These tools often get mixed up, but they work differently.
RoundUps – Using your own money to save
You buy coffee for $4.25
With RoundUps set to $5, we move $0.75 into savings
That $0.75 comes from your existing Spendable balance and helps you save automatically
Cash Back – Bonus reward from KOHO
You buy the same $4.25 coffee
Once the transaction settles, you earn 1% cash back — that’s $0.04
This is extra money from KOHO, not taken from your balance
Result: You saved with your own money and earned a little extra too 🎉