Raiz - Invest The Spare Change 4+

Save and invest your money


Designed for iPhone

    • Free

iPhone Screenshots


Raiz helps you easily save and invest your money. Get started in minutes with as little as $5, invest your spare change into a diversified portfolio with automatic round-ups, and give your money a chance to grow in the background of life.

Featured in: Forbes, WIRED, Bloomberg BusinessWeek, Business Insider, CNBC, Channel 9 News, Channel 7.

Raiz makes it easy to invest small amounts regularly, the Raiz philosophy, taking the hassle out of investing.

+ Round-Ups
Our flagship feature. Automatically round-up the spare change from your everyday purchases and invest it into a diversified portfolio of stocks and bonds. Invest in the background of life.

+ Recurring Investments
Set up automatic daily, weekly or monthly recurring investments – whatever schedule suits you.

+ Lump Sum Investments
Make one-off investments to boost your Raiz account as often as you’d like.


+ Diversification
Raiz gives you the option of choosing one of 8 pre-defined investment portfolios.
Alternatively, Raiz Plus offers the ability to build a bespoke investment portfolio, including the option to add ASX-listed stocks.

+ Automatic Rebalancing
Raiz automatically rebalances your portfolio to mitigate risk and optimise 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.

Your peace of mind is our highest priority. Raiz uses bank level security and data prevention, prevents unauthorised account access, and notifies you of unusual activity.

Do your usual shopping through hundreds of brands like eBay, Apple and Catch who are partnered with Raiz Rewards and get money invested back into your Raiz account.

Raiz Kids is a simple way to save and invest for your children and/or dependants who are under the age of 18. Set them up with their own portfolio and investments, and even choose to give them access to their own Raiz Kids app with custom permissions set by you.

Having already made investing simple and accessible, we aim to do the same for superannuation. Join Raiz Invest Super to take advantage of many of our pre-existing features and portfolios, all integrated into the same app from the palm of your hand.

Depending on the portfolio you choose, fees start at $4.50/month for accounts under $20,000. For full fee details read the PDS before deciding on a portfolio.
- You can deposit and withdraw funds whenever you like with no additional fees.
- No fees for accounts with a $0 balance.

"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 (PDS) and Target Market Determination (TMD) for this product is available on the Raiz website or App. A person should read and consider the PDS and TMD before 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 PDS and include the risks that would ordinarily apply to investing.
"Raiz Invest" is a registered trademark of RAIZ Invest Australia Limited.
Address: 2 Bulletin Pl, Sydney NSW 2000

What’s New

Version 2.35.2

You can now link digital banks as round-up accounts.
Bug fixes and performance improvements.

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

Ratings and Reviews

4.7 out of 5
38.2K Ratings

38.2K 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 Used to Track You

The following data may be used to track you across apps and websites owned by other companies:

  • Contact Info

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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