Raiz Invest

What Raiz Invest does

Raiz Invest Limited (ASX: RZI) is an Australian mobile-first micro-investing platform founded in 2015 (originally as Acorns Australia, rebranded to Raiz) and headquartered in Sydney. The company serves everyday Australian retail investors - particularly first-time investors, families saving for children, and SMSF trustees - by automating contributions through card round-ups to the nearest dollar, recurring daily/weekly/monthly deposits, and lump sum top-ups, with a $5 minimum investment threshold and no minimum deposit to open an account. Customers select from five standard risk portfolios (Conservative to Aggressive), Emerald (socially responsible), Sapphire (5% Bitcoin via Gemini custody), Property (30% Raiz Property Fund via Sandhurst Trustees), or build a custom Plus portfolio from ETFs, ASX-listed stocks, up to 5% Bitcoin and up to 30% property. Supporting sub-products include Raiz Kids (under-18 sub-accounts), Raiz Jars (goal-based savings with per-jar portfolios), Raiz Invest Super (via AMG Super/Equity Trustees), and Raiz SMSF (dedicated webapp). Underlying infrastructure relies on Yodlee/Consumer Data Right for bank transaction aggregation, GBG/Illion for Document Verification Service identity checks, and an AI chatbot (Ashlee) for in-app support; ETF/cash custody is held at Perpetual Corporate Trust, property at Sandhurst Trustees, and Bitcoin at Gemini Trust Company.

The business model is subscription-led and consumer-direct. Pricing is tiered: Lite $2.50/month (3 preset portfolios, auto-upgrades at $1,500 balance to Regular), Regular $5.50/month plus a 0.275% p.a. account fee on balances above $26,000 (8 preset portfolios plus Kids and Jars), and Plus $6.50/month plus 0.275% p.a. on balances above $28,000 (custom portfolio builder). Sapphire and Property portfolios carry an additional $5.50/month plus 0.275% p.a. regardless of tier, and a separate Offsetters subscription ($3.70/month) funds carbon offsetting. Distribution is product-led growth via iOS/Android apps, the App Store and Google Play, self-serve onboarding, SEO/content (Raiz Learn Academy), organic social, and a Raiz Rewards cashback ecosystem (Nike, Sephora, Booking.com, Myer, eBay, The Iconic, Cotton On, Catch, The Good Guys) that generates affiliate commission. Strategic capital partners Seven West Media ($10M in Nov 2021 for 6.6%) and State Street Global Advisors (~5% in Aug 2024) provide media distribution and institutional validation respectively.

As of H1 FY2026 (six months to 31 December 2025), the company had ~$2.1B FUM, 336,048 active customers, revenue of $14.4M AUD (+23.9% YoY), ARPU of $86.45 (+16.4%), and NPAT of $3.52M (versus a $1.1M loss in the prior period), with more than 1.5 million cumulative sign-ups since 2015 and a 4.7-star app rating across 45,000+ reviews. Strategic positioning is captured in ASX disclosures, the SuperRatings SR50 ranking (Raiz Invest Super Moderately Aggressive returned 13.8% for 12 months to 30 June 2025, ranking first among Balanced options), and a Finder Customer Satisfaction Award in the micro-investing app category.

Name

Raiz Invest

Legal name

Raiz Invest Australia Limited

Website

https://raizinvest.com.au

Company type

Public

Founded year

2015

Operating status

Operating

Headcount range

11–50 employees

Short description

Raiz Invest (ASX: RZI) is an Australian mobile-first micro-investing platform, founded in 2015, that automates spare-change investing, recurring deposits, and portfolio rebalancing for everyday retail Australians via a tiered subscription app with integrated Super, SMSF, Kids, and Jars products.

Ownership category

akta.pro rank

Product category

Micro-Investing Platform

NAICS

Portfolio Management and Investment Advice (523940), Open-End Investment Funds (52591), Other Financial Vehicles (525990)

SIC

Investment Advice (6282), Finance Services (6199)

akta.pro primary industry

Goal-Based & Micro-Investing Platforms (Round-ups, Fractional) (FSAGAEAG)

Keywords

• Micro-investing platform
• Automated investing app
• Round-up investments
• Portfolio management
• Superannuation services

Headquarters

HQ city

Sydney

HQ country

Australia

HQ region

Oceania

Offices1 record

Markets served

GTM type

B2C

Offering type

Software

Cost components

Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure

Revenue model

1. Monthly Subscription Fees: Raiz charges monthly plan fees (Lite $2.50, Regular $5.50, Plus $6.50) for platform access, brokerage, and automated investing features. This is the primary recurring revenue stream.
2. Account Fee (AUM-based): For balances above thresholds ($26,000 for Regular, $28,000 for Plus), an additional 0.275% p.a. account fee applies. Sapphire and Property portfolios incur $5.50/month plus the same 0.275% p.a. fee.
3. Raiz Rewards Commission: Third-party retailers pay Raiz a commission (flat fee or percentage of eligible purchases) for promoting Raiz Rewards to Raiz customers. This is earned when customers shop at partner brands.
4. Offsetters Subscription: $3.70/month subscription for carbon offsetting community, collected from users who join the Offsetters program.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels9 records

Core offering

Raiz Invest operates a mobile-first micro-investing platform that automates saving and investing through round-ups from everyday card purchases, recurring deposits, and lump-sum investments starting from just $5. The platform offers diversified portfolios spanning ETFs, ASX-listed stocks, Bitcoin (up to 5%), and Australian residential property (up to 30% via the Raiz Property Fund), and bundles in integrated superannuation (Raiz Invest Super) and self-managed super fund (SMSF) capabilities for Australian retail consumers.

Product overview

Raiz Invest is an Australian fintech company operating a mobile-first micro-investing platform. The core product offers automated investing through round-ups from everyday purchases, recurring investments, and lump sum deposits. Users can choose from multiple portfolio options: five Standard portfolios (Conservative to Aggressive), Emerald (socially responsible), Sapphire (Bitcoin exposure), Property (real estate), and Plus (customizable). Premium tiers include Raiz Kids for child accounts, Raiz Jars for personalized savings goals, and Raiz Rewards for cashback investments. The company also offers Raiz Invest Super (superannuation) and Raiz SMSF integration as regulated financial products. Pricing is structured across three tiers: Lite ($2.50/month), Regular ($5.50/month), and Plus ($6.50/month) with associated account fees for higher balances. All investments are held in custody by Perpetual Corporate Trust (ETFs/cash) and Sandhurst Trustees (property), with Bitcoin held by Gemini.

Differentiator

Problem solved

Functional benefit

Brands

• Raiz Invest Super: Superannuation product offered by Raiz, allowing users to manage their retirement savings through the same app and portfolios as their investment accounts.
• Raiz Kids
• Raiz Jars
• Raiz Rewards
• Raiz Property Fund
• Offsetters

Products and services

• Raiz Micro-Investing Platform Mobile-first micro-investing application (iOS and Android) that automates saving and investing through round-ups from everyday purchases, recurring daily/weekly/monthly deposits, and lump-sum investments starting from $5. Provides access to Standard (Conservative to Aggressive), Emerald (ESG), Sapphire (Bitcoin), Property (real estate), and Plus (custom) portfolios for individual Australian consumers.
• Raiz Invest Super Superannuation product integrated into the Raiz app that lets users consolidate and manage their retirement savings using the same diversified portfolio options as the Raiz investment platform. Includes Property 10 and Property 30 super-only portfolios with 10% and 30% allocations to the Raiz Residential Property Fund. Issued by Equity Trustees Superannuation Limited as Trustee of AMG Super.
• Raiz SMSF Dedicated offering for Self-Managed Super Fund trustees, delivered through a separate web app, that brings the Raiz portfolio construction, automated rebalancing, and asset coverage (ETFs, ASX-listed stocks, Bitcoin, Property Fund) into the SMSF structure. Designed for Australian consumers who already operate or want to onboard an SMSF.
• Offsetters Carbon Offset Subscription $3.70/month subscription service for individual Australian consumers that funds carbon offset projects such as Cleaner Climate and the Australian Disaster Relief Fund, enabling participants to offset their personal carbon footprint as a separately purchased add-on to the Raiz ecosystem.

Quantifiable outcome

• $2 billion in Funds Under Management as of September 2025, growing 28.5% year-over-year to $2.1 billion by December 2025
• +7 more outcomes

Named customers9 records

Segments4 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

AI capability1 record

Feature10 records

Partnerships

17 partnerships are on record, tiered minor and core.

• NikeminorGTM or Marketing PartnerNike is a Raiz Rewards partner brand. When Raiz users shop at Nike via the Raiz app, a percentage of their purchase is automatically invested into their Raiz account.
• SephoraminorGTM or Marketing PartnerSephora is a Raiz Rewards partner brand. When Raiz users shop at Sephora via the Raiz app, a percentage of their purchase is automatically invested into their Raiz account.
• Booking.comminorGTM or Marketing PartnerBooking.com is a Raiz Rewards partner brand. When Raiz users book travel via the Raiz app, a percentage of their purchase is automatically invested into their Raiz account.
• MyerminorGTM or Marketing PartnerMyer is a Raiz Rewards partner brand. When Raiz users shop at Myer via the Raiz app, a percentage of their purchase is automatically invested into their Raiz account.
• eBay AustraliaminorGTM or Marketing PartnereBay is a Raiz Rewards partner brand. When Raiz users shop on eBay via the Raiz app, a percentage of their purchase is automatically invested into their Raiz account.
• The IconicminorGTM or Marketing PartnerThe Iconic is a Raiz Rewards partner brand. When Raiz users shop at The Iconic via the Raiz app, a percentage of their purchase is automatically invested into their Raiz account.
• The Good GuysminorGTM or Marketing PartnerThe Good Guys is a Raiz Rewards partner brand. When Raiz users shop at The Good Guys via the Raiz app, a percentage of their purchase is automatically invested into their Raiz account.
• Catch.com.auminorGTM or Marketing PartnerCatch.com.au is a Raiz Rewards partner brand. When Raiz users shop at Catch via the Raiz app, a percentage of their purchase is automatically invested into their Raiz account.
• Cotton OnminorGTM or Marketing PartnerCotton On is a Raiz Rewards partner brand. When Raiz users shop at Cotton On via the Raiz app, a percentage of their purchase is automatically invested into their Raiz account.
• Perpetual Corporate Trust LimitedcoreTechnology or IntegrationPerpetual Corporate Trust Limited provides custody services for Raiz's ETF Units and cash holdings in the Raiz Invest Australia Fund. They are a leading provider of custody services and a member of ASX-listed Perpetual Limited group, operational since 1886.
• Sandhurst Trustees (Bendigo and Adelaide Bank)coreTechnology or IntegrationSandhurst Trustees, a wholly owned subsidiary of Bendigo and Adelaide Bank, provides custody services for Raiz Property Fund Units. Operational since 1888.
• Gemini Trust CompanycoreTechnology or IntegrationGemini Trust Company LLC provides custody services for Raiz's Bitcoin and cash holdings. Gemini is a New York State-regulated limited purpose trust company and a leading cryptocurrency custody provider.
• GBG (Gateway Service Provider)coreTechnology or IntegrationGBG is Raiz's Gateway Service Provider for the Document Verification Service (DVS) administered by the Attorney-General's Department. Used for identity verification of customers during onboarding.
• Illion AustraliacoreTechnology or IntegrationIllion Australia Pty Ltd is appointed as an Information Match Agent supporting the DVS identity verification process for Raiz customers.
• Yodlee (Envestnet)coreTechnology or IntegrationYodlee is used by Raiz to access transaction data from users' linked financial institutions, enabling round-up functionality, spending analysis, and account aggregation services.
• Equity Trustees Superannuation LimitedcoreTechnology or IntegrationEquity Trustees Superannuation Limited is the Trustee of AMG Super, the fund through which Raiz Invest Super is issued. Raiz Invest Australia Limited is the promoter of Raiz Invest Super as a division of AMG Super.
• Instreet Investment LimitedcoreOthersInstreet Investment Limited (ABN 44 128 813 016, AFSL 434776) is the Responsible Entity of the Raiz Invest Australia Fund and the Raiz Property Fund. Raiz Invest Australia Limited is a wholly owned subsidiary and Corporate Authorised Representative of Instreet.

Scale indicators13 records

Recent moves6 records

Expansion highlights6 records

Market position

Competitive moat5 records

Key highlights7 records

Customer concentration

• Xx.com/raizaustralia
• Facebookfacebook.com/raizapp
• LinkedInlinkedin.com/company/acorns-grow-australia-limited

Compliance7 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Subsidiaries2 records

Funding overview

Funding rounds3 records

Investors2 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A1 record

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Raiz Invest