Built for Savers
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Purpose built for savers

Operated by leading bankers, Earnr gives you access to wholesale returns.
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Earn up to [R.0]% p.a^ now - because every dollar counts.
Download the Earnr app to gain visibility on your investment and track your returns. Now in the Apple App Store and Android Play Store.
Key business relationships
ANZ Bank a Earnr key partner.Sandhurst Trustees an Earnr key partner.Equifax a Earnr key partner.Australian Payments Network a Earnr key partner.Bendigo Bank a Earnr key partner.
Open an account in minutes.
GET STARTED
Download the Earnr app from the Apple App store and start saving.Download the Earnr app from Google Play and start saving.

Because it's 2023.

Sign up in 2 minutes.

Individuals. Joint. Businesses. SMSFS. Take control of your money.

Your money in one place.

Connect your banks, superannuation, and investments to Earnr.

Put earnr to work.

See your returns and identify underperforming capital.

Invest like high net-worths do.

Access higher earning fixed income products not easily obtainable by most Australians.

Wholesale returns for everyone

Access secured returns traditionally only available to ultra high net-worths and large wholesale groups.

If you're saving for a home, or a business or SMSF wanting to make your money work harder - we've got you covered. Start earning in minutes online or by downloading the Earnr App. Remember to review the TMD and PDS to make sure Earnr is right for you.
Access secured returns traditionally only available to ultra high net-worths and large wholesale groups.
Account types

Individuals. Joint accounts. Businesses. SMSFs. Trusts.

Flexible Terms

Choose from 3, 6 and 12 month terms and get started from $5,000.

Monthly interest

Interest is paid to your linked bank account monthly.

No Hidden Fees

No entry fees, or account fees. The rates you see are net of fees.

Our rates

Interest paid Monthly
Interest at Maturity
3 Month Term
[R]% p.a
[R]% p.a
6 Month Term
[R]% p.a
[R]% p.a
12 Month Term
[R]% p.a
[R]% p.a
Minimum Amount $5000

See FAQ For Notice to withdraw

See our PDS and FAQ for more information on our terms. Please note Earnr is not a bank deposit. Past performance is not a reliable indicator of future performance and distribution payments are not guaranteed.

Decades of institutional experience

Earnr has been purpose built for savers by former ANZ Bank Leaders. Our team has managed billions of dollars in customer funds and loans at the big banks for over 25 years.

We’re able to achieve higher returns due to market gaps left by the banks who are focused on providing long term, low return home loans. We focus on higher returning shorter term mortgages enabling us to carefully manage risk and pay higher returns to our members.
Earnr has been purpose built for savers by former ANZ Bank Leaders. Our team has managed billions of dollars in customer funds and loans at the big banks for over 25 years.
Regulated by ASIC

Earnr is regulated by ASIC. We're independently audited, and our assets are held on trust for you with Sandhurst - a subsidiary of Bendigo & Adelaide Bank.

Backed by Cash & Property

Earnr generates returns from cash and mortgages. All mortgages are secured by Australian property, and all cash is held with Australian Banks.

[[SeCo]]x Security Coverage

The total value of cash and secured property is currently [[SeCo]]x member funds. We publish this ratio monthly as our beneficial Security Coverage Ratio.

Track Record

Earnr was founded in 2020 and has been providing returns for our members since 2021.

Open an account online in minutes.

Individuals. Joint Accounts. Businesses. SMSFs.

OPEN ACCOUNT

Or download the Earnr App.

Manage your money 24/7 with the Earnr App.

Download the Earnr app from Google Play and start saving.Download the Earnr app from the Apple App store and start saving.
Key business relationships
ANZ Bank a Earnr key partner.Sandhurst Trustees an Earnr key partner.Equifax a Earnr key partner.Australian Payments Network a Earnr key partner.Bendigo Bank a Earnr key partner.

Frequently asked questions

Are there any fees?
earnr frequency asked questions
What notice do I need to provide to withdraw my money?
earnr frequency asked questions
What account types are available?
earnr frequency asked questions
Can I open more than one Earnr account type?
earnr frequency asked questions
Can I access my funds before the end of the term?
earnr frequency asked questions
How does Earnr generate higher returns?
earnr frequency asked questions
How does Earnr keep my money safe?
earnr frequency asked questions