Secure returns for your SMSF or trust.

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.

Yes you can - it's easy to open and manage different accounts with Earnr.

In addition to your SMSF or Trust account(s), you can open a personal account, and as many joint (with up to 5 individuals) and business accounts as you like, including as an authorised representative.

Learn more about managing multiple legal accounts.

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.

Learn more about our approach.

Earnr is ASIC regulated and independently audited, and your investments are held on trust by Sandhurst Trustees – a registered 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 a considerable allocation to cash held with Australian banks
- Maintaining allocation to secured loans only with a low weighted average loan to valuation ratio
- 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 shows how much cash and security is covering member funds.
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To help illustrate how this benefits our members, for example if the Security Coverage Ratio is 2.10, for every $100m in member funds, Earnr has an interest in $210m of cash and secured Australian property.

Please review the Product Disclosure Statement for more information.

Earnr is built to support SMSF and Trust structures.

We operate within an ASIC-regulated structure, are independently audited, and provide custody records, statements and annual tax reports to help meet audit requirements.

After 30 June, Earnr also reports the interest it paid to the ATO in an Annual Investment Income Report. Monthly statements and annual tax statements can also be downloaded from the Earnr app.

Yes. You can add your accountant as an authorised representative on your SMSF or trust's Earnr account. Learn more about adding an authorised representative to your Earnr account.

Yes, if it fits with your investment strategy and risk appetite. Many SMSFs use Earnr as part of the income or defensive part of their investment strategy, alongside the SMSF's bank account and its growth investments like shares and property.

Earnr Everyday, Notice and Term pay a regular return from Australian bank deposits and secured property loans, paid monthly, or at maturity for a Term.

You can open an SMSF/trust account in minutes, online or in the Earnr app. You'll need ID details for each trustee (or each director, if there's a company trustee), the SMSF/trust's ABN, and its bank account details. You can add the deed and TFN later.

Learn more about what you need to open an SMSF/trust account.