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Raiz Invest review

Updated September 30, 2026 · SumCue Editorial Team · Facts checked September 30, 2026

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Our verdict

Raiz Invest suits beginners who want tiny automatic contributions put into ready made portfolios across mobile and web, with support over email, phone and help centre. Its managed portfolios carry a management fee of 0.275% and start at a minimum investment of AUD 5 for savers in Australia.

Key facts

Best for
Starters building tiny regular investments into managed portfolios
Management fee
0.275%↗
Minimum investment
A$5↗
Regulators
Australian Securities and Investments Commission↗
Portfolio types
ETF, ESG, Crypto↗
Legal entity
Raiz Invest Australia↗
Headquarters
Australia↗
Founded
2016↗
Support channels
Email, Phone, Help-centre↗
Official website
raizinvest.com.au

Money apps

Price from
A$2.50↗
Free plan
No↗
Platforms
iOS, Android, Web↗
Tool type
Budgeting↗

Facts checked September 30, 2026, 6 sources

Apps and profiles

Elsewhere
LinkedInXfacebook.com

Pros and cons

Pros

  • Minimum investment of AUD 5 keeps spare change and small recurring sums workable for new savers.
  • Management fee of 0.275% stays near peer levels and below Merrill Edge at 0.45% to 0.85%.
  • Support across email, phone and help centre gives email, phone and help centre options in Australia.
  • Access across iOS, Android and Web suits mobile led habits with web review through budgeting features.

Cons

  • Free plan is no, so access starts at paid terms of AUD 2.50 rather than a no cost entry.
  • Management fee of 0.275% sits above Betterment at 0.25%, which can matter as balances grow.
  • Regulatory cover names Australian Securities and Investments Commission alone, while Interactive Brokers names Securities and Exchange Commission (SEC), Commodity Futures Trading Commission (CFTC) and Financial Conduct Authority (FCA) across many markets.

Ready to try Raiz Invest?

Scored 9.0 / 10 by SumCue.

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Who it suits

  • Spare change savers who prefer Raiz Invest over Betterment for very low entry at AUD 5.
  • Mobile led beginners who prefer Raiz Invest over Merrill Edge for simple managed baskets at 0.275%.

Who should look elsewhere

  • Hands off savers wanting a lower percentage drag may prefer Betterment given its management fee of 0.25%.
  • Investors seeking very broad multi market brokerage coverage may prefer Interactive Brokers given its regulator list of Securities and Exchange Commission (SEC), Commodity Futures Trading Commission (CFTC) and Financial Conduct Authority (FCA).

Where it sits among rivals

Your main trade off is cost against ease of starting, and Raiz Invest leans toward ease with measurable context. On management fees it holds rank 19 among 44 rated peers, which places it within the middle group rather than among the cheapest percentage based offers. On entry size it holds rank 23 among 79 rated peers, which signals accessible starting terms for households that add small amounts often. Taken together, those positions describe an account shaped for habit building: ongoing percentage costs deserve attention as balances rise, while the low starting point reduces friction for people testing regular investing. Readers comparing nearby robo advisers should weigh that balance against their expected balance path, contribution pattern and wish for guided portfolios versus broader brokerage choice.

Fees and currency costs

Costs centre on a management fee of 0.275% for managed portfolios, which pays for allocation, monitoring and periodic rebalancing rather than per trade dealing. That structure keeps charges predictable across the year and easy to compare with other percentage based robo advisers. Entry is set at a minimum investment of AUD 5, which allows spare change round ups and modest recurring transfers to reach markets without waiting to build a larger lump sum. For households adding little and often, the minimum matters more at the start, while the annual percentage matters more as balances compound. Check how the fee interacts with your planned contributions, expected balance growth and any underlying fund costs disclosed in portfolio documents before committing.

Safety of your money

Safety rests on formal authorisation rather than on promises about returns, and the named framework is clear. Oversight comes from Australian Securities and Investments Commission, the authority cited for conduct and licensing duties in Australia. The related permission is licence 434776, which identifies the regulated permission behind the service. That means published disclosure documents, defined handling of client assets and set routes for queries or complaints. Market risk still applies, since portfolio values can fall as well as rise, and any compensation or protection outcome will follow the terms of the stated scheme. Keep records of your account type, statements and correspondence, and read the disclosure material alongside the fee schedule.

Who runs it

The service is provided by Raiz Invest Australia, the operating entity named in account terms and disclosures. Its home base is in Australia, which aligns with the cited Australian licensing and support setup. The business traces its founding to 2016, giving a track record across several market cycles in micro investing and managed portfolios. Day to day help runs through email, phone and help centre, so you can write in, call for direct help or use self serve guides for routine questions. The regulatory link remains licence 434776, which ties the operator, location and permission together. That mix of defined entity, local oversight and varied contact routes helps households know who holds the account relationship and where to turn.

How Raiz Invest compares

Where Raiz Invest is available

Available
Australia
Licence in Australia
Australian Securities and Investments Commission (434776), checked September 30, 2026

Countries from the brand (Source, checked September 30, 2026)

Frequently asked questions

What does Raiz Invest charge for managed portfolios+

Raiz Invest applies a management fee of 0.275% on managed portfolios, covering ongoing oversight and rebalancing inside your account. Entry pricing sits at AUD 2.50, so very small balances can remain invested while costs stay linked to published account terms.

How much do I need to start investing+

You can begin with a minimum investment of AUD 5, which suits spare change saving and small recurring transfers. That low threshold helps households test automatic investing habits before committing larger sums, with asset exposure set through diversified portfolio options.

Who regulates Raiz Invest and is my money supervised+

Raiz Invest names Australian Securities and Investments Commission as regulator and holds licence 434776 in Australia. That structure means formal oversight, published disclosures and defined complaints paths, though market risk remains and protection limits depend on stated scheme terms.

How can I access my account on phone and web+

Access runs across iOS, Android and Web, giving app based tracking plus browser access for review at home. That mix suits people who check balances on mobile during the day and prefer larger screens for settings, documents and longer planning sessions.

What kinds of portfolios can I choose+

Portfolio choice covers ETF, ESG and crypto, allowing broad market exposure alongside values aligned and digital asset themes. Each basket spreads risk across underlying holdings, while risk level, asset mix and suitability remain driven by your selected profile and time horizon.

How do I get help if something goes wrong+

Help is available through email, phone and help centre, covering written queries, direct calls and self serve guides. That range suits beginners who want quick answers online but also value spoken help for account, payment or portfolio questions during key moments.

Sources

Compiled from 6 source pages, checked September 30, 2026. We did not open an account.

Not confirmed yet: Investor protection.

Raiz Invest

Starters building tiny regular investments into managed portfolios

9.0/10See alternatives