No. 165 of 181 ·Personal Finance Software

Raiz

Name: Raiz
Price: 2.5 AUD

Web · Android · iPhone · paid plans from A$2.50/mo

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Freedom report

Two barsScore 5.1

Free tierNo free tier on record
Open codeNo open-source code on record
Runs widely3 of 6 device platforms
DocumentedPlans, terms and facts published

Raiz is ranked #165 of 181 in personal finance software on Freedom251, made by Raiz (Sydney, New South Wales, Australia). It runs on Android, iOS, Web. There is no free plan. Paid plans start at A$2.50/mo.

Raiz plans and pricing

All plans

Lite A$2.50/mo $2.50 / month 3 preset portfolios · Raiz Rewards · balance threshold $1,500 · no Raiz Kids or Raiz Jars raizinvest.com.au · 2 Oct 2026

Regular A$5.50/mo $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 raizinvest.com.au · 2 Oct 2026

Plus A$6.50/mo $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 raizinvest.com.au · 2 Oct 2026

Compared on personal finance software

Free plan: No
Card roundups: Yes
Scheduled transfers: Yes
Withdrawal method: manual

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The record

What it does: Raiz is an Australian saving and investing service designed to automate investing and help users build wealth over time.
Round-ups: Raiz can automatically invest the change from purchases rounded up to the nearest dollar.
Recurring deposits: Users can set recurring investment top-ups daily, weekly, or monthly.
One-off deposits: Users can make one-off investments to their Raiz account.
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.
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.
Rewards: Raiz Rewards lets users shop through the app with participating brands and have a percentage of purchases invested in their Raiz account.
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.
Spending tracker: My Finance categorises linked-account transactions, shows spending breakdowns, and forecasts income and spending.
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.
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.
Support: Raiz Support is available 8:30AM–5:30PM Sydney Time, Monday–Friday, by email or phone at 1300 75 47 48.
Founded: 2016
Headquarters: Sydney, New South Wales, Australia
Price from: A$2.50/mo

Where it ranks on Freedom251

Best Personal Finance Software in 2026#165 of 181
Best Automated Savings Apps in 2026#15 of 17

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Sources

raizinvest.com.au· checked 2 Oct 2026
raizinvest.com.au/invest· checked 2 Oct 2026
raizinvest.com.au/app-guide· checked 2 Oct 2026
raizinvest.com.au/security· checked 2 Oct 2026
raizinvest.com.au/support· checked 2 Oct 2026
raizinvest.com.au/fees· checked 2 Oct 2026