Earnr product documents

Read the Product Disclosure Statement (PDS) and Target Market Determination (TMD) in full before deciding whether to invest in Earnr. The Financial Services Guide (FSG) explains the services Earnr provides.

Product documents

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Product Disclosure Statement
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Target Market Determination
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Financial Services Guide
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Product Disclosure Statement (PDS)

Last updated 8 December 2025

The PDS explains how Earnr works, how your money is invested, the benefits and risks, the fees and costs, and the terms that apply to an investment in Earnr.

The latest PDS is always available at earnr.com.au/pds.

Target Market Determination (TMD)

Last updated 25 September 2026

The TMD sets out the class of consumers Earnr is likely to be suitable for, given their likely objectives, financial situation and needs, and the conditions on how Earnr can be distributed.

The latest TMD is always available at earnr.com.au/tmd.

Financial Services Guide (FSG)

Last updated June 2025

The FSG explains who Earnr Australia Pty Ltd is, the financial services it provides, how it is paid, and how to make a complaint.

Read the Financial Services Guide.

You can also request a free copy of any of these documents by emailing support@earnr.com.au.

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^ 7.35% p.a is the current offered return on an investment in Earnr for a 12-month term, interest paid at maturity. 6.55% p.a is the current offered return on an investment in Earnr 90-day notice, interest paid monthly. 6.15% p.a is the current offered return on an investment in Earnr Everyday, interest paid monthly. 4.25% p.a. is the current offered return on the Corporate Cash Management Account, interest paid monthly. Offered returns are an investment objective and not a forecast. Offered returns are not guaranteed and are determined by the stability of credit markets. Past performance is not an indicator of future performance. ^Withdrawal rights are subject to liquidity and could be delayed or suspended.

^ Earnr ARSN 651 645 715 is an ASIC registered Australian fund offering different investment products. The investment products are not bank deposits, and like all investments, are subject to risks which are set out in the product disclosure statement for Earnr, available on this website. ^Please do not tell us about your financial situation, goals or needs. We do not take these into account. We do not give personal financial advice. Our advice about the product is general and unrelated to you, and it does not purport to be complete. It is up to you or your adviser to consider the extent to which the product is appropriate to you. All images on this website or the Platform are for illustration purposes only and should not be relied on as an indication of future performance.

The software application (the “Platform”) developed by Earnr Holdings Pty Ltd ACN 637 125 421 is operated by Earnr Australia Pty Ltd ACN 650 455 486 AFS licence authorised representative (CAR No 001293334). Earnr is an authorised representative of Primary Securities Limited, ACN 089 812 635, AFSL 224107 (Responsible Entity). 'Earnr' is a registered trademark belonging to Earnr Holdings Pty Ltd ACN 637 125 421. By accessing or using any part of this website or the Platform you agree to be bound by our Terms and Conditions and our Privacy Statement.

© Earnr 2026. All Rights Reserved.

Earnr Holdings Pty Ltd · Level 1, 347 Kent Street, Sydney NSW 2000