You are not another number.
Banks are skewed to benefit mortgage holders over savers, and boutique investment groups focus on the privileged few.
At Earnr, we’re here to help whether you’re just starting out, or an experienced operator.
Our team
A team of banking leaders, credit and financial market experts, dedicated to providing the best platform for savers.
Our customers
We provide Everyday, Notice and Term Accounts for home savers, individuals, SMSFs, trusts and businesses to optimise their surplus cash.
Our beginning
After 20 years as leaders at Australia’s major banks, we founded Earnr as a purpose-led institution in 2019.
Our purpose
To help Australians get ahead by providing access to the products and tools once reserved for the wealthy.
Earnr is shaped by these principles
Clear and transparent
We will always show you exactly what your return is, and how it’s generated.
Built for all
Here to help whether you’re starting out, or an experienced investor.
Side by side
Our own funds are invested in our products, along with yours.
Customers first, always
The protection and experience of our customers is our highest priority.
Common questions
What is Earnr?
Earnr is an Australian platform for savers that helps your cash work harder through its Everyday, Notice and Term Accounts and its Corporate Cash Management Account.
We were founded in Sydney in 2019 by CEO Mark Genovesi and a team of leaders from Australia's major banks. Our leaders spent decades at ANZ, Commonwealth Bank, Bank of Queensland, Bankwest, Credit Suisse and Barclays, and built Earnr to give everyone access to the same cash management tools and higher-income options available to institutional and high-net-worth investors.
Earnr serves individual, SMSF, trust and corporate customers, and in October 2026, reported five years of audited returns - and five years of successfully helping savers pursue their goals.
Earnr operates ASIC-registered managed investment schemes (ARSN 651 645 715) and is not a bank.
Who can use Earnr?
Earnr accounts are available to individuals, joint account holders, SMSFs, trusts and businesses. Companies with $1 million or more in surplus cash can also use the Corporate Cash Management Account.
How does Earnr keep my money safe?
Your investment is held on trust by Sandhurst Trustees, an independent custodian owned by Bendigo and Adelaide Bank, separate from Earnr's own operations. An independent responsible entity oversees the fund, Earnr is externally audited, and a Security Coverage Ratio is reported to investors every month.
See our Product Disclosure Statement for more information.
Who regulates Earnr?
Earnr is regulated by ASIC. Primary Securities Ltd (AFSL 224107) is the responsible entity of the fund, and Earnr Australia Pty Ltd is its authorised representative.
Where can I read Earnr reviews?
You can read reviews from Earnr customers on Earnr's Google Business Profile and on the Earnr app page in the Apple App Store.
Is Earnr a bank?
No. Earnr operates ASIC-registered managed investment schemes, so your money is an investment, not a bank deposit, and it isn't covered by the government's Financial Claims Scheme.
The fund invests in deposits with major Australian banks and in secured Australian property loans.
Is Earnr related to the UK tax app Earnr, Earnin or Block Earner?
No. Earnr is an Australian platform for savers, based in Sydney, Australia. It has no connection to the UK tax and bookkeeping app that also uses the name Earnr, to Earnin, to Earnd, or to Block Earner.
Leadership team
Meet our experienced leadership team
Our approach
How we look after your money
