Optimise your savings today.
Whether you’re looking to maximise interest income, or save for your own home, we can help.
Why save with Earnr
Open in minutes
One 3 minute signup, three linked account types to suit your needs.
Great, transparent rates
No teaser rates, monthly conditions, or account fees - just great rates.
Safe & secure access
24/7 digital access to your money with institutional grade security.
Peace of mind
Low risk accounts built and operated by former leaders at the major banks.
One 3 minute signup
One easy sign up gives you three linked account types for smart saving. Get started from $1,000.
Gives you three linked account types.
Start smart saving from $1,000.
Earnr Everyday
A simple day to day account with quick access to funds.
Earnr Notice
Top up at any time and access funds in 30 or 90 days^
Earnr Term
A set rate for each term with
6 or 12 month terms available.
Earnr Everyday
A simple day to day account with quick access to funds.
Earnr Notice
Top up at any time and access funds in 30 or 90 days^
Earnr Term
A set rate for each term with
6 or 12 month terms available.
Manage your money anytime, anywhere.
Access Earnr your way
24/7 access using Earnr Online or the Earnr App.
Seamlessly manage funds
Add funds and action transfers in seconds.
Track your earnings daily
Monitor your balances and interest earned around the clock.
Trusted by Australians
in funds managed
by our group
years average leadership team experience at major banks
of customers recommend Earnr to their friends and family
How your money is protected
Regulated & controlled
Earnr is regulated by ASIC, with assets held on trust by Bendigo & Adelaide Bank.
Security backed
Every dollar of customer funds is backed 2.3x by cash and secured Australian property.
Institutional expertise
Built and operated by former ANZ Bank leaders to help Australians get ahead.
Bank-level security
Your money and data are protected with encrypted, industry grade systems.
Hear from our customers
Open an Earnr account today or speak to a specialist
Common questions
There are no entry or account fees. The offered rates you see are after the deduction of all fund costs and management fees.
In the rare event an early withdrawal is approved a fee will apply in accordance with the PDS.
Yes you can - it's easy to open and manage different accounts with Earnr.
In addition to your personal account, you can open as many joint accounts (with up to 5 individuals), business accounts, SMSF and Trust accounts as you like, including as an authorised representative.
To learn more about opening multiple account types, click here.
Earnr has been built specifically for savers. We use decades of banking experience and our networks to find risk-return anomalies in credit markets, for the benefit of our members.
We generate higher returns through:
1. Access to institutional deposit rates with major Australian Banks.
2. Superior returns on secured loans - Earnr's loan portfolio is handpicked to generate a higher return compared to a standard bank home loan mortgage book, whilst being low risk.
You can learn more about our approach, here.
Earnr is ASIC regulated and independently audited, and your investments are held on trust by Sandhurst – a registered custodian, and Bendigo and Adelaide Bank subsidiary – separate from Earnr.
If anything happens to Earnr or the responsible entity, the custodian acts in members’ best interests to manage or sell assets and return funds.
Like all investments, there is a risk Earnr may not perform as expected which could result in the loss of capital or income to our members.
We mitigate risk by:
- Maintaining an allocation of ~20% cash held with Australian banks
- Maintaining allocation to secured loans only with a target loan to valuation ratio of 55-60%
- Maintaining a target weighted loan tenor of 9-12 months to reduce exposure to property market fluctuations.
We publish a monthly beneficial Security Coverage Ratio, which is currently 2.30x the amount of members funds.
To help illustrate how this benefits our members, for every $100m in member funds, Earnr has an interest in $230m of cash and secured Australian property.
Please review the PDS for more information.
