Raiz

Name: Raiz
Price: 2.5 AUD
Author: Raiz

Paid AndroidiPhoneWeb

What Raiz is

Raiz is an Australian saving and investing service that automates investing through round-ups and deposits. Link an eligible bank account to invest the change from purchases rounded up to the nearest dollar, schedule top-ups daily, weekly, or monthly, or make one-off investments. Portfolio choices include standard risk-level options, socially responsible Emerald, Sapphire with a 5% bitcoin allocation, and Property with a 30% Raiz Property Fund allocation. Plus lets users build a custom portfolio from ETFs, ASX-listed stocks, up to 5% Bitcoin, and up to 30% in the property fund. Raiz Kids provides separate accounts for children that can be transferred to them at 18; Raiz Jars gives personal goals their own portfolios and strategies. Raiz Rewards invests a percentage of purchases made through participating brands. My Finance categorizes linked-account transactions and shows spending breakdowns and forecasts. Raiz is available on Android, iOS, and web. There is no free plan: Lite is A$2.50 a month, Regular is A$5.50 a month, and Plus is A$6.50 a month, with account-fee terms for higher balances.

Who it suits

Raiz suits Australian users who want to automate investing with purchase round-ups, scheduled deposits, or one-off investments. It also offers separate features for children’s accounts and personal savings goals.

What it does well

Round-ups invest change from eligible linked-account purchases
Top-ups can be scheduled daily, weekly, or monthly
Offers standard, Emerald, Sapphire, and Property portfolios
Raiz Jars supports goals with separate portfolios and strategies
My Finance categorizes transactions and forecasts spending

What to know first

No free plan
Lite has a $1,500 balance threshold
Higher-balance plans include account-fee terms

Limits

Lite costs A$2.50 a month, includes three preset portfolios and has a $1,500 balance threshold; it does not include Raiz Kids or Raiz Jars. Regular costs A$5.50 a month and/or 0.275% p.a. account fees for balances above $26,000, while Plus costs A$6.50 a month or 0.275% p.a. account fees for balances above $28,000.

Plans

Plan	Billed and limits	Price
Lite	$2.50 / month · 3 preset portfolios · Raiz Rewards · balance threshold $1,500 · no Raiz Kids or Raiz Jars	A$2.50 a month
Regular	$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	A$5.50 a month
Plus	$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	A$6.50 a month

As raizinvest.com.au lists them, read 2 Oct 2026. The maker's own page has the final word.

Getting started

Visit https://raizinvest.com.au/
Choose the Lite, Regular or Plus plan
Use the Android app, iOS app or web service
Link an eligible spending account for round-ups, or provide funding-account details through online banking or manually
Set recurring top-ups or make a one-off investment

Verdict

Raiz combines automated deposits and several portfolio choices with goal, child-account, and spending-tracking features. Compare plan limits and higher-balance fee terms before choosing a subscription.

Questions

How much does Raiz cost?

Lite is A$2.50 a month, Regular is A$5.50 a month, and Plus is A$6.50 a month. Regular and Plus also list account-fee terms for balances above $26,000 and $28,000 respectively.

Is there a free Raiz plan?

No. Raiz is a paid service and does not have a free plan.

Which platforms can I use Raiz on?

Raiz is available on Android, iOS and the web.

How does Raiz automate investing?

It can invest the change from eligible purchases rounded up to the nearest dollar, accept recurring daily, weekly or monthly top-ups, and take one-off investments.

What portfolio choices does Raiz offer?

Choices include standard risk-level portfolios, Emerald, Sapphire with a 5% bitcoin allocation, and Property with a 30% Raiz Property Fund allocation. Plus adds a custom portfolio option.

What safeguards does Raiz describe?

Raiz says its website and app use 256-bit encryption, multi-factor authentication and automatic logouts. It also says it is ASX-listed and regulated and overseen by ASIC.

Facts from Raiz's own pages

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, 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, 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, 2 Oct 2026
Founded: 2016 · raizinvest.com.au, 28 Sept 2026
Free plan: No · raizinvest.com.au, 20 Sept 2026
Headquarters: Sydney, New South Wales, Australia · raizinvest.com.au, 28 Sept 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, 2 Oct 2026
One-off deposits: Users can make one-off investments to their Raiz account. · raizinvest.com.au, 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, 2 Oct 2026
Recurring deposits: Users can set recurring investment top-ups daily, weekly, or monthly. · raizinvest.com.au, 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, 2 Oct 2026
Round-ups: Raiz can automatically invest the change from purchases rounded up to the nearest dollar. · raizinvest.com.au, 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, 2 Oct 2026
Spending tracker: My Finance categorises linked-account transactions, shows spending breakdowns, and forecasts income and spending. · raizinvest.com.au, 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, 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, 2 Oct 2026