Modern office with business people discussing ideas in a productive meeting

Our Approach

We believe higher returns can be achieved without increased risk or volatility.

Our team has managed and lent billions of dollars at Australia's biggest banks.

When you choose Earnr, you get the benefit of decades of experience, deep industry relationships, and direct access to wholesale treasury and credit markets.

Earnr Head Office
Sydney, NSW

How we generate our returns

Access to institutional deposit rates - Earnr has institutional access to the major Australian banks and gains higher returns on deposits.

Superior return on secured loans - Earnr's loan portfolio is hand-picked to generate a higher return compared to a standard bank home loan mortgage book, whilst being low risk.

Your money is backed by

Institutional Bank Deposits

with ANZ Bank, Macquarie Bank, National Australia Bank

Secured Loans

backed by Australian property

AS AT 31 MAY 2025

Our institutional holdings in major Australian bank deposits drive higher returns with excellent liquidity.
Maintaining a low average loan to valuation ratio gives us strong security coverage against loans.
Short average loan tenor ensures we are less exposed to property market volatility.
Funding many small secured loans compared to fewer larger loans ensures less single loan exposure and more diversification.

Institutional Bank Deposits

with ANZ Bank, Macquarie Bank, National Australia Bank

Earnr Everyday

institutional bank deposits and secured loans

AS AT 31 MAY 2025

By leveraging our treasury relationships with major Australian banks and dynamically managing deposits amongst institutions, we bring an institutional treasury capabilty and opimtimised rates to our corporate customers.

See our historical rates

We’re proud of our history helping Australians get ahead. Expand the table below to see all our historical rates.

RBA Cash Rate

Earnr 6 Month Term

Earnr 12 Month Term

May 25

3.85% p.a.

6.60% p.a.

7.20% p.a.

Apr 25

4.10% p.a.

6.60% p.a.

7.20% p.a.

Mar 25

4.10% p.a.

6.60% p.a.

7.20% p.a.

Feb 25

4.10% p.a.

6.60% p.a.

7.20% p.a.

Jan 25

4.35% p.a.

6.60% p.a

7.20% p.a

Dec 24

4.35% p.a.

6.60% p.a.

7.20% p.a.

Nov 24

4.35% p.a.

6.60% p.a.

7.20% p.a.

Oct 24

4.35% p.a.

6.60% p.a.

7.20% p.a.

Sept 24

4.35% p.a.

6.60% p.a.

7.20% p.a.

Aug 24

4.35% p.a.

6.60% p.a.

7.20% p.a.

Jul 24

4.35% p.a.

6.60% p.a.

7.20% p.a.

Jun 24

4.35% p.a.

6.60% p.a.

7.20% p.a.

May 24

4.35% p.a.

6.60% p.a.

7.20% p.a.

Apr 24

4.35% p.a.

6.60% p.a.

7.20% p.a.

Mar 24

4.35% p.a.

6.60% p.a.

7.20% p.a.

Feb 24

4.35% p.a.

6.60% p.a.

7.20% p.a.

Jan 24

4.35% p.a.

6.25% p.a.

6.95% p.a.

Dec 23

4.35% p.a.

6.25% p.a.

6.95% p.a.

Nov 23

4.35% p.a.

6.25% p.a.

6.95% p.a.

Oct 23

4.10% p.a.

6.25% p.a.

6.95% p.a.

Sept 23

4.10% p.a.

6.25% p.a.

6.95% p.a.

Aug 23

4.10% p.a.

6.25% p.a.

6.95% p.a.

Jul 23

4.10% p.a.

6.25% p.a.

6.95% p.a.

Jun 23

4.10% p.a.

6.25% p.a.

6.95% p.a.

May 23

3.85% p.a.

6.25% p.a.

6.95% p.a.

Apr 23

3.60% p.a.

6.00% p.a.

6.65% p.a.

Mar 23

3.60% p.a.

6.00% p.a.

6.65% p.a.

Feb 23

3.35% p.a.

6.00% p.a.

6.65% p.a.

Jan 23

3.10% p.a.

5.50% p.a.

6.10% p.a.

Dec 22

3.10% p.a.

5.50% p.a.

6.10% p.a.

Nov 22

2.85% p.a.

5.25% p.a.

5.50% p.a.

Oct 22

2.60% p.a.

5.25% p.a.

5.50% p.a.

Sept 22

2.35% p.a.

5.25% p.a.

5.50% p.a.

Aug 22

1.85% p.a.

5.00% p.a.

5.25% p.a.

Jul 22

1.35% p.a.

5.00% p.a.

5.25% p.a.

Jun 22

0.85% p.a.

5.00% p.a.

5.25% p.a.

May 22

0.35% p.a.

5.00% p.a.

5.25% p.a.

Apr 22

0.10% p.a.

5.00% p.a.

5.25% p.a.

Mar 22

0.10% p.a.

5.00% p.a.

5.25% p.a.

Feb 22

0.10% p.a.

5.00% p.a.

5.25% p.a.

Jan 22

0.10% p.a.

5.00% p.a.

5.25% p.a.

Dec 21

0.10% p.a.

5.00% p.a.

5.25% p.a.

Nov 21

0.10% p.a.

5.00% p.a.

5.25% p.a.

Oct 21

0.10% p.a.

5.00% p.a.

5.25% p.a.

See all historical rates