Change Savings is a innovative feature in the Appreciate app that allows you to automatically set aside small amounts of money from your everyday transactions. This is to build savings disciple. This feature operates in two ways:

1. Setup Change Savings: With this option, the system requires permission to read your SMS transaction messages. It then rounds up each transaction to the nearest whole number and invests the spare change.

2. Daily Savings Challenge: This option doesn't require SMS permissions. You can set up a daily savings challenge, for example, Rs 100, and manually invest this amount every day.

Please note, the actual investment only happens when the collected amount reaches Rs 2000.