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- WeMoney: Pay off debt faster Vs. Raiz | Earn, Save & Invest
WeMoney: Pay off debt faster vs Raiz | Earn, Save & Invest Usage & Stats
Join WeMoney for free – Australia’s smart personal finance app, helping you track all of your money and pay down debt faster. See all of your financial accounts in one place, monitor your credit score and discover ways to pay down your debt faster with better products. Plus, get support from a growing financial community in WeMoney – for free.
FEATURES
- Connect all your financial accounts to get a complete 360-degree view of your money
- Free monthly updates to your credit scores (Equifax and Experian) and improve your credit health so you can unlock opportunities to improve your financial wellness.
- Pay down your debt faster with personalised savings opportunities to help you get a better deal.
- Join the conversation with Australia's most passionate financial community to help one another become debt-free, save for a holiday, own a house, plus more.
- Try for free or upgrade to WeMoney Pro and get daily credit file monitoring to protect against fraud, unlimited custom categories and a desktop version (plus more)!
AS SEEN ON
Australian Financial Review, Fortune, Channel 9 News, Channel 7 News, news.com.au, Daily Mail Australia, Yahoo Finance, Smart Company, The West Australian, The Today Show, Savings.com.au, and Student Edge.
WHAT'S MORE?
- See all your accounts in one place
- Set monthly budgets & money goals
- Track your payday
- Know your net worth
- Get insights into your spending & saving habits
- Check your credit score for free, forever
- Automatically categorise transactions
- Track your bills, any wasteful subscriptions & recurring payments
- Get notifications of daily spending
- Refer a friend to help the planet
- Save money with our panel of leading lenders
- Help continuously to improve financial performance & usability
- More features coming soon!
SAFE & SECURE
WeMoney uses the latest in bank-grade security features and has also partnered with Yodlee, a global leader in the banking sector trusted by over 27 million users worldwide, to keep your data safe, including encryption 2048bit SSL. WeMoney does not store your banking credentials and only uses read-only access when it accesses your financial data. WeMoney doesn't sell your data to third parties. Plus, you can secure your account with Fingerprint, FaceID, and PIN logins.
AWARD WINNING
- 'Best PFM/Savings Account' - Australian Fintech 2022
- 'Best PFM/Savings Account' - Australian Fintech 2021
- 'Emerging Fintech - Peoples Choice' - Finnies 2021
- Best Fintech App/Website' - Australian Fintech 2024
Any information provided by WeMoney is general in nature and was prepared for information purposes only. Accordingly, reliance should not be placed on any of WeMoney’s resources as the basis for making an investment, financial or other decision and therefore, should not be considered to constitute financial advice. WeMoney Pty Ltd ABN 88 633 007 860
Privacy Policy https://www.wemoney.com.au/privacypolicy
Terms of Use https://www.wemoney.com.au/terms-of-use
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Grow your wealth with Raiz. Join over 330,000 Aussies saving, investing and reaching their life goals with Raiz.
Featured in Forbes, WIRED, Bloomberg BusinessWeek, Business Insider, CNBC, Channel 9 News, Channel 7.
MULTIPLY YOUR SAVINGS
Get started in minutes. From $5, invest automatically through round-ups or regular contributions and grow your wealth over time.
MICRO-INVESTING, FULL FLEXIBILITY
Raiz makes it easy to start investing, whether you have $5 or $5 million.
• Round-Ups: With every purchase, we round up the spare change and invest it automatically, enabling you to build wealth in the background.
• One-off or Recurring Investments: Choose daily, weekly, fortnightly or monthly automatic deposits.
• Invest, withdraw, or switch portfolios whenever you like.
INVEST SIMPLY, GROW STEADILY
• Diversify and thrive: Keep it simple and pick from 8 ready-made portfolios, or go hands-on with Raiz Plus, building a custom portfolio with a mix of ETFs, ASX stocks, property, and crypto.
With automatic rebalancing, Raiz helps keep your portfolio aligned to its set target asset allocation. When market movements, deposits or withdrawals cause your portfolio to drift from its targets, Raiz automatically adjusts it back in line.
• Set targets with Jars: Save and invest for what matters, from travel dreams to a home deposit.
• See the bigger picture with My Finance: Get a real-time picture of your finances. Track your spending, monitor your income, and understand where your money goes, so you can make smarter decisions.
REWARDS AND CASHBACK
Earn while you save and invest. Shop with hundreds of brands like Expedia, THE ICONIC, and Woolworths through Raiz Rewards, and get cashback invested directly into your Raiz account.
Turn your everyday shopping and travel bookings into cashback that's automatically invested, helping you grow your portfolio. Complete in-app surveys and offers to earn even more.
YOUR FUTURE, AT THE PALM OF YOUR HAND
• Raiz Kids: Create investment accounts for children under 18 with permissions you control. Build good habits early and invest for their future.
• Decide where your Super is invested. Use Raiz Invest Super and select a portfolio from the Raiz investment options you know.
A TRACK RECORD YOU CAN TRUST
Raiz is a publicly listed Australian company (ASX: RZI), trusted by 1.7 million Aussies who signed up to the Raiz app.
“[Raiz has] a wealth-building process made effortless, one tap at a time.” - Sydney Morning Herald, October 2025.
TRANSPARENT FEES
• Unlimited transactions with zero brokerage fees.
• Monthly and/or percentage-based fees depending on your plan.
• No fees when your total balance is below $1.
QUESTIONS?
Contact us at support@raizinvest.com.au or on 1300 754 748 and we’ll get right back to you.
This app is issued in Australia by Instreet Investment Limited (ACN 128 813 106 AFSL 434776) (Instreet) as Responsible Entity of the Raiz Invest Australia Fund (ARSN 607 533 022). Raiz Invest Australia Limited (Raiz) (ABN 26 604 402 815) (Corporate Authorised Representative of Instreet) is the Promoter and Administrator of the Raiz Invest Australia Fund (ARSN 607 533 022).
The information has been prepared without taking into account your objectives, financial situation or needs. Before acting on such information, you should conduct your own review or consult a financial advisor before making a decision to invest. Read the PDS and any associated reference documents before making an investment decision. In accordance with the DDOs, we maintain TMDs for our Funds. All documents can be found on www.raizinvest.com.au, or calling Customer Support on 1300 754 748. "RAIZ" is a registered trademark of Raiz Invest Australia Limited. Address: 9/2 Bulletin Pl, Sydney NSW 2000.
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January 14, 2026