Bank rounding up of small change.

My bank offers a service where every transaction is rounded up to the next $5 and the rounding amount put into the savings account.  Think of it as if you put your spare coins into a jar when you come home every night.

How should I best deal with this in YNAB? 

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  • The simplest way is to not even start. If your savings account is already an on budget account, this money is already allocated in your budget so you would just be stuck having to do a whole bunch of transfers that have no impact on your actual budget. In YNAB, money is "saved" once you assign it to a category.

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  • Recently discussed in this thread here .

    It works for people who aren't paying attention to their transactions or bank account balances, Cornflower Blue Grizzly , but it is very annoying accommodating it in a YNAB budget. 

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  • Good advice.  It seemed like a good idea but not so.  Canned it.  Thank you.

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