Earnr Term
Our highest available rates with flexible options to suit your needs.
7.20%
p.a^
12 month term with interest paid at maturity
Term Accounts
Earnr Terms are a low risk option for savers seeking our highest rates and not requiring funds for the term. Funds are invested in a diversified pool of Australian major bank deposits and secured loans.
Choose from 6 or 12 month terms, with the choice of interest paid monthly, or at maturity.
Speak to an Earnr Specialist
Features
Set rate for term
Commit funds to a 6 or 12 month term with a set rate for the entire term.
Flexible interest
Choose to have interest paid monthly to your Earnr Everyday account, or, paid out at maturity.
Easy to manage
View and manage your Earnr Terms 24/7 online or in the Earnr app.
No account fees
No application, account keeping, or transfer fees.
Rates
Transfers at maturity must be actioned before the notice date, which is 2 months before maturity for 6 month terms, and 3 months before maturity for 12 month terms. Please see the PDS and Common Questions for more information. Please note Earnr is not a bank. Past performance is not a reliable indicator of future performance and interest payments are not guaranteed.
How to open
New to Earnr
Get started in 3 minutes online or by downloading the Earnr App.
Term accounts are available for all account types.
Existing Earnr Customer
You can open a new term by logging in online, or in the Earnr App.
Select add funds, and follow the steps to open your new term.
Keep track of your terms with ease
Online and app
Monitor all your Terms alongside other accounts in Earnr Online or the Earnr App.
Monitor key dates
Keep track of maturity dates and notice dates to schedule transfers at maturity.
Action in seconds
Schedule a transfer at maturity and create new Terms with ease.
See interest grow daily
View your interest earned daily, and access monthly and annual statements.
What happens at maturity?
Auto-roll
If you haven’t scheduled a transfer, your balance will roll for another equal term at the rate on the day.
Scheduled withdrawal
Any balance transfer you’ve scheduled before the notice date will arrive in your chosen Earnr account at maturity.
Locking in at 7.00% p.a has made a big difference to my earnings and I don't have the stress of stock market swings.
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.
Earnr Term Accounts offer our highest rates, which are fixed for the term.
You can withdraw funds at the end of the term by scheduling a withdrawal before the Notice Date:
- 6 month Term: The Notice Date is 2 months before the end of the term
- 12 month Term: The Notice Date is 3 months before the end of the term
The Notice Date for each investment is shown inside the Earnr App and in our online platform, and it takes just seconds to make a withdrawal.
Please note your investment will automatically roll on the maturity date for another equal term, unless you make a withdrawal on or before the Notice Date.
Please contact us if you have any questions - we're here to help.
Generally if Earnr receives your funds before 2pm Sydney time, you'll start earning interest that day.
If they arrive after 2pm, you'll start earning interest the next business day.
Interest accrues daily and is paid monthly or at maturity on Term accounts, depending on your selection.
To find out more about Term Accounts, book a call with specialist here.
Earnr Term Accounts give you the option to receive interest monthly or at maturity.
Some customers prefer to maximise their interest income at a higher rate by receiving interest at maturity, typically when they are saving towards a goal or building long term capital.
Other customers choose to receive monthly interest (which is paid into the Everyday Account), often when they are funding their lifestyle or a recurring cost (like rent) for their business.
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 Trustees – an independent 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.
We are here to help
Book a call
Book a call with an Earnr product specialist at a convenient time.
1300 332 062
Call our Australian based team between 9am and 5pm (Sydney time) on weekdays.
Chat with us online
Speak to us on live chat between 9am and 5pm (Sydney time) on weekdays.
Features
Set rate for term
Commit funds to a 6 or 12 month term with a set rate for the entire term.
Flexible interest
Choose to have interest paid monthly to your Earnr Everyday account, or, paid out at maturity.
Easy to manage
View and manage your Earnr Terms 24/7 online or in the Earnr app.
No account fees
No application, account keeping, or transfer fees.
Rates
Transfers at maturity must be actioned before the notice date, which is 2 months before maturity for 6 month terms, and 3 months before maturity for 12 month terms. Please see the PDS and Common Questions for more information. Please note Earnr is not a bank. Past performance is not a reliable indicator of future performance and interest payments are not guaranteed.
New to Earnr
Get started in 3 minutes online or by downloading the Earnr App.
Term accounts are available for all account types.
Existing Earnr Customer
You can open a new term by logging in online, or in the Earnr App.
Select add funds, and follow the steps to open your new term.
Keep track of your terms with ease
Online and app
Monitor all your Terms alongside other accounts in Earnr Online or the Earnr App.
Monitor key dates
Keep track of maturity dates and notice dates to schedule transfers at maturity.
Action in seconds
Schedule a transfer at maturity and create new Terms with ease.
See interest grow daily
View your interest earned daily, and access monthly and annual statements.
What happens at maturity?
Auto-roll
If you haven’t scheduled a transfer, your balance will roll for another equal term at the rate on the day.
Scheduled withdrawal
Any balance transfer you’ve scheduled before the notice date will arrive in your chosen Earnr account at maturity.
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.
Earnr Term Accounts offer our highest rates, which are fixed for the term.
You can withdraw funds at the end of the term by scheduling a withdrawal before the Notice Date:
- 6 month Term: The Notice Date is 2 months before the end of the term
- 12 month Term: The Notice Date is 3 months before the end of the term
The Notice Date for each investment is shown inside the Earnr App and in our online platform, and it takes just seconds to make a withdrawal.
Please note your investment will automatically roll on the maturity date for another equal term, unless you make a withdrawal on or before the Notice Date.
Please contact us if you have any questions - we're here to help.
Generally if Earnr receives your funds before 2pm Sydney time, you'll start earning interest that day.
If they arrive after 2pm, you'll start earning interest the next business day.
Interest accrues daily and is paid monthly or at maturity on Term accounts, depending on your selection.
To find out more about Term Accounts, book a call with specialist here.
Earnr Term Accounts give you the option to receive interest monthly or at maturity.
Some customers prefer to maximise their interest income at a higher rate by receiving interest at maturity, typically when they are saving towards a goal or building long term capital.
Other customers choose to receive monthly interest (which is paid into the Everyday Account), often when they are funding their lifestyle or a recurring cost (like rent) for their business.
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 Trustees – an independent 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.
Locking in at 7.00% p.a has made a big difference to my earnings and I don't have the stress of stock market swings.
We are here to help
Book a call
Book a call with an Earnr product specialist at a convenient time.
1300 332 062
Call our Australian based team between 9am and 5pm (Sydney time) on weekdays.
Chat with us online
Speak to us on live chat between 9am and 5pm (Sydney time) on weekdays.
