Compare Earnr accounts
Learn more about our Everyday, Notice, and Term accounts.
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.
Compare Accounts
Offered rates can change. See each account page for the full rate tables.
How your accounts work
One signup, three accounts
Your Everyday, Notice and Term accounts open together, in the Earnr App or online.
Move money between accounts
Transfers from Everyday are instant. Transfers from Notice and Term follow the notice period or maturity date.
Withdraw through Everyday
Withdraw to your linked bank account from your Everyday Account.
Trusted by Australians
in funds administered
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 2.01x 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
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Common questions
Can I open more than one Earnr account type?
Yes. One signup gives you access to all three account types:
- Everyday
- Notice (30 or 90 day)
- Term (6 or 12 month)
You choose how much goes into each and can move money between them in the Earnr App or online.
How the three accounts work together
Which Earnr account is right for me?
It depends on your timeframe and requirements. Typically, our customers will start with an Everyday Account or Notice Account.
Over time, customers often optimise further by:
- using Notice Accounts for money they won't need for 3-6 months
- moving longer-term savings into a 12 month term for a higher rate
Our Target Market Determination has more information on who each account may suit.
Can I open an account for my SMSF or trust?
Yes. SMSFs and trusts with individual or corporate trustees can open Everyday, Notice and Term accounts with one signup.
Earnr for SMSFs and trusts
What do I need to open an account?
Most people sign up in a few minutes in the Earnr App or online.
For a personal account, you'll need:
- your Australian driver licence or passport
- details of the bank account you want withdrawals paid to
Joint, business, SMSF and trust accounts need a few extra details.
How to open an account
How do I move money between my Earnr accounts?
Use Transfers in the Earnr App or online. How long it takes depends on the account you're moving money from:
- Everyday: instant
- Notice: after 30 or 90 days
- Term: at maturity, if you schedule it before the notice date
When is the notice date on a Term account?
- 6 month terms: 2 months before maturity
- 12 month terms: 3 months before maturity
Schedule a transfer before 5pm Sydney time on the notice date to receive your money at maturity. Anything not scheduled rolls into a new term of the same length.
How do I withdraw money to my bank account?
Withdrawals to your linked bank account are made from your Everyday Account.
To withdraw from a Notice or Term account, transfer the money to your Everyday Account first.
How to withdraw to your bank account
Are there any account fees?
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.
