Earnr Support

What account statements does Earnr provide? The Earnr platform allows you to easily generate, view, and download statements related to your account. Earnr maintains a real-time database allowing you to generate statements as and when required to support your personal and business requirements. The different statement types Earnr can provide are: Current Holding Statement – a snapshot of your current balances with Earnr across different account types, as at the date and time the statement is generated.It’s important to note that this does not include interest accrued, which has not yet been paid into your account. Monthly Statements - an overview of activity across all your Earnr Accounts for each month. They include withdrawals, deposits and interest paid for each calendar month and can also be accessed on a historical basis. Annual Statements – an annual summary for each Australian tax year, including all deposits, withdrawals, and interest payments across your account types. These are specifically designed to support you and/or your accountant with completing your annual tax return. ‍How do I access my statements? Your account statements can be accessed by following the steps below:Log in to the Earnr app or OnlineGo to statements via more in the App, and account actions OnlineSelect the statement type you want to viewSelect downloadOpen the statement via your browser or device application. Earnr statements, view account statements, download Earnr statements, monthly statements, annual statement, current holdings, tax documents, EOFY report, tax return statement, generate statement Earnr, historical transactions, interest report, deposit record, statement for accountant, how to access statements, Earnr app statement, account summary, investment report Earnr

How does Earnr help keep my account secure? In order to access the Earnr platform, you will need to have the following:A secure passwordAccess to a working mobile phone number (in order to receive one-time passwords, "OTP")A pin code and/or biometric security set up on your mobile deviceWhat is an OTP? ‍Occasionally, Earnr will send a unique security code to your mobile (one-time password) when you are performing key accounts actions, to confirm it’s you using the platform. What if I can’t get mobile signal from my current location? If you’re having trouble receiving the code, this may be because you don’t have signal. The security of client accounts is our top priority, and in the instance where an OTP is required for account access or to confirm changes to your account, you will need to ensure you have mobile reception. Two-factor Authentication Two-factor authentication (2FA) is a security measure that requires two different verification methods, or factors, to access an account or system. This goes beyond just a password and adds an extra layer of protection. account security, secure login, protect my Earnr account, is Earnr secure, online safety, two-step login, two-factor authentication, multi-factor authentication, 2FA, OTP, one-time password, authentication code, SMS verification, biometric login, fingerprint security, face recognition, mobile authentication, app pin code, why does Earnr ask for a code, not receiving code, can’t log in, login problem, mobile code issue, code not arriving, verify my identity, secure my app, improve account safety

Our institutional holdings in major Australian bank deposits drive higher returns with excellent liquidity, while our portfolio of secured loans backed by Australian property enables us to generate additional yield whilst maintaining a low level of risk. Maintaining a low average loan valuation ratio gives us very strong security coverage against loans. Shorter average loan tenor means we are less exposed to property market volatility. Funding many small secured loans compared fewer larger loans adds less single loan exposure and more diversification.What is a loan to valuation ratio? The loan to valuation ratio (LTV) is a percentage that represents the amount of borrowing against an asset, compared to the asset's value. It’s a key metric to assess risk and determine loan terms. A lower LVR generally means less risk for the lender. For example, standard home loans see a borrower put up a 20% deposit, and borrow the remaining 80% against the value of a property. This would mean an LVR of 80%. At Earnr, our average LVR is currently 52%. What is the average loan tenor? The loan tenor is defined as the time left in a loan for it to be fully paid off. A longer average loan tenor generally indicates a higher risk profile for lenders due to increased exposure to different factors over time. The average length of a home loan in Australia is 25 years. At Earnr our average loan tenor is currently 11.3 months. What does loan diversification mean? Loan diversification operates on the principal of spreading any risk across multiple investments. For Earnr this means spreading our loans across different borrower types, industries, geographic regions and risk profiles.By lending to a variety of borrowers, a lender reduces the risk that a single economic effect will impact the entire portfolio’s performance. We focus on lots of small loans, across many different regions and areas, how Earnr generates returns, loan to valuation ratio, LVR explained, what is LTV, property-backed loans, secured lending, low risk investing, average LVR, Earnr LVR, loan tenor, what is loan tenor, average loan term, shorter loan duration, Earnr loan portfolio, diversification, diversified lending, how diversified is Earnr, loan diversification explained, small loan strategy, multiple borrower strategy, risk management in lending, bank deposits, secured loans, yield generation, low risk yield

Can I add an authorised representative to my account?Earnr allows you to add other users to your account who can execute actions on your behalf. For joint accounts, SMSFs or trusts this might be your accountant or another family member. For businesses or Corporate Accounts, this might be other Directors or employees within your company. ‍How do I add an authorised representative to my account?‍In order to set up an authorised representative for your Earnr account you will need to submit legal documentation to the Earnr team. Please email support@earnr.com.au or call us on 1300 332 062 and we'll walk you through next steps.‍ add authorised representative, account access Earnr, delegate access, account permissions, joint account access, add accountant to Earnr, SMSF account access, trust account users, add director to business account, manage access Earnr, shared access, authorised user Earnr, how to authorise someone, support contact for access, give account control, authorised representative process

What is Earnr’s mission? Earnr’s mission is to help our customers optimise their return on every dollar, safely.What is Earnr? Earnr is a non-bank savings platform built to help Australians access secured returns that have previously only been available to high net worth individuals, and corporates. What is Earnr’s story? After 20 years as leaders at Australia’s major banks, we founded Earnr as a purpose led institution in 2020. We have been delivering secured returns to clients since 2021.How does Earnr make money? Earnr charges a 0.2% management fee which is taken before the rates you see in the Earnr app and Earnr online. This means the rates you see are inclusive of all fees and charges.^See About Us for more. what is Earnr, Earnr mission, Earnr purpose, who started Earnr, Earnr background, Earnr founders, is Earnr a bank, non-bank platform, how Earnr works, Earnr business model, how does Earnr make money, Earnr management fee, platform fee, fees included in rate, trusted savings platform, purpose-driven finance, Earnr history, Earnr savings rates, who owns Earnr, secure returns Australia, high net worth alternative

Earnr Notice accounts reward you for planning ahead for 30 or 90 day periods.Low-risk Notice accounts invest in major Australian bank deposits and secured loans, and receive monthly interest payments. Our Notice accounts are easy to manage and can be topped up at any time. Once you’ve made an initial deposit (minimum $5,000) you can add or withdraw from as little as $0.01.Depending on which account you are using, you will be able to access your funds either 30 or 90 days after the withdrawal request is made. Earnr Notice account, 30 day notice, 90 day notice, how notice accounts work, notice account interest, monthly interest payments, access funds after notice, withdrawing from notice account, Earnr interest account, savings notice period, low-risk savings, add money to notice account, minimum deposit notice account, when can I access funds, Earnr investment options, planned withdrawals, secure savings account

‍Can I open more than one Earnr legal account type? Yes, you can open multiple different legal account types including for individuals, joint individuals, Self-Managed Superannuation Funds, Trusts, and businesses.How do I open a new legal account? Currently you can only open a new legal account using Earnr online, not via our app. In order to do this:Log into Earnr onlineSelect Account ActionsSelect Open New Legal AccountSelect the relevant account type you wish to open and follow the instructions on screen Depending on the type of account you wish to set up, you may be asked to provide additional details such as Trust Deeds or company documents. Moving between Earnr Accounts Once you have opened multiple Earnr Legal Accounts, you will see them appear both within the Earnr App and in Earnr Online at the top of the accounts page. ‍Simply click which legal account you wish to view to toggle between accounts. open another Earnr account, multiple accounts Earnr, Earnr legal account types, open account for SMSF, trust account Earnr, business account Earnr, open joint account Earnr, Earnr account setup, how to open new legal account, Earnr online instructions, Earnr app account options, switch between accounts, toggle legal accounts, where to upload trust deed, Earnr company account, multiple profiles in Earnr

At Earnr, we believe higher returns can be achieved without increased risk or volatility. Our team has managed and lent billions of dollars at Australia’s biggest banks. When you choose Earnr, you get the benefit of decades of experience, deep industry relationships, and direct access to wholesale treasury and credit markets.How does Earnr generate returns? Earnr generates returns through:Access to institutional deposit rates – Earnr has institutional access to the major Australian banks and gains higher returns on deposits. Superior return on secured loans – Earnr’s loan portfolio is hand-picked to generate a higher return compared to a standard bank home loan mortgage book, whilst being low risk.Detailed information about our investment approach can be found in the Earnr legal documents. how Earnr makes money, Earnr returns, Earnr investment strategy, secured returns, how Earnr invests, Earnr interest rates, high interest account, low risk investing, Earnr loan portfolio, wholesale deposit rates, Earnr yield generation, bank deposit alternatives, Earnr secured lending, where does Earnr invest, returns without risk, safe investments Australia

To transfer from an Earnr Notice or Term account into your Everyday account, you will need to ensure you are aware of the 30 or 90 day Notice period, and the maturity and notice date required of any Term. When you execute a transfer from these accounts they will be scheduled in advance, and available to view in the Scheduled Transfers screen. ‍You can view this screen in the app or online:Log into Earnr (via the Earnr app or Earnr online)Go to TransfersSelect Scheduled TransfersFrom here you will be able to view and amend scheduled transfers.If desired, funds transferred into Earnr Everyday can then be withdrawn into your linked bank account.Currently, you cannot schedule future withdrawals from Earnr to your external linked bank account and will need to request your desired withdrawal on the day. If you withdraw funds before 2pm (Sydney time) on a business day, the transaction will be processed on the same day. If the withdrawal request is received after 2pm (Sydney time), you will receive funds on the next business day. See Withdrawals for more. transfer funds, withdraw from Earnr, move money from term account, notice period withdrawal, transfer from notice account, scheduled transfers, maturity date, Earnr transfers, when can I withdraw, early withdrawal, how to move funds, access my money, Earnr app transfer, schedule a transfer, view transfers, transfer to bank, transfer to external account, how long do withdrawals take, same day withdrawal, withdrawal cutoff time, 2pm transfer deadline, transfer from everyday account, Earnr linked bank account

Earnr Terms are a low risk option for savers seeking our highest rates and not requiring funds for the length of the term. Funds are invested in a diversified pool of Australian major bank deposits and secured loans. Choose from 6 or 12 month terms, with the choice of interest paid monthly, or at maturity. Our term accounts are easy to set up and can be opened with a minimum balance of $5,000. You will need to tell us before the notice date if you do not wish your funds to rollover into a new term.‍When is the notice date? For 6 month terms, this is 2 months before the maturity date. For 12 month terms, this is 3 months before the maturity date.How do I view the notice date? You can view notice and maturity dates in the accounts section of the Earnr app and Earnr online. Log into the Earnr app or Eanr onlineGo to AccountsSelect From: 6mo or 12mo TermsSelect the account you wish to viewThe notice and maturity dates will be visible at the top of the screen. You can request a withdrawal before the notice date by following the steps below:Log into Earnr (app or online)Go to AccountsSelect From: 6mo or 12 mo termsSelect the account you want to closeSelect transferPlace a transfer for the correct amount from the term account to the Earnr WalletThe transfer will take place on the maturity date. Can I access my funds before the end of the term? You should only deposit funds that you know you won't need to access before the end of the term you choose.We have a duty to manage the best interests of all our members, as such, early withdrawals are generally not permitted. In the rare event we approve an early withdrawal 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. term deposit, Earnr term account, fixed term savings, 6 month term, 12 month term, term account maturity, interest at maturity, monthly interest, early withdrawal fee, can I access funds early, term investment notice date, term rollover, how to view maturity date, term withdrawal process, lock-in savings, fixed rate investment, notice period Earnr, how to close term early, Earnr maturity transfer, earn interest on term deposit

You can make transfers between Earnr products within the app or using Earnr Online. For transfers from the Earnr Everyday account, this will usually happen on the same day. For transfers from notice & term accounts, these will be scheduled for the maturity date of the original investment. Log into Earnr (app or online)Go to TransfersSelect New Transfer Select From: Everyday, 30 or 90 day Notice, 6 or 12 Mo TermSelect To: Everyday, 30 or 90 day Notice, 6 or 12 Mo Term Enter the amount and select confirm For Notice or Term accounts, transfers can be viewed in the scheduled transfers screen (transfers > Scheduled transfers) How long will it take to make transfers between my Earnr Accounts? From the Everyday account: Transfers made before 2pm will generally be actioned on the same day From other Earnr Accounts:Transfers made from other Earnr accounts will not occur until the maturity date on Terms or the end of the notice period for Notice Accounts. transfer between Earnr accounts, move funds internally, internal transfers, transfer from Everyday to Term, move money to Notice Account, schedule transfer, Earnr transfer time, how long do Earnr transfers take, when will my transfer happen, transfer at maturity, transfer from Term to Wallet, transfer from Notice to Everyday, Earnr app transfer steps, transfer instructions, transfer cut-off time, 2pm transfer deadline, same day transfer, transfer process Earnr

How do I update my personal details?To update your personal information:Log in to the Earnr app or Earnr onlineGo to Profile (in the app, this is via More)Update the relevant field and save changesIf you'd prefer, you can also contact us directly. We’ll confirm once the update is complete. How do I update my bank details? In order to maintain enhanced account security, you must get in touch with the Earnr team if you wish to amend or update your linked external bank account details. In order to start this process, contact Earnr on 1300 332 062 or operations@earnr.com.auPlease note – we will require identity verification and may request copies of recent bank statements during this process to ensure your name, and account details are correct. How do I update my TFN? If you don't have a legitimate tax file number applied to your account withholding tax may be applied, in order to release any withheld interest you will need to update your TFN.To update your Tax File Number:Log in to the Earnr app or Earnr onlineGo to Account Holder Detail (via Account Actions if you are in Earnr online, or in the app, via More)Update the relevant field and save changes If you'd prefer, you can also contact us directly. TFN’s shouldn’t be shared over email so this would need to be done over the phone – give us a call on 1300 332 062. update personal details, change address Earnr, edit phone number, update contact info, change email address, update bank account, change linked bank, amend TFN, update tax file number, withholding tax help, fix account information, Earnr contact details, how to update account, verify identity, change my details, update name on account, bank statement requirement

How do I view the terms and conditions and Earnr related legal documents? All legal documents related to Earnr and our products are available both online and within the App. To view within the Earnr app: Log inGo to More at the bottom bar Select LegalSelect the document you wish to view.If you wish to view via Earnr online, either select the legal document from the Legal section at the bottom of the page or follow the links below:‍Privacy Policy‍Platform Terms‍Financial Services Guide‍Earnr PDS‍Earnr TMD Earnr legal documents, where to find terms and conditions, view PDS, access Earnr TMD, platform terms Earnr, financial services guide, Earnr privacy policy, legal info Earnr app, app legal section, how to find legal documents, investor documents, Earnr policies, view legal docs online, compliance documents, product disclosure statement, trust documentation, legal terms Earnr, financial product guide