To change your current contribution method (Round Ups) to Smart Savings:
First, open your Qoins app. Click on the upcoming payment from the Upcoming Payments card of the app, then tap the three-dot menu in the top right-hand corner. From there you will be able to select the option to "Change round up account".
Click "Change or edit", then choose "Smart Savings". Now, you will be asked to select a preference level; you can always change this at any time.
Once you have done so, you’ll be all set to go! You will begin seeing activity soon.