How do I add funds to Earnr? Once your account is open and verified, you’re ready to add funds and start earning interest. To add funds to one of your Earnr Accounts: - Log into the Earnr app or Earnr online - Select Add Funds on the home page in the Earnr app, or the sidebar in Earnr online (you can also select Add Funds on the Transfers screen) - Select the account you're adding funds to, enter the amount, check and confirm - You'll be presented with instructions on where to send funds to - Open your banking app and make the transfer according to the details in the Earnr App (take extra care checking the details) When will my funds arrive? Generally your funds will reach Earnr on the same day, or the next business day. Exactly when depends on the payment method used by your bank, and depending on the payment method, how your bank batches payments and what time you transfer the funds. If your bank allows you to choose the payment type, the quickest way to get your funds to Earnr is to select 'Osko' as the payment type. If your bank doesn't allow you to choose the payment type (and doesn't send them via Osko behind the scenes) they'll generally reach Earnr late in the evening on the day you sent them or the next business day (if you've sent them after 5pm Sydney time). When will I start earning interest? Generally if your funds appear at Earnr before 2pm Sydney time, they'll be cleared and you'll start earning interest that day. If they appear after 2pm, you'll start earning interest the next business day. It's over one business day, why can't I see my funds? This may be due to one of the following: - Your bank may be taking longer than usual to process the transfer - this can occur on your first transfer to Earnr or due to an issue with your bank. - A whole business day hasn't passed - if you've sent the funds after 5pm or on the weekend or a public holiday, make sure a whole business day has passed. - Our systems and processes have flagged the need for more information relating to your account or transaction - expect to hear from us and see more information. - You entered incorrect account details for Earnr sending funds - in this case your funds will generally bounce back to your account within 2 business days. If it’s been more than one whole business day and your funds still haven’t appeared, get in touch with us via support@earnr.com.au or 1300 332 062. What if I send funds to Earnr but forget to specify what account I want them in? In this case, our operations team will make contact with you. Once you're verified we'll record your instruction, and apply them to your preferred account. If we can't contact you within 1 business day of the receipt of your funds and your account is verified, your funds will be added to your Earnr Everyday account.

What information is included in an Annual Statement? You can produce an annual statement per account holder for multiple financial years. For the selected financial year, Earnr's Annual Statement shows: - Balance for each account as at 30 June - Total balance across all Earnr accounts held by the account holder - Interest paid on each account type for the period 1 July to 30 June - Total interest paid across all Earnr Accounts held by the account holder for the period 1 July to 30 June Does Earnr report my interest to the ATO? Yes. After 30 June, Earnr reports the interest it paid to the ATO in an Annual Investment Income Report. This typically reaches the ATO by the end of July. For individuals, it will generally show up in your tax return automatically. If the account is held by an SMSF or trust, the SMSF or trust still needs to include the income in its own tax return. The same applies to business accounts. How do I generate an Annual Statement? You can generate an Annual Statement in seconds through Earnr Online or the Earnr App. In Earnr Online: - Navigate to 'Account Actions' in the top menu - Select 'Statements' - Select 'Annual Statements' - Select 'Download' In the Earnr App: - Navigate to 'More' in the bottom menu - Select 'Statements' - Select 'Annual Statements' - Select 'Download' How do I generate an Annual Statement for a specific legal account I have? Earnr statements apply per account holder. For example if you have accounts as an individual and also as a business, you can generate one statement for your individual accounts, and one statement for your business. In Earnr Online: Select the desired account holder in the top menu, and then follow steps 1 to 4 above. In the Earnr App: Follow steps 1 to 3 above, select the desired account holder from the top menu, then download per step 4.

Earnr allows authorised representatives to receive information or perform operational actions on third party accounts. For personal accounts or SMSFs & Trusts - this might be another family member, or an accountant. For business accounts this might be a financial controller or a similar employee. What's needed? We'll require the account holder and authorised representatives to complete Earnr's Delegated Account Authority process. Authorised representatives will need to have their identity verified if they are not a customer of Earnr or an existing authorised representative. We may also require an enduring power of attorney depending on the account type and circumstances. How do I organise this and how long does it take? Please email support@earnr.com.au or call us on 1300 332 062 to get started - an Earnr Support team member will guide you through the process. We've worked hard to streamline this process. If you have your documentation in order - we'll generally have the arrangement up and running within a day. Large Corporate Customers Our account opening process for large corporates includes a delegated authority where your organisation can nominate authorised representatives, and account controls for transfers and communications.

You can open a Business Account with Earnr in minutes. What you'll need to open a Company Account - Details of the Australian driver licence or passport for each director - Company bank account details for withdrawals - ACN for the company - TFN for the company (you can provide it later if you don’t have it there) What you'll need to open a Sole Trader Account - Your Australian driver licence or passport details - Your bank account details for withdrawals - Your ABN - Your TFN (you can provide it later if you don’t have it there) What you'll need to open a Partnership Account - Details of the Australian driver licence or passport for each partner - Partnership bank account details for withdrawals - ABN for the partnership - TFN for the partnership (you can provide it later if you don’t have it on you) How to open - new customers - You can open a Business Account in minutes by downloading the Earnr App or signing up to Earnr online. How to open - existing customers If you already have an Individual or an SMSF or Trust account with Earnr - you can open a Business Account by: - Log into Earnr on your desktop or laptop - Head to Account Actions in top navigation bar - Select: Open a New Legal Account Get help If you need any help opening an account you can contact us.

If you wish to close your Earnr accounts please email support@earnr.com.au with the subject line: Account Closure. An Earnr Support team member will contact you to verify your identity, and complete the account closure process. Accounts can be closed once they have a balance of zero and no scheduled transfers in place. In accordance with regulatory requirements, you will retain online access to your account so you can download historical account statements. Please note we are required to securely store certain information for regulatory purposes. This data will not be used for any other purpose. For more information please refer to our Privacy Policy.

The Earnr Everyday Account gives you quick access to funds, with a great rate on the first balance tier and very competitive rates on balances above that. Adding funds You can get started with a minimum of $1,000, and then add funds at anytime by: - Making a transfer from another Earnr account, for any amount - see Account to Account Transfers for help. - Sending funds from an external account, from $100 - see Adding Funds for help. Transferring funds out You can transfer funds to your Earnr Notice Accounts or a new Earnr Term Account - your funds will instantly be available in the destination account. See Account to Account Transfers for more information. You can also easily transfer funds to your linked bank account. If you transfer before 2pm Sydney time on a business day, your funds will generally be available in your bank account that evening. See Withdrawing Funds for more information. Interest Payments The Everyday Account is a tiered variable rate account - a different interest rate applies to each balance tier in your account. Interest is calculated daily and accrues throughout the month. The total interest accrued during a month is paid into your account on the last day of the month. This is the same way interest is accrued and paid on most bank accounts. See How Interest is Calculated for more information. Where can I find current interest rates? Head to 'Accounts' in the Earnr App or online, select 'Earnr Everyday', and then select 'Details'. You'll be able to see each balance tier and the rate for each tier. Where can I see my interest earnings? Head to 'Accounts' in the Earnr App or online, select 'Earnr Everyday', and then select 'Details'. You'll be able to see: - Accrued interest, not yet paid - Year to date interest paid - Previous year interest paid - Lifetime interest paid

Earnr Notice Accounts reward you for planning ahead. You can choose from our 30 Day Notice Accounts and our 90 Day Notice Accounts, depending on when you may need to access funds. Adding funds You can get started with a minimum of $1,000, and then add funds at anytime by: - Making a transfer from another Earnr account, for any amount - see Account to Account Transfers for help. - Sending funds from an external account, from $100 - see Adding Funds for help. Transferring funds out You can transfer funds out of a notice account to another Earnr account, for any amount. Transfers out of your 30 Day Notice Account will appear in the destination account in 30 calendar days if you make the transfer before 2pm Sydney time. Transfers out of your 90 Day Notice Account will appear in the destination account in 90 calendar days if you make the transfer before 2pm Sydney time. If you want to transfer funds to your linked bank account, you'll need to first transfer funds to your Everyday account, and when available, make the transfer from your Everyday Account to your linked bank account. See Account to Account Transfers for more information. Interest Payments Notice Accounts are tiered variable rate accounts - different interest rates apply to each balance tier in your account. Interest is calculated daily and accrues throughout the month. The total interest accrued during a month is paid into your account on the last day of the month. This is the same way interest is accrued and paid on most bank accounts. See How Interest is Calculated for more information. Where can I find current interest rates? Head to 'Accounts' in the Earnr App or online, select 'Earnr 30 Day' or 'Earnr 90 Day' and then select 'Details'. You'll be able to see each balance tier and the rate for each tier. Where can I see my interest earnings? Head to 'Accounts' in the Earnr App or online, select 'Earnr 30 Day' or 'Earnr 90 Day' and then select 'Details'. You'll be able to see: - Accrued interest, not yet paid - Year to date interest paid - Previous year interest paid - Lifetime interest paid Can I access my funds before the end of the notice period? You should only put funds into a Notice Account if you know you won't need them before the end of the notice period on the account. Early transfers or early withdrawals are generally not permitted. They may only be approved jointly under an exceptional circumstance where a member demonstrates financial hardship, and, the responsible entity determines this does not adversely effect any other member. In the rare event we approve an early withdrawal or early transfer based on a member demonstrating financial hardship, it will be subject to an early withdrawal fee of 1.925% of the withdrawal amount or $550, whichever is greater.

Earnr Term Accounts offer our highest rates, set for the term. You can choose from 6 or 12 month terms, with the choice of interest paid monthly, or paid at maturity. Each Earnr Term is separate with its own start and end date. Key attributes of each Earnr Term Start Date: The date the term starts Maturity Date: The date the term matures (this is 6 or 12 months from the start date depending on the term chosen) Notice Date: The date you need to make a transfer by, to receive your funds on the maturity date Interest Rate: The fixed rate for the term Interest Payment: Monthly or at maturity Opening a new term You can open a new term with a minimum of $5,000, and, you can open as many terms as you like. To start a new term you can either: - Make a transfer from your Everyday Account or Notice Accounts - see Account to account transfers for help. - Sending funds from an external account - see Adding Funds for help. What happens at maturity Any amount not transferred out of the term before the notice date, will automatically roll for a new, equal term on the maturity date. You'll receive a notification one week before the notice date, to remind you of upcoming maturities. Scheduling a transfer of funds out of your term at maturity You can schedule a transfer of funds at maturity to another Earnr account, and for any amount. To do this, you'll need to make a transfer before 5pm Sydney time on the Notice Date. If you make a transfer after 5pm Sydney time Notice Date, it will not be processed until the maturity date of your next term as any available balance will be automatically rolling for a new term. If you want to transfer funds to your linked bank account, you'll need to first transfer funds to your Everyday account, and when available, make the transfer from your Everyday Account to your linked bank account. See Account to Account Transfers for help on how to schedule a transfer. Interest Payments Term Accounts are designed to give you rate certainty. Each term has a single rate for the entire balance, and that rate is set for the entire term. Interest is calculated daily and accrues throughout each month. - If you've chosen to have your interest paid monthly - you'll receive it in your Earnr Everyday account at the end of the month. - If you've chosen to have your interest paid at maturity - you'll receive it in your Earnr Everyday account on the maturity date. See How Interest is Calculated for more information. Where can I find current interest rates? Head to 'Accounts' in the Earnr App or online, select '6 Month Term' or '12 Month Term', select the individual term, then select 'Details'. You'll be able to see the rate for the term. Where can I see my interest earnings? Head to 'Accounts' in the Earnr App or online, select '6 Month Term' or '12 Month Term', select the individual term, then select 'Details'. You'll be able to see: - Accrued interest, not yet paid - Year to date interest paid - Previous year interest paid - Lifetime interest paid Where can I see my term maturities? Earnr makes it easy to see the maturities across your term accounts. - Head to 'Accounts' in Earnr App or log into Earnr Online. - You'll see the total balance you have in Earnr 6 Month Terms and Earnr 12 Month Terms. - Select either term type, and the next screen will list each separate term, ordered by maturity date. If you want further detail such as the notice date for the term, the transactions under each term, or whether interest is paid monthly or at maturity, select the particular term and 'Details'. Can I access my funds earlier than the maturity date? You should only put funds into a Term if you know you won't need them before the maturity date, paying careful attention to the Notice Date that you need to make any outward transfers by. Early transfers or early withdrawals are generally not permitted. They may only be approved jointly under an exceptional circumstance where a member demonstrates financial hardship, and, the responsible entity determines this does not adversely effect any other member. In the rare event we approve an early withdrawal or early transfer based on a member demonstrating financial hardship, it will be subject to an early withdrawal fee of 1.925% of the withdrawal amount or $550, whichever is greater.

Earnr Everyday and Earnr Notice Accounts Interest is calculated daily according to the closing balance on the day, accrues throughout the month, and is paid on the last day of the month. Earnr Everyday and Earnr Notice Accounts are tiered rate accounts, meaning a different interest rate may apply for the balance you have within each tier. The accrued interest calculation for each balance portion on a day, is as follows: Closing balance portion for the day x (applicable tier interest rate / 365 days) = interest accrued on that day. The interest accrued on each balance portion is added up, to arrive at the total interest accrued on the day. Below is a worked example for the daily accrued interest on a Notice Account (rates are for calculation purposes, see the current rates): $800,000 Closing Balance in a 90 Day Notice Account Rate on first $250,000: 6.50% p.a Rate from $250,000 to $750,000: 6.30% p.a Rate above $750,000: 3.85% p.a Daily Interest Accrued is ($250,000 x 6.50% / 365) + ($500,000 x 6.30% / 365) + ($50,000 x 3.85% / 365) = $136.09 interest accrued on that day Earnr Terms Interest is calculated daily according to the closing balance on the day. For Terms with interest paid monthly - interest accrues daily throughout the month, is paid on the last day of the month, and automatically transferred to your Earnr Everyday Account. For Terms with interest paid at maturity - interest is accrued daily throughout the term, is paid on the maturity date, and is automatically transferred to your Earnr Everyday Account. Earnr Terms have one rate for the total balance, and that rate is locked for the whole term. The daily interest calculation for a term is as follows: Closing balance x (interest rate on the term / 365 days) = interest accrued on that day. Below is a worked example (the rate is for calculation purposes, see the current rates): $800,000 12 Month Term at 7.00% p.a Daily Interest Accrued = 800,000 x 7.00% / 365 = $153.42 interest accrued per day

We've invested significantly to help keep your account and funds safe, and to protect your data. We use a range of measures to do this, which include: Secure account sign up Unlike some account signup processes, Earnr's account signup is authenticated from the start and truly digital. If you don't finish your account application, you can only access it with your encrypted password, and not via a link which could be compromised or shared. We don't send account application forms over email as they risk exposing your data - any data you provide to us is done so inside your application and is encrypted when in transit to us. Multi layer verification We verify your identity during our account sign up, as well as any other individuals and beneficial interests who are a party to the account being opened with us, to help ensure we know who we are dealing with. Mobiles and emails of all individuals are also verified, to help ensure we know it's you when you call or email us, and to make sure we only send messages to verified contact details. Finally we verify your linked bank account to make sure it's in the same name as your Earnr account, and to make sure you have control of it. Multi-factor authentication We use multi-factor authentication (MFA) including passwords that meet our security rules, one time passwords (OTPs), biometric verification, and on device pin numbers, to authenticate you during account activity. To access your account online you'll need: - A password that matches our security rules - Access to the mobile phone you registered during signup to receive OTPs - A pin code and/or biometric security set up on your mobile device Advanced Fraud Detection Our systems record and detect unusual or suspicious activity. If unusual activity is detected, account access and account functionality may be blocked. Bank grade operational processes Our risk and operational staff have deep financial services experience gained in some of the world's most highly regulated and operationally complex banking environments. Earnr combines best in industry operational processes with our innovation and advanced technology to help keep you safe but still keep things moving as quickly as possible. How we protect your personal data Your personal information is managed and stored at the highest industry standards possible. We use bank-grade encryption when data is in transit and secure data storage practices to keep your information safe. All stored data is encrypted, access to data is strictly controlled, and used only for regulatory and operational purposes. Our data storage and infrastructure meet leading global security and compliance standards, including: - SOC 1/ISAE 3402, SOC 2, and SOC 3 (independent assurance of our controls) - FISMA, FedRAMP, and PCI DSS Level 1 (stringent U.S. federal and payment security requirements) - ISO 9001 (quality management) and ISO 27001 with 27017 & 27018 extensions (information security, cloud security, and protection of personal data in the cloud) For data in transit, we use SSL/TLS encryption (TLS 1.3) with 256-bit AES and RSA-2048 keys to ensure secure, end-to-end data transfer. How you can help keep your account secure While we've taken every measure possible to help keep your account secure, we ask you to be vigilant at all times. If you're not expecting a call or text from us, think twice. If you're unsure, call our Support Team back on the number on our website which is: 1300 332 062 For the most secure experience, we recommend using the Earnr Mobile App.

Earnr is licensed and regulated by the Australian Securities and Investments Commission (ASIC). This means we operate under detailed obligations around customer protection, transparency, and compliance. Because Earnr serves both retail and wholesale customers, we are held to some of the strictest financial services regulations in Australia. With much of our leadership team having backgrounds in risk management at Australia’s largest banks, we take a proactive approach to meeting and exceeding regulatory standards, and view strong oversight as fundamental to how we operate. Our regulatory obligations include the following requirements: Independent custodian All customer funds and assets must be held and controlled by an independent custodian. At Earnr, this role is fulfilled by Sandhurst Trustees, a subsidiary of Bendigo and Adelaide Bank. This ensures that customer money is kept separate from Earnr’s own operations and safeguarded on trust. Responsible Entity Earnr must also operate under a Responsible Entity (RE). The RE is legally responsible for overseeing Earnr, ensuring it is managed in line with the law and in the best interests of customers. To provide an additional layer of oversight, Earnr uses an independent Responsible Entity, one of Australia’s most experienced funds groups, with more than 20 years of operating history. Professional Indemnity (PI) Insurance Earnr is required to hold professional indemnity insurance to help protect customers in the unlikely event of errors, omissions, or breaches of duty. External Audits It is a regulatory requirement that Earnr is routinely externally audited. This ensures Earnr is continuously meeting its obligations and that customer assets are accurately reported and properly managed. External audits cover: - Customer positions and balances - Cash and financial records - Audit of our compliance plan - Operational checks across processes and controls Our overarching regulatory structure provides a multi-layered system of oversight and protection: - Your funds are held by an independent custodian - An independent Responsible Entity with more than 20 years of experience oversees operations - Regular external audits verify customer assets and compliance - Stringent operating and identification standards are in place across our institution

How does Earnr verify identities? Earnr uses secure digital identity verification to make onboarding smooth. To help ensure a fast and efficient verification, please make sure you enter the following details accurately: - Driver’s licence and card number, or passport number - Residential address (it should match the ID if applicable) - Date of birth Which identities need to be verified? We're required to verify the identity of each individual who is a party to the account. This includes individuals who have significant influence over the account and beneficial interests. Earnr's onboarding will guide you through exactly what you need for the account type you choose - but if you would like to know beforehand, please see how to open a new account. What if an identity cannot be verified automatically? In most cases, we will be able to verify identities automatically. However if we can't, we'll need to request additional documents to comply with our regulatory obligations, such as: - A photo of a driver's licence, or a passport - A photo of you or the relevant individual holding that ID - A copy of a utility bill or recent bank statement You can open an account by downloading the Earnr App or signing up to Earnr online. If you need any help you can contact us.

Earnr is a regulated institution, which means we are required to operate under strict standards of governance, disclosure, and data protection. We provide a set of key documents that outline how our products operate, how your information is handled, and the terms that apply when you use Earnr. These documents are provided to help you understand how Earnr works and the safeguards in place to protect you. We encourage you to read them carefully before opening an account. Our documents and terms are available on this website, and, they are also accessible when logging into Earnr Online or when opening the Earnr App. Below are our core terms and documents, with a short explanation of each: Privacy Policy Explains how we collect, use, store, and protect your personal information, in line with Australian privacy laws. Platform Terms Sets out the rules for using Earnr Online and the Earnr App, including your rights and responsibilities as a customer. Financial Services Guide (FSG) Provides information about Earnr’s financial services, our responsibilities, how we are paid, and how complaints are handled. Product Disclosure Statement (PDS) Outlines the details of the Earnr product, including risks, benefits, fees, and how it works - so you can make informed decisions. Target Market Determination (TMD) Describes who the Earnr product is designed for, and the circumstances in which it should (or should not) be offered.

We believe getting the most out of your money shouldn’t be fragmented or complicated. We've seen first hand, the amount of different banks and providers savers are having to deal with depending on whether it's for their personal, business or SMSF needs; or to access a bonus period or savings hoop. Earnr lets you bring everything together whether it’s individual accounts, joint accounts, SMSFs, trusts, or business accounts - and our accounts don't come with complicated hurdles or hoops to jump through. Can I use Earnr for multiple legal accounts? Yes you can - it's easy to open and manage accounts for multiple legal accounts in Earnr. Examples of this are: - You're an individual and want to open Earnr accounts for your SMSF or Trust, or your Business - You're an individual and want to open a Joint Account - You're an SMSF/Trust, or a business, and want to open an individual or joint account Managing all your accounts in one place Earnr makes it easy to optimise every dollar and manage multiple accounts from a single place. You can manage your money simply without needing to juggle separate platforms, logins, or banks. Everything sits within the same secure ecosystem, accessible via Earnr Online or the Earnr App. Each legal entity has its own set of Earnr accounts, while you maintain a clear top-down view of how your money is working across the board. Real optimisation, real visibility By unifying all accounts under one roof, you gain a clear, consolidated view of how your savings are performing. This makes it easy to: - Track returns across different entities - Move funds between accounts efficiently - Ensure every dollar is working for you How do I open another legal account? You'll need to log into Earnr Online to do this (the capability to do this in the Earnr App is coming soon). - Log into Earnr Online - Select 'Account Actions' - Select 'Open New Legal Account' - Select the relevant account type you wish to open and follow the instructions on screen If you need any help or have any questions please contact us.

What information is included in a Monthly Statement? Earnr's monthly statements provide information for each account held with us to help you manage and optimise your money. Here's a summary of the information our monthly statements provide, for each account: - Opening balance - Transactions (including interest paid by Earnr on the account) - Closing balance - Interest rate/s on the account - Accrued interest for the month (if applicable) You can also view balances, account transactions and interest rates, directly by logging into Earnr Online or via the Earnr App. How do I generate a Monthly Statement? You can generate a Monthly Statement in seconds through Earnr Online or the Earnr App. In Earnr Online: - Navigate to 'Account Actions' in the top menu - Select 'Statements' - Select 'Monthly Statements' - Select 'Download' In the Earnr App: - Navigate to 'More' in the bottom menu - Select 'Statements' - Select 'Monthly Statements' - Select 'Download' How do I generate a Monthly Statement for a specific legal account I have? Earnr statements apply per account holder. For example if you have accounts as an individual and also as a business, you can generate one statement for your individual accounts, and one statement for your business. In Earnr Online: Select the desired account holder in the top menu, and then follow steps 1 to 4 above. In the Earnr App: Follow steps 1 to 3 above, select the desired account holder from the top menu, then download per step 4.

Can I open a Joint Account with Earnr? Yes - Earnr supports Joint Accounts for up to 5 individuals. New customers - You can open a joint account in minutes by downloading the Earnr App or signing up to Earnr online. If you're an existing customer - Log into Earnr on your desktop or laptop - Head to Account Actions in top navigation bar - Select: Open a New Legal Account If you need any help opening an account you can contact us.

Opening an account with Earnr takes just a few minutes, in the Earnr App or online. How do I open an account? We recommend the Earnr App so you can keep up to date 24/7. - In the Earnr App: download it from the App Store (iPhone and iPad) or Google Play (Android). - Online: if you prefer to get started on your desktop or laptop, sign up to Earnr online. Who can open an account? Earnr provides Personal Accounts, Business Accounts, and SMSF & Trust Accounts. Personal Accounts - Individual Account - Joint Account (up to 5 individuals) Business Accounts - Company Account - Sole Trader Account - Partnership Account SMSF & Trust Accounts - SMSF Account (corporate or individual trustee) - Trust Account (corporate or individual trustee) What will I need? It depends on the account type. Learn more about what you'll need to open a personal account, a joint account, a business account or an SMSF or trust account. Can I save my application and come back later? Yes. Your account application is automatically saved as you progress. If you exit your application or remain inactive for a period, your application is saved and secure. You'll receive an email which will help you pick up where you left off, or start over with a new application type if required. If you need any help during the account opening process or with retrieving a saved application, contact us.

Our mission is simple: to help Australians optimise the return on every dollar, safely. Banks are skewed to benefit mortgage holders over savers, and boutique investment groups are reserved for large institutions and the ultra-wealthy. Earnr is here to help you whether you’re just starting out, or an experienced operator. Our mission is guided by the following principles: Safety first We take a conservative approach, with carefully managed institutional bank deposits and secured lending. Clear and transparent We show you exactly what your return is, how it’s generated, and what interest you're earning. Technology at the core We use modern technology to reduce costs and drive better returns, provide better security, and to put you in control of your money: real-time access, push notifications, and a simple experience through Earnr Online and the Earnr App.

You can open an Individual or Joint Account with Earnr in a few minutes. Here's what you'll need to open an Individual Account: - Your Australian driver licence or passport details - Your bank account details for withdrawals - Your TFN (you can provide it later if you don’t have it there) Here's what you'll need to open a Joint Account: - Details of Australian driver licence or passport for each individual - Joint linked bank account details for withdrawals - The TFN for each individual (you can provide these later if you don’t have them there) How to open - new customers - You can open an Individual or Joint Account in minutes by downloading the Earnr App or signing up to Earnr online. How to open - existing customers If you already have a Business or a SMSF or Trust account with Earnr - you can open an Individual or Joint Account by: - Log into Earnr on your desktop or laptop - Head to Account Actions in the top navigation bar - Select: Open a New Legal Account Get help If you need any help opening an account you can contact us.

What information is included in a Current Statement? Earnr provides a Current Statement which can be used for proof of balance or similar purposes. The statement shows balances held across each account type, as at, the date and time the statement is generated. You can also view account balances directly by logging into Earnr Online or via the Earnr App. How do I generate a Current Statement? You can generate a Current Statement in seconds through Earnr Online or the Earnr App. In Earnr Online: - Navigate to 'Account Actions' in the top menu - Select 'Statements' - Select 'Current Holding Statement' - Select 'Download' In the Earnr App: - Navigate to 'More' in the bottom menu - Select 'Statements' - Select 'Current Holding Statement' - Select 'Download' How do I generate a Current Statement for a specific legal account I have? Earnr statements apply per account holder. For example if you have accounts as an individual and also as a business, you can generate one statement for your individual accounts, and one statement for your business. In Earnr Online: Select the desired account holder in the top menu, and then follow steps 1 to 4 above. In the Earnr App: Follow steps 1 to 3 above, select the desired account holder from the top menu, then download per step 4.

What is suspicious activity? Common signs of suspicious behaviour include: - Emails or texts that claim to be from Earnr but look off or ask you for personal information - Changes to your account which you didn’t action yourself - Requests for your login details or passwords - Unexpected changes to your account profile or bank details - Unusual SMS or phone calls asking for verification or codes - Website URLs that do not match earnr.com.au Earnr will never ask you to confirm personal or banking information via email or text. How do I report suspicious activity? If you do spot anything unusual, it is best to contact us as soon as possible by: - Phone: 1300 332 062 - Email: support@earnr.com.au Any information you can provide will greatly assist our investigations into suspicious behaviour or phishing attempts – for example screenshots of the suspicious emails you’ve received.

Why have I been asked to supply additional information? Occasionally, we may need to ask for additional information as part of our Enhanced Customer Due Diligence Program or our Fraud and Security Monitoring Systems. These systems and programs safeguard our operations and platforms to help keep Earnr safe for our customers. Being asked for extra information doesn’t necessarily mean there’s a problem - it simply means either our automated systems or manual audit procedures have identified the need for more information in order to continue offering our services. You may be asked for additional information: - As part of your account opening - After your account has been opened - If you're an existing customer with funds The additional information may relate to: - Your source of wealth and funds (or of a beneficial owner) - The nature and patterns of your transactions - Information required to re-identify you You should be aware that if we are unable to gather the information required or if we are not satisfied with the quality of the information received, we may not be able to continue offering our services, and we may be required to return any funds you have standing with Earnr to your connected bank. If you are not happy with an outcome from us following a request for additional information, you're able to provide feedback under our dispute resolution procedures as outlined in our Financial Services Guide.

What is a custodian? A custodian is an independent institution that holds money and assets on trust for customers, keeping them separate from the assets of another institution. How does the custodian help keep my money safe? At Earnr, your assets don’t sit with us directly. They're held by Sandhurst Trustees, a subsidiary of Bendigo and Adelaide Bank. Their job is to: - Hold your funds safely in trust accounts and control all funds movements - Ensure separation from Earnr’s company operating accounts - Provide oversight to make sure your funds are managed in accordance with the PDS This structure adds an important layer of independent protection for our customers. In the event anything were to happen to Earnr or the responsible entity for Earnr, your investments with Earnr will not be lost as they are held on trust for you by the custodian. The independent custodian would take control of Earnr's assets, and act in the best interests of the members to manage or sell the assets and return funds to the members of Earnr.

Banks make it difficult to understand what your interest rate actually is. An advertised interest rate on an account might sound great, but what really matters is - what rate you're actually getting. Earnr makes it easy to see the actual interest rate you're getting on each account, and your average rate across all your accounts. Viewing the average rate on each account type This is really helpful when optimising your savings - as it allows you to easily compare the current average rate you're getting for each account type. Head to 'Accounts' in the Earnr App or log into Earnr Online. Here, you'll see how your money is split between the different account types, and, the current average interest rate in each account type. For example, the 30 Day Notice Account pays a different rate on the first $250k than the next $500k. If you had $300k in the notice account, the rate you'd see on this page is the actual weighted average rate for the full $300k. Viewing your average rate across all accounts In the summary area at top of the 'Accounts' page, next to your total balance, you'll see Average Rate. This is the weighted average return across all the accounts held by the account holder (which is shown at the very top of the page). If you have more than one legal account, you can toggle each legal account in the top menu to see the account types and all-in rates for each legal account. For example, you could switch between your individual and SMSF accounts. What does the average rate on the home page represent? When you open the Earnr App or log into Earnr Online - you'll land on the Earnr Home page. Here, along with the Total Balance across all the Earnr accounts you have access to, you'll find 'Average Rate'. This is the current weighted average interest rate across all the accounts you have access to. Using the example above, it's the combined current average rate for your individual and SMSF accounts. Learn more about how interest is calculated. Learn more about tracking how much interest you've earned.

You can open an SMSF or Trust Account with Earnr in minutes. What you'll need to open an SMSF Account - Details of the Australian driver licence or passport for each individual trustee, or each director if the trustee is a company - ABN for the SMSF, and if your SMSF has a company trustee, the ACN for the company trustee - SMSF bank account details for withdrawals - A copy of the SMSF Deed (you can provide it later if you don’t have it there) - TFN for the SMSF (you can provide it later if you don’t have it there) What you'll need to open a Trust Account - Details of the Australian driver licence or passport for each individual trustee, or each director if the trustee is a company - ABN for the Trust, and if your Trust has a company trustee, the ACN for the company trustee - Trust bank account details for withdrawals - A certified copy of the Trust Deed (you can provide it later if you don’t have it there) - TFN for the Trust (you can provide it later if you don’t have it there) How to open - new customers - You can open an SMSF or Trust Account in minutes by downloading the Earnr App or signing up to Earnr online. How to open - existing customers If you already have a Personal or Business Account with Earnr - you can open an SMSF or Trust Account by: - Log into Earnr on your desktop or laptop - Head to Account Actions in top navigation bar - Select: Open a New Legal Account Get help If you need any help opening an account you can contact us.

Control in your pocket The Earnr Mobile App is the best way to stay on top of your money 24/7. With push notifications, biometric login, and a modern interface, the Earnr App gives you full control over your savings wherever you are. It's like having a savings control centre in your pocket, and, it's also the most secure way to operate your Earnr accounts. With the Earnr App, you can: - Add funds quickly and securely - Make transfers in just a few taps - Action approvals instantly, wherever you are - Receive real-time push notifications so you never miss an update - Use biometric security (Face ID, Touch ID, or fingerprint) for fast and safe access - Enjoy a clean, simple interface designed to make managing savings easy Real time account updates Earnr gives you real time account updates to help keep you on top of your money. We use a range of communications to help keep you updated with your accounts including: - Emails - SMS messages - Messages in the Earnr App and Earnr Online - Push notifications in the Earnr App These updates cover things like: - When we’ve received funds from your bank - When account statements are ready - When a transfer requires approval - When a term is approaching its notice date - When we need further details from you The best way to stay updated is to make sure you have the Earnr App. To make sure you receive alerts instantly we recommend enabling push notifications on your device. Learn more about how to enable push notifications. If you don't have the Earnr App yet - download it here: - iOS (iPhone/iPad) - Android

Once your Earnr Application is approved - you'll have access to three powerful account types. These are: - Earnr Everyday Account - great starting rates and quick access to funds - Earnr Notice Accounts - higher rates across 30 Day and 90 Day notice account options - Earnr Term Accounts - our highest rates across 6 month and 12 month term options How Earnr account types work together Our rates are generally higher, and apply to larger amounts, the longer the term or notice on each account. Earnr allows you to seamlessly transfer funds between account types - this allows you to optimise your total return according to when you may need access to your funds. Remember to make sure you understand how each account type and notice period works - for more information, take a look at our support article for each account type, our product disclosure statement, or book a call with an Earnr Account Specialist.

Keeping track of your total earnings When you open the Earnr App or log into Earnr Online - you'll land on 'Home'. Here you'll see your total funds and current weighted average rate, across all the accounts you have access to. The home page also tracks interest earnings across all the accounts you have access to: Interest Accrued: - This is interest earned, that has not yet been paid (interest is paid on the last day of the month across most Earnr accounts) - It's updated daily so you'll see it increasing every day - so it's a great way to track the total daily earnings across your accounts YTD Interest: - This is the interest that has been paid into all the accounts you have access to, during the current financial year Lifetime Interest: - This is the interest that has been paid into all the accounts you have access to, since you joined Earnr Keeping track of earnings per legal account You may have multiple legal accounts, for example, you may have accounts as an individual as well for your business. To find out the interest accrued, year to date interest, or previous year's interest for a particular legal account: - Head to 'Account Actions' in Earnr Online, or 'More' in the Earnr App - Select 'Interest Summary' - Select the account holder / legal account at the top of the screen (if you only have one legal account it will be shown) Keeping track of earnings at the account level Earnr offers a variety of different accounts including the Everyday Account, 30 Day Notice Account, 90 Day Notice Account, 6 Month Terms and 12 Month Terms. The above explains how to view interest earnings data across all accounts you have access to, and across all accounts belonging to an account holder. To find out interest accrued, year to date interest, or previous year interest for a single account only: - Head to 'Accounts' in Earnr Online, or 'More' in the Earnr App - Select the account type from the summary, and for a term account type further select the specific term - Click 'Details' and you'll see the full interest earnings summary for the particular account or term Learn more about seeing the actual interest rate you're getting.

You can seamlessly make transfers between your Earnr Accounts in the Earnr App or by logging into Earnr online. In the Earnr App or online: - Go to 'Transfers' - Select 'New Transfer' - Select the From Account and the To Account - Enter the amount to transfer - Review the details and click confirm How long does a transfer between my Earnr Accounts take? - Transfers from your Everyday Account - are instant. - Transfers from your Notice Accounts - will be scheduled for 30 or 90 days depending on the notice account. - Transfers from your Term Accounts made before the notice date - will be scheduled on the maturity date (or the next maturity date if you make the transfer after notice date). Can I see my scheduled account to account transfers? Yes you can: - Go to 'Transfers' - Select 'Scheduled Transfers' Can I cancel a scheduled account to account transfer? Yes you can: - Go to 'Transfers' - Select 'Scheduled Transfers' - Select the scheduled transfer you wish to cancel, press the delete icon, then press confirm.

How do I update my personal details? - Open the Earnr App or log in to Earnr Online - In the Earnr App and head to 'More', then 'Profile', and in Earnr Online head to 'Profile' - Select the personal detail you want to update, and enter the OTP sent to you - Update your details and confirm Can I update my mobile phone number? Yes you can. For security purposes you'll need to contact us on 1300 332 062. Once you're successfully verified by an Earnr Support team member, we'll commence a secure process to update your mobile number. How do I update my account holder details? You can update account holder details such as a postal or physical address for a business, in the Earnr App or by logging into Earnr online. - In the Earnr App head to 'More' then 'Account Holder Detail' and in Earnr Online head to 'Account Actions and then 'Account Holder Detail' - Select the detail you want to update, and enter the OTP sent to you - Update the detail and confirm Can I update my linked bank account details? In order to maintain account security, you'll need to contact us on 1300 332 062. We'll require identity verification, and we may request copies of recent bank statements during this process to ensure your name, and account details match your account. Following this we'll commence a secure process to update your bank account details.

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 $1 of customer funds, there is currently $2.01 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.

Just like adding funds to your account, withdrawals are fast and secure thanks to Earnr’s technology and payments capability. How do I withdraw funds from Earnr to my linked bank account? Transfers to your linked bank account can only be made from the Earnr Everyday Account. If you're wanting to withdraw funds from a Notice Account or a Term Account - you'll first need to make a transfer from that account to your Everyday Account. Make sure you take any notice dates into consideration. Once the funds are in your Everyday Account you can then transfer them to your linked bank account. See Transferring funds between accounts if you need help. To transfer funds from your Everyday Account to your linked bank account: - Make sure you have a stable internet or mobile connection - Open the Earnr App or log into Earnr Online - Select Transfers - Select Everyday Account under 'From' and your linked bank account under 'To' - Enter the amount you wish to withdraw - Enter or complete any multi-factor authentication we require, and then confirm How long does a transfer from my Everyday Account take to arrive in my linked bank account? If you make transfer to your linked bank account before 2pm (Sydney time) on a business day, it will be processed on the same day. You'll generally see the funds that evening but depending on your bank they may not be visible until the following business day. If you make transfer after 2pm (Sydney time), it will be processed on the next business day. Will transfers to my linked bank account be processed on the weekend or a public holiday? No, they will be processed on the next business day. Can I schedule a transfer from my Everyday Account to my linked bank? Transfers from your Notice Accounts and Term Accounts will be scheduled in accordance with the notice period or next available maturity date for term accounts. Transfers from your Everyday Account can't be scheduled - please make your transfer request on the desired day. Can I cancel a transfer? You can cancel scheduled transfers from your Notice Accounts and Term Accounts - head to Transfers, then Scheduled Transfers and follow the prompts. Transfers from your Everyday Account can't be scheduled - so you can't cancel them, they happen on the day or next business day.

If you don't supply a valid TFN, we may be required to withhold part of your interest earnings. The amount withheld may differ depending on whether you are an Australian resident for tax purposes or an offshore resident. How do I get my withheld interest back? Interest earnings withheld by Earnr can be paid to you, if you supply a valid TFN. Interest withheld during the current financial year: - Interest withheld on any account or term will instantly be credited to your Earnr Everyday account - when you add a valid TFN in the Earnr App or by logging into Earnr online. - Here's how to add your TFN and get withheld interest instantly credited. Interest withheld for previous financial years: - We're unable to credit interest withheld in a previous financial year, as it will have been paid to the ATO in accordance with our regulatory obligations. - However you can claim interest withheld back from the ATO in your annual tax return (or for an earlier financial year by making an amendment to the return you submitted for that year). - To find out how much interest we've withheld in a previous financial year head to Interest Summary or Annual Tax Statements in the Earnr App or by logging into Earnr Online.