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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.

· Simple Fees ·
Only $2.50/month for accounts under $10,000 and just 0.275% per year for accounts $10,000 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 2.1.4

You can now get your statements from the app.
Check out our blog posts in the app too!

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
6K Ratings

6K 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.

irunlykagirl ,

Unwittingly saved for ....

Having used the idea of putting loose change in a moneybox to save up for something/anything, I have found less & less I use actual cash. This is the same but better as they use what you have saved & turn it into more (+/- fluctuations from normal investments).
Having a small regular amount collected by them makes up for the times I do use cash for purchases & to cover the small monthly fee. The info of how much spending & forecasted spending is an eye opener as is the forecast of savings for an incentive.
Not all banks have joined in, but I hope as this catches on they will be added to the list.
I get the fees eat in & can make it seem like a waste - but having looked into who is running the app, it's a small % of what you would normally pay for their services. We can't get everything for free, even if we think we deserve it.

dutrar ,

Bad taste

A month ago I would have rated Raiz 5 stars but this month I changed banks and tried to change my funding account on Raiz's app and was told I had to call up to do it over the phone. I couldn't even put my payments on hold or anything. When I called to do this the wait time was so long I gave up to try again another time.
A couple of days later Raiz then debited my old bank twice on the same day (monthly fee plus the round ups) and, because my funds had been moved to my new bank, I got charged 2 $5 dishonour fees for those charges.
When I tried calling Raiz again I was on hold for about 25min and then used the call me back option and someone called me back over an hour later. I was then told that they should have the feature to stop the charges but unfortunately they didn't and that I could have emailed them. Well, the app said I had to call and didn't give me any details about a story email. They said they couldn't do anything about the dishonour fees and wouldn't even offer to waive my monthly fees to make up for it. Not a good process and customer experience for an app that focuses on technology.


167.7 MB

Requires iOS 11.0 or later. Compatible with iPhone, iPad and iPod touch.



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  • Family Sharing

    Up to six family members will be able to use this app with Family Sharing enabled.

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