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SPECIFICTION
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Raiz

raizinvest.com.au

From A$2.50/mo WebiOSAndroid
Visit raizinvest.com.au
Spec score 7.7 #3 of 24 in Robo-Advisor Apps

What it is

Raiz is an Australian saving and investing service from Raiz, founded in 2016 and headquartered in Sydney. It automates investing through purchase round-ups, recurring top-ups and one-off deposits. Linked eligible bank accounts can supply spending data for rounding purchases to the nearest dollar, while scheduled additions can run daily, weekly or monthly. Portfolio choices include standard risk levels, socially responsible Emerald, Sapphire with a 5% bitcoin allocation, and Property with 30% in the Raiz Property Fund. Plus users can assemble portfolios from ETFs, ASX-listed stocks, up to 5% Bitcoin and up to 30% in the property fund. Raiz Kids provides child accounts transferable at 18, and Raiz Jars support goals with separate strategies. Rewards invests a percentage of participating-brand purchases. My Finance categorises transactions and forecasts income and spending. Android, iOS and web access are listed. Plans start at 2.50 AUD/mo, with no free plan.

Spec sheet

What it does
Raiz is an Australian saving and investing service designed to automate investing and help users build wealth over time.Read 2 Oct 2026 · raizinvest.com.au
Free plan
NoRead 20 Sep 2026 · raizinvest.com.au
Support
Raiz Support is available 8:30AM–5:30PM Sydney Time, Monday–Friday, by email or phone at 1300 75 47 48.Read 2 Oct 2026 · raizinvest.com.au
Headquarters
Sydney, New South Wales, AustraliaRead 28 Sep 2026 · raizinvest.com.au
Founded
2016Read 28 Sep 2026 · raizinvest.com.au
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.Read 2 Oct 2026 · raizinvest.com.au
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.Read 2 Oct 2026 · raizinvest.com.au
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.Read 2 Oct 2026 · raizinvest.com.au
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.Read 2 Oct 2026 · raizinvest.com.au
One-off deposits
Users can make one-off investments to their Raiz account.Read 2 Oct 2026 · raizinvest.com.au
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.Read 2 Oct 2026 · raizinvest.com.au
Recurring deposits
Users can set recurring investment top-ups daily, weekly, or monthly.Read 2 Oct 2026 · raizinvest.com.au
Rewards
Raiz Rewards lets users shop through the app with participating brands and have a percentage of purchases invested in their Raiz account.Read 2 Oct 2026 · raizinvest.com.au
Round-ups
Raiz can automatically invest the change from purchases rounded up to the nearest dollar.Read 2 Oct 2026 · raizinvest.com.au
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.Read 2 Oct 2026 · raizinvest.com.au
Spending tracker
My Finance categorises linked-account transactions, shows spending breakdowns, and forecasts income and spending.Read 2 Oct 2026 · raizinvest.com.au

Plans and prices

Lite A$2.50 a month $2.50 / month 3 preset portfolios · Raiz Rewards · balance threshold $1,500 · no Raiz Kids or Raiz Jars Read 2 Oct 2026 · raizinvest.com.au
Regular A$5.50 a month $5.50 / month and/or 0.275% p.a account fees for balances above $26,000 8 preset portfolios · Raiz Rewards · Raiz Kids · Raiz Jars · no maximum balance threshold Read 2 Oct 2026 · raizinvest.com.au
Plus A$6.50 a month $6.50 / month or 0.275% p.a account fees for balances above $28,000 8 preset portfolios · custom portfolio with ASX listed stocks, Bitcoin, property, and wider range ETFs · Raiz Rewards · Raiz Kids · Raiz Jars Read 2 Oct 2026 · raizinvest.com.au

Every Raiz plan and price →

Strong points and limits

Strong points

  • Automatic purchase round-ups
  • Daily, weekly and monthly top-ups
  • Preset and custom portfolio choices
  • Child accounts and goal jars
  • Android, iOS and web access

Limits

  • No free plan
  • Withdrawal method is manual
  • Lite excludes Raiz Kids and Jars
  • Higher balances can incur percentage fees

Who it suits

It suits people seeking automated saving and investing through round-ups, scheduled deposits or goals. Families, rewards shoppers and users wanting preset or custom portfolios may also find the listed tools relevant.

Verdict

Raiz combines automated deposits, several portfolio types, child accounts, goals and spending tracking in one service. Its paid plans differ in portfolio access and account-fee terms, so the listed thresholds matter when choosing a plan.

Where Specifiction places it

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