when you plan and save up for purchases from your favourite brands.
Get amazing cash rewards,
Set your savings plan for a Seiko Watch
Make deposits in your savings plan
We top-up your savings plan with rewards
Buy your Seiko watch when you are ready
Choose savings schedule
Your purchase will be ready in 3 weeks
You made a deposit
We top up €100 as reward to your savings plan
You have reached your goal
Complete purchase now
The new 'Savings as a payment method.'
Unlike BNPL, Sparkaufen is credit-free and incentivises sustainable purchasing. We are building Save Now Buy Later payment method for Europe.
Choose from a wide range of brands
We offer a wide variety of amazing brands for you to select from!
Define your savings plan's instalment amount and frequency!
Be it 2 weeks or 6 months, you can customise how you want to save up.
Make deposits in your savings plan through SEPA/Bank transfer
We create a wallet for you with an IBAN attached. When you transfer the money to your wallet, we allocate it to your savings plans.
We top-up your savings plan with cash rewards
Brands offer this reward to you as an incentive to promote sustainable credit-free purchases.
Get a brand-linked virtual card when you achieve your savings goal.
At the end of the savings plan, you get a Sparkaufen Virtual Prepaid MasterCard which you can use to make the purchase from the brand's online store.
You should know!
Cancel anytime and get 100% refund
Your money is safe in an ECB regulated bank
The rewards you earn are unbelievable :)
We value your trust!
We have an EU e-money licence extended by Paynetics AD with licence No. 44/11.04.2016. That means that we are regulated and follow all the compliance requirements the European Central Bank has laid out.
How are we able to give such amazing rewards?
The cash top-ups in your savings plan are provided by the Brands. Sparkaufen partners with brands to bring incentives when you save up for purchases.
Brands pay a small commission to Sparkaufen for each purchase completed through Sparkaufen. That is why we are able to offer our services for free! We are the leading Save now buy later startup in Europe.