Earnr Support

At Earnr, your money is managed with the same principles our team applied while overseeing balance sheets at Australia’s largest banks. With decades of experience in funding, credit, liquidity, and risk management, we’ve built Earnr on a framework designed to put customer safety first.

How your money is backed

Every dollar of customer funds is supported by:

• Institutional bank deposits with Australia’s biggest banks
• A diversified pool of low-risk loans secured against Australian property
• Independent custodianship with Bendigo and Adelaide Bank to safeguard assets on behalf of customers

This structure is similar to a traditional bank balance sheet, where funds are placed with other banks and the Reserve Bank of Australia, and loans are made to households.

Why Earnr is conservative

Earnr is designed specifically to provide savers with optimised returns while keeping risk low:

• Lower average loan-to-valuation ratio (LVR): More security backing each loan compared to the Australian mortgage market.
• Shorter loan terms: Reduced exposure to long-term property market swings.
• Significant security buffer: For every $100 million of customer funds, there is currently over $220 million of institutional bank deposits and secured Australian property behind it.

More information

Earnr is a licensed and ASIC regulated non-bank. That means your money is backed by the assets described above, rather than the government financial claims scheme. Before opening an account, we encourage all customers to read the Earnr Product Disclosure Statement (PDS) and understand the risks and features of the product.