Goin is an app that acts as a virtual bank and which allows you to save once you have linked your bank account. The app has several saving methods that are actually quite useful and in the medium or short term allow you to save without realizing it. One of them is for example "Retention" that what it does is if you receive an income in your bank account, it retains a percentage that you choose, or the "Round up" method for example every time you buy something At Amazon, they will round up the remaining part to save it.
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