Raiz Invest review

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

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Our verdict

Raiz Invest suits savers seeking automated entry into portfolios spanning ETF, ESG and crypto with guidance across listed channels as balances grow. Its management fee of 0.275% alongside a minimum investment of AUD 5 keeps regular contributions accessible while oversight from Australian Securities and Investments Commission applies.

Key facts

Best for
Savers starting small and adding regularly within ETF led portfolios
Management fee
0.275% (Source, checked September 30, 2026)
Minimum investment
A$5 (Source, checked September 30, 2026)
Regulators
Australian Securities and Investments Commission (Source, checked September 30, 2026)
Portfolio types
ETF, ESG, Crypto (Source, checked September 30, 2026)
Legal entity
Raiz Invest Australia (Source, checked September 30, 2026)
Headquarters
Australia (Source, checked September 30, 2026)
Founded
2016 (Source, checked September 30, 2026)
Support channels
Email, Phone, Help-centre (Source, checked September 30, 2026)
Official website
raizinvest.com.au

Apps and profiles

Elsewhere
LinkedInXfacebook.com

Pros and cons

Pros

  • Minimum investment of AUD 5 supports steady contributions from modest balances
  • Management fee of 0.275% compares constructively with category levels at 0.38%
  • Portfolio scope spans ETF, ESG and crypto, pairing ETF cores with ESG and crypto linked options
  • Support across email, phone and help centre provides email, phone and help centre contact routes

Cons

  • Management fee of 0.275% exceeds Betterment pricing at 0.25%, which adds drag as balances scale
  • Support runs on email, phone and help centre only, without live chat for urgent queries during market hours
Raiz Invest

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Scored 9.1 / 10 by BrokerCue.

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Who it suits

  • New investors choosing Raiz Invest over Ally Invest for ETF led automation with ESG and crypto linked variety via ETF, ESG and crypto
  • Habit builders choosing Raiz Invest over Betterment for low entry at AUD 5 that supports frequent contributions
  • Support led savers choosing Raiz Invest over Merrill Edge for phone contact within email, phone and help centre alongside help centre guides

Who should look elsewhere

  • Traders seeking active share dealing rather than automated portfolios may prefer Merrill Edge for broader brokerage depth
  • Fee minimisers comparing headline rates may prefer Betterment given its management fee of 0.25% versus 0.275%

What trading costs

Your main recurring charge is a management fee of 0.275%, which applies to assets held within the automated portfolios and covers ongoing allocation, rebalancing and account administration. As balances increase, the monetary amount implied by that rate rises in line with assets, so you should review statements and consider how compounding interacts with returns across extended periods. Entry is set at a minimum investment of AUD 5, which allows you to begin with a modest balance and add funds on a rhythm that matches pay cycles or spending patterns. That structure favours habits built around consistency, whether you contribute regularly or direct spare cash toward long term goals, while keeping attention on diversification and time horizon rather than timing single market moves.

Safety and regulation

Client money arrangements fall under oversight from Australian Securities and Investments Commission, the authority named for this service, which imposes standards around licensing, conduct and disclosure for firms offering financial products. The recorded licence is 434776, which identifies the permission under which regulated activity is conducted and provides a reference you can check against public registers. Authorisation provides a framework for accountability, including expectations around handling of assets, clarity of documents and fair treatment, yet it does not eliminate investment risk or guarantee performance. You should read disclosure material with care, confirm how assets are held, and weigh risk tolerance, objectives and horizon before allocating funds toward market linked portfolios.

Where it sits among rivals

On management fee, the service sits at 16 among 37 brands assessed, which places it away from the cheapest headline rates while remaining within the mainstream range for automated portfolio services. On minimum investment, it sits at 16 among 63 brands assessed, signalling entry that is designed to accommodate modest starting balances and incremental funding. Taken together, the picture is one of accessible onboarding paired with a recurring fee that deserves direct comparison against peers, particularly where you intend to hold growing balances over extended periods. Readers who prioritise low entry friction may view the balance as attractive, while strict fee minimisers may wish to contrast neighbouring options before deciding.

Who runs it

The service is provided by Raiz Invest Australia, identified as Raiz Invest Australia, with its home base in AU and origins dating to 2016. That background places it within the Australian automated investing market, where micro investing and recurring contributions have shaped product design around habit formation and portfolio automation. Day to day assistance is offered through email, phone and help centre, giving you written, voice and self serve routes to resolve queries around contributions, portfolio settings, documents and account maintenance. The licence recorded for regulated activity is 434776, which connects the operating entity to its permission framework and helps you verify standing through official channels when carrying out routine due diligence.

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 automated investing?+

You pay a management fee of 0.275% on assets under advice, which covers portfolio construction, rebalancing and administration. The fee accrues over time, so larger balances carry higher monetary charges while the rate itself remains as stated.

How much is needed to open and start investing?+

You can start with a minimum investment of AUD 5, which supports frequent top ups from pay or spare cash. Small balances remain exposed to market moves, so regular contributions tend to matter alongside returns over extended horizons.

Is Raiz Invest regulated and safe to use?+

Raiz Invest Australia operates under oversight from Australian Securities and Investments Commission, which sets conduct and disclosure expectations for licensed firms. Authorisation alone does not remove market risk, so you should assess suitability, diversification and time horizon before committing funds.

Which portfolio styles are available?+

Choice spans ETF, ESG and crypto, combining broad ETF exposure with ESG screened options and crypto linked allocations. The mix lets you align risk appetite and values, although volatile assets can move sharply and alter portfolio weightings between rebalances.

How can account holders get help with an account?+

Help is available through email, phone and help centre, covering written queries, voice support and self serve guides for account and portfolio questions. Response times vary by route and workload, so the help centre often resolves routine issues around contributions, settings and documents.

Who operates Raiz Invest?+

The operator is Raiz Invest Australia, identified as Raiz Invest Australia with a base in Australia. It has operated since 2016 as an automated investing service, with licence 434776 recorded for its regulated activity.

How does Raiz Invest compare with rivals on fee and entry?+

Raiz Invest sits at 16 among 37 brands on management fee, while entry sits at 16 among 63 brands. The picture points to accessible entry with a fee that rewards comparison against peers.

Sources

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

Not confirmed yet: Investor protection.

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