you spend, you save!


Try it out!


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Important Information 

The information on this website is general advice only. This means it does not consider any person’s investment objectives, financial situation or investment needs. If you are an investor, you should consult your licensed adviser before acting on any information contained in this article to fully understand the benefits and risk associated with the Raiz product. 

The information on this website is confidential. It must not be reproduced, distributed or disclosed to any other person. The information is based on assumptions or market conditions which change without notice. This will impact the accuracy of the information. 

Under no circumstances is the information to be used by, or presented to, a person for the purposes of deciding about investing in Raiz. 

The past return performance of the Raiz product should not be relied on for deciding to invest in Raiz and is not a good predictor of future performance.

The advertisement has not been reviewed by the SC.