8th October 2025, Kathmandu
Are you tired of inconsistent saving habits? In the rapidly digitizing financial landscape of Nepal, the ability to save money should be as seamless as spending it.
Goal-Based Plus Round-Off Savings
Global IME Bank has introduced the revolutionary Goal-Based Plus Round-Off Savings scheme, a powerful digital tool integrated into its Global Smart Plus mobile banking app. This scheme turns every QR payment into a micro-investment toward your financial future.
Automate Your Future with Global IME Bank’s Goal-Based Plus Round-Off Savings
This article breaks down how the Goal-Based Plus Round-Off Savings works, its key benefits, and why it is the most innovative way for any Nepalese individual to save today.
The Power of Two: Goal-Based & Round-Off Savings Combined
The Goal-Based Plus Round-Off Savings scheme is a unique fusion of two cutting-edge savings methodologies, designed for the digital consumer:
1. Set the Target: Goal-Based Saving
This feature is designed to give your savings purpose and structure. Instead of just accumulating cash, you are saving for a specific goal (e.g., a down payment, a new gadget, a trip).
Define Your Future: Set a savings target from a minimum of NPR 50,000 up to NPR 500,000.
Flexible Tenure: Choose a timeframe between 6 months to 2 years to achieve your goal.
Auto-Planner: The Global Smart Plus app acts as your personal financial advisor, automatically calculating the required monthly contributions, the applicable interest rate (the bank commits to offering the highest interest rates on the amount saved), and the estimated maturity date.
Contribution Flexibility: You can opt for automatic monthly deductions from your primary account or choose to manually deposit the amount on a preferred date. You can even make additional top-up deposits anytime.
2. Save Effortlessly: The Round-Off Mechanism
The true innovation of the Goal-Based Plus Round-Off Savings is how it generates extra savings painlessly and automatically.
Every time you make a merchant QR payment using the Global Smart Plus app, the transaction is rounded up, and the surplus is automatically transferred to your Goal-Based Savings account. It’s like turning your digital spare change into disciplined savings.
You can customize your Round-Off contribution with three options:
Round-Off Option Mechanism Example (For a Rs 224 Payment) Saved Amount
Nearest Two Rounds the transaction to a specified nearest figure (e.g., nearest 5, 10, 25, or 30). Set to nearest Rs 25 Rs 1 (Rs 225 – Rs 224)
Flat Amount Saves a fixed, pre-set amount with every transaction, regardless of the purchase value. Set to a flat 100 Rs 100
Percentage Saves a fixed percentage of the total QR payment value. Set to 10% Rs 20 (10% of Rs 200)
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Key Benefits of Goal-Based Plus Round-Off Savings
This scheme is a game-changer for the digital-savvy Nepalese consumer, offering crucial advantages over traditional savings accounts:
Guaranteed Financial Discipline: The automation inherent in the Goal-Based Plus Round-Off Savings feature removes the common barrier of procrastination, ensuring consistent, effortless contributions with every digital spend.
Highest Interest Rate Benefit: The savings accumulated under the scheme are placed at a superior interest rate compared to standard savings accounts, accelerating your goal achievement.
Complete Digital Control: The entire process—from goal setting and contribution tracking to viewing detailed statements and even breaking your goal prematurely is handled instantly and entirely through the Global Smart Plus app, eliminating the need for branch visits.
Flexible Management: You have the power to activate, deactivate, and modify your Round-Off savings options at any time to match your current financial needs.
Achieve Multiple Targets: The platform allows you to set up multiple savings goals under different categories, enabling comprehensive financial planning for various future needs (e.g., one goal for “education,” one for “travel”).
In a market where digital finance is key to economic empowerment, Global IME Bank’s Goal-Based Plus Round-Off Savings is setting a new standard for how people in Nepal manage their money smarter, faster, and more purposefully.
For more: Goal-Based Plus Round-Off Savings