Raiz
Raiz · Sydney, New South Wales, Australia · founded 2016
What it is
Raiz is an Australian saving and investing service available on Android, iOS and the web. It can invest purchase change rounded up to the nearest dollar when eligible bank accounts are linked. Users can schedule investment top-ups daily, weekly or monthly, or make one-off deposits. Portfolio choices include standard risk levels, the socially responsible Emerald option, Sapphire with a 5% bitcoin allocation and Property with a 30% Raiz Property Fund allocation. Plus users can build portfolios from ETFs, ASX-listed stocks, up to 5% Bitcoin and up to 30% in the property fund. Raiz Kids provides accounts for children, and Raiz Jars supports goals with separate portfolios and strategies. Raiz Rewards invests a percentage of participating-brand purchases. My Finance categorizes transactions, shows spending breakdowns and forecasts income and spending. Plans start at A$2.50 a month; there is no free plan.
For and against
For
- Automates round-ups from eligible purchases
- Supports daily, weekly and monthly top-ups
- Offers standard, Emerald, Sapphire and Property portfolios
- Includes children’s accounts and goal jars
- Available on Android, iOS and web
Against
- No free plan is available
- Plans start at A$2.50 a month
- Withdrawals are manual
The verdict
Raiz provides several automated ways to invest, along with preset and custom portfolio options. Its paid plans begin at A$2.50 a month and include different account features by tier.
Who it suits
Raiz suits Australian users seeking automated investing through round-ups, scheduled deposits, one-off investments or goal-based accounts. It also offers children’s accounts and custom portfolio choices.
Plans and prices
Lite
3 preset portfolios · Raiz Rewards · balance threshold $1,500 · no Raiz Kids or Raiz Jars
Read 2 Oct 2026 · raizinvest.com.au
Regular
8 preset portfolios · Raiz Rewards · Raiz Kids · Raiz Jars
Read 2 Oct 2026 · raizinvest.com.au
Plus
8 preset portfolios · custom portfolio with ASX listed stocks, Bitcoin, property, and wider range ETFs · Raiz Rewards · Raiz Kids
Read 2 Oct 2026 · raizinvest.com.au
On the record
- Asset custody
- The security page says ETF units and cash are held by Perpetual Corporate Trust, Raiz Property Fund units by Sandhurst Trustees, and Bitcoin and cash by Gemini Trust Company.raizinvest.com.au · read 2 Oct 2026
- Bank connections
- Users can link eligible bank accounts as spending accounts for round-ups and can link funding accounts through online banking or enter bank details manually.raizinvest.com.au · read 2 Oct 2026
- Custom investing
- The Plus portfolio lets users build a portfolio from ETFs, ASX-listed stocks, up to 5% Bitcoin, and up to 30% in the Raiz Property Fund.raizinvest.com.au · read 2 Oct 2026
- Kids and goals
- Raiz Kids provides separate accounts for children that can be transferred to them when they turn 18, and Raiz Jars let users set personalised goals with their own portfolios and strategies.raizinvest.com.au · read 2 Oct 2026
- One-off deposits
- Users can make one-off investments to their Raiz account.raizinvest.com.au · read 2 Oct 2026
- Portfolios
- Available portfolios include standard risk-level portfolios, a socially responsible Emerald portfolio, a Sapphire portfolio with a 5% bitcoin allocation, and a Property portfolio with a 30% Raiz Property Fund allocation.raizinvest.com.au · read 2 Oct 2026
- Recurring deposits
- Users can set recurring investment top-ups daily, weekly, or monthly.raizinvest.com.au · read 2 Oct 2026
- Rewards
- Raiz Rewards lets users shop through the app with participating brands and have a percentage of purchases invested in their Raiz account.raizinvest.com.au · read 2 Oct 2026
- Round-ups
- Raiz can automatically invest the change from purchases rounded up to the nearest dollar.raizinvest.com.au · read 2 Oct 2026
- Security and regulation
- Raiz says it is ASX-listed and regulated and overseen by ASIC, and that its website and app use 256-bit encryption and account safeguards including multi-factor authentication and automatic logouts.raizinvest.com.au · read 2 Oct 2026
- Spending tracker
- My Finance categorises linked-account transactions, shows spending breakdowns, and forecasts income and spending.raizinvest.com.au · read 2 Oct 2026
- Support
- Raiz Support is available 8:30AM–5:30PM Sydney Time, Monday–Friday, by email or phone at 1300 75 47 48.raizinvest.com.au · read 2 Oct 2026
- What it does
- Raiz is an Australian saving and investing service designed to automate investing and help users build wealth over time.raizinvest.com.au · read 2 Oct 2026
