Raiz - Invest The Spare Change 4+

Save and invest your money


Designed for iPhone

    • Free

iPhone Screenshots


Raiz helps you save & invest starting with virtual spare change from your everyday purchases and invest this into a diversified portfolio of stocks and bonds. Raiz your confidence in saving more and managing your finances with Raiz. You can easily get started in minutes: anytime, anywhere.

Featured in: Forbes, WIRED, Bloomberg BusinessWeek, Business Insider, CNBC, Channel 9 News, Sky Business News

· Smart Investing ·
Raiz makes it easy to invest small amounts regularly, the Raiz philosophy, as this is one of the keys to having a healthier balance over the long term.

Raiz makes growing your wealth easy & automated through round-ups, recurring savings plan and lump sum investment options, investing for you in the background of life.

· Bank Level Security ·
Your peace of mind is our highest priority. Raiz protects your information, prevents unauthorised account access, and notifies you of unusual activity.

· Raiz Kids ·
A simple way to save & invest for your kids/grandkids/niece/nephew’s future. It can be used to save and invest for anyone you care for under the age of 18.

· Wealth Fitness Notifications ·
Our My Finance feature lets you be smarter with your money, with notifications that keep you up to date. This feature not only looks at your current spending, with its machine learning capability – the more you use it, the better it can help you project your future spending.

· Clear and Transparent Fees ·
Only $3.50/month for accounts under $15,000 and just 0.275% per year for accounts $15,000 or more.
- You can withdraw whenever you like with no penalty
- Deposit whenever you like with no additional fees.
- No fees for accounts with a $0 balance while using the other features of Raiz

Download Raiz now for FREE! There are no fees until you decide to invest, and you can withdraw your money at any time without penalty.


· Diversification ·
Instead of trying to pick individual stocks, Raiz diversifies your investment across hundreds of the most widely held Australian and international companies, corporate bonds, government bonds, and cash.

· Automatic Rebalancing ·
Raiz automatically rebalances your portfolio to mitigate risk and optimize returns. This means we keep your account in a target mix of stocks and bonds by buying more when they are cheaper and less when they are more expensive. Buy low, sell high.

The Raiz philosophy is to invest small amounts regularly, no matter the market conditions. We believe this is one of the keys to having a healthier balance over the long term and managing uncertainty associated with the markets.

See what the press has to say:

“"This is one of the greatest products I have seen in my career.” - Noel Whittaker, author of Making Money Made Simple

“The app makes investing effortless” - Forbes

"This could prove to be an inexpensive way of introducing young people to the world of investing at ages for which compound interest can become a powerful tool." -Bloomberg Businessweek

“The best app I’ve ever downloaded saves me $$ every day without having to lift a finger.”- Mamamia

This app is operated by RAIZ Invest Australia Limited – Authorised Representative of AFSL 434776. The Raiz Invest Australia product will be issued in Australia by Instreet Investments Limited (ACN 128 813 016 AFSL 434776) and promoted by RAIZ Invest Australia Limited (ACN 604 402 815). A Product Disclosure Statement for this product is available on the Raiz website or App. A person should read and consider the Product Disclosure Statement in deciding whether or not to acquire and continue to hold interests in the product. The risks of investing in this product will be fully set out in the Product Disclosure Statement, and include the risks that would ordinarily apply to investing.
"Raiz Invest" is a registered trademarks of RAIZ Invest Australia Limited.

What’s New

Version 2.11.0

Improved Raiz Kids statements.
Added shortcuts, try them out!
Bug fixes.

If you have any questions, we are always here to listen.

Please feel free to email support@raizinvest.com.au or call us on 1300 754 748.

Thanks for your loyal support.

The Raiz Team

Ratings and Reviews

4.7 out of 5
27.7K Ratings

27.7K Ratings

brookethechicken ,

Can't recommend highly enough

This is such a brilliant idea for anyone, but particularly those who have very little money and nothing to save, kids who have their first bank account and those who are just generally terrible at saving.
My husband and I are shockers and this has been the first time we have ever saved anything - because it's so easy, how could you not? You actually create a savings account by spending, which is what stops most people saving in the first place. It's also great for those who can't save because they literally have nothing left to save after all the bills are paid, and though many people say 'there's always something you can cut back on' for many people this is actually not true and they are living in poverty, and for those it's great to set it to automatically take the roundups and forget about it. We've been using it about a year I think and are about to reach $1000, with roundups, and a weekly deposit of $7. On top of that, the fact that it's not just saving, it's actually investing has been a great, gentle introduction to the share market and has led me to become quite interested and begin to learn more about investing in shares and take a small step in that direction. Even if you have a share portfolio or other savings and investment plans I still say, do it, every bit helps. It's a fantastic idea to set up for your kids when they have their first bank account too.

walkdogz ,

Great app

I have my money invested over multiple apps including Raiz, Spaceship and Commsec. Raiz is in my opinion the best app of the lot as the custom portfolio allows you to invest across multiple ETFs in a very simple way by simply distributing your money across them according to the percentage you allocate to each ETF. This lets you dollar cost average over time unlike CommSec where you’re encouraged to buy in lump sums intermittently. I use CommSec for investing in more niche thematic ETFs, but Raiz is the best for investing in the well known market tracking ETFs. I also wouldn’t read too much into the 1 star reviews here, a lot seem suspicious or just by people who haven’t actually read and understood what the app is about. If your investment goes down, it’s not Raiz’s fault, it’s the market moving, anyone with an ounce of financial knowledge should realise this. My initial investment was up 7% quite quickly but has come back down due to rever sell offs globally and that’s okay as I’m in for the long term, it’s not Raiz’s fault. Excellent app and I highly recommend it.

Developer Response ,

Hi There, and thank you for your review! We really appreciate the feedback and succinct summary of our investment philosophy.👏

Minos P ,

The easiest way to save

This is by far the best concept and App going around aimed to help you save in the most efficient, simplistic and beneficial way. The App is simple to use and provides loads of meaningful details to give you greater insights into your financial position and the progress you are making towards your goals. You will be surprised how quickly your savings will grow by just investing loose change. Raiz does all the work for you and you can set it up in a way that you don’t have to do anything other than enjoy watching your savings grow. From rounding up the loose cents in transactions to setting up regular contributions and having the option to deposit one off additional funds, you are well covered to reach your financial objectives. When it’s time to withdraw your savings (which you can do at any point) you process this through the app in a easy process.

This concept and app is a game changer!!

App Privacy

The developer, RAIZ INVEST AUSTRALIA LIMITED, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer's privacy policy.

Data Linked to You

The following data may be collected and linked to your identity:

  • Financial Info
  • Contact Info
  • Identifiers

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

  • Diagnostics

Privacy practices may vary, for example, based on the features you use or your age. Learn More

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