What's the difference between Automatic Round-Ups® and Manual Round-Ups®?

Article author
Alexander G.
  • Updated

With Acorns Round-Ups®, we'll help you invest the spare change from your everyday purchases. You can choose whether you want your spare change invested automatically, in the background of life, or manually. Here's how it works.

Automatic Round-Ups®

Manual Round-Ups®

Important information about your linked accounts

Automatic Round-Ups®

Once you link a Round-Ups® account, we'll round up each purchase to the nearest dollar and keep track of all that spare change for you. Once your spare change adds up to at least $5, we'll automatically initiate the investment into your account. All investments come from your primary checking account. 

Here's how to turn Automatic Round-ups® on or off:

From your Acorns app:

  1. After logging in to your account, tap "Invest"
  2. Tap "Round-Ups® Settings"
  3. Toggle "Set to automatic" and tap "Save"

From acorns.com:

  1. After logging in to your account, click on "Invest"
  2. Click on "Round-Ups® Settings"
  3. Toggle "Set to automatic" and click "Confirm" or "Turn off automatic"

Manual Round-Ups®

You also have the option to manage your Round-Ups® manually. This gives you control over which spare change amounts you’d like to invest. The manual Round-Ups® won't be invested until at least $5 is selected.

To manage Round-Ups® manually, you will need to turn your automatic Round-Ups® off.

Once Round-Ups® begin generating, you'll need to select which transactions you'd like to invest. You can learn more here.

Important information about your linked accounts

Round-Ups® can be a great way to invest your spare change in the background of life, but it's important to make sure you have enough money in your linked accounts to cover your investing. 

If you don't keep enough money in your primary checking account, you could end up with overdraft fees from your bank.

If this is something you're concerned about, you could consider turning off automatic Round-Ups® and reviewing them manually instead. Here's more information on the difference between automatic and manual Round-Ups®.

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