Best Personal Finance accounts for 2026
7 AU providers compared side by side — with a live cost calculator, independent scores, pros and cons, and a quick match finder.
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Business banking, compared
7 US providers · ranked live by real data · hands-on reviews
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Your cost · re-ranks live
Foreign spend / mo$500
ATM withdrawals / mo4
7 providers
Stockspot VerifiedEditor's pick
Australia's largest robo-advisor, with your own CHESS HIN
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on provider site
Own HIN — CHESS-sponsoredA$1/month up to $20,0005 sustainable portfolio options
Monthly fee
$0
no minimums
Signup bonus
—
FX fee
0%
no FX markup
Cost / yr
$0
re-ranks live
Individually CHESS-sponsored — ETFs held directly in your own name
Only A$1/month up to A$20,000, the cheapest full-portfolio robo entry
Largest, longest-running Australian robo-advisor with sustainable variants of all 5 strategies
A$1,000 minimum investment
Above A$20,000, fees rise to roughly 0.66% p.a.
0.0
Raiz Invest VerifiedBest for spare change
Australia's best-known spare-change investing app
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on provider site
Round-ups from A$5Investing + Super + Kids in one appNo brokerage or withdrawal fees
Monthly fee
$0
no minimums
Signup bonus
—
FX fee
0%
no FX markup
Cost / yr
$0
re-ranks live
Fully automated round-up and recurring-deposit investing from just A$5
Ecosystem of investing, super (Raiz Invest Super) and Raiz Kids
No brokerage, trading, switching or withdrawal fees, unlimited transactions
Flat monthly fee is expensive on small balances (A$66/yr ≈ 1.32% on A$5,000)
Custodial/pooled fund structure — no direct ownership of the underlying ETFs
4.7
Spaceship Voyager Verified
No-minimum micro-investing in themed growth portfolios
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on provider site
No minimum investment$0 fee under A$1005 themed portfolios
Monthly fee
$0
no minimums
Signup bonus
—
FX fee
0%
no FX markup
Cost / yr
$0
re-ranks live
No minimum investment at all, and $0/month while your balance stays under A$100
One flat A$3/month fee covers up to 5 portfolios
Growth-oriented themed portfolios (tech, positive-impact) with a clear per-portfolio fee scale
Only 5 fixed portfolios, no individual customisation
Custodial managed-fund structure — no CHESS/HIN ownership, plus a portfolio fee on top of the platform fee
4.4
CommSec Pocket VerifiedBest CHESS-sponsored starter
CHESS-sponsored micro-investing from the Commonwealth Bank
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on provider site
Own HIN — CHESS-sponsoredNo ongoing management fee$0 brokerage promo until 30 Oct 2026
Monthly fee
$0
no minimums
Signup bonus
—
FX fee
0%
no FX markup
Cost / yr
$0
re-ranks live
CHESS-sponsored with your own HIN — real ownership, backed by a big-four bank
No ongoing management fee at all, just A$2 per trade (currently $0 under a promo)
Seamless CommBank app integration from just A$50
Only 10 fixed themed ETFs, no diversified managed portfolio or rebalancing
No round-ups — A$2 brokerage is proportionally expensive on very small, frequent trades
0.0
Pearler Micro Verified
The cheapest flat-fee micro-investing app, with heavy automation
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on provider site
A$2/month flat, 2 months freeRound-ups, schedules & auto-rebalanceUpgrade path to CHESS-sponsored Pearler Shares
Monthly fee
$0
no minimums
Signup bonus
—
FX fee
0%
no FX markup
Cost / yr
$0
re-ranks live
Cheapest flat fee in the micro-investing segment (A$2/month, first 2 months free)
The most extensive automation suite: round-ups, scheduled deposits, auto-rebalancing, thresholds
Clear upgrade path to CHESS-sponsored Pearler Shares for long-term investors
Micro assets are fund units (custodial), not CHESS-sponsored like Pearler's main Shares product
Licensed via a chain of authorised representatives rather than its own AFSL
0.0
Sharesies Verified
Fractional shares across AU, US and NZ markets
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on provider site
ASX, US & NZX accessFractional shares, no minimumCapped transaction fees
Monthly fee
$0
no minimums
Signup bonus
—
FX fee
0%
no FX markup
Cost / yr
$0
re-ranks live
Access to three markets (ASX, US, NZX) with fractional shares and no minimum balance
Predictable costs via monthly plans that include auto-invest and round-ups
Transaction fees capped at A$6 per AU order
1.9% pay-as-you-go transaction fee makes very small orders proportionally expensive
Custodial model — shares held via a pooled nominee (Sharesies Australia Nominee), not an individual CHESS HIN
0.0
InvestSMART Verified
A managed ETF portfolio with fees capped at A$880/year
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on provider site
Fee capped at A$880/yearCHESS-sponsored, transferable holdingsNo performance fees
Monthly fee
$0
no minimums
Signup bonus
—
FX fee
0%
no FX markup
Cost / yr
$0
re-ranks live
Unique fee cap — never more than A$880/year regardless of balance size
CHESS-sponsored brokerage account with holdings you can transfer, not a pooled fund
No performance fees, and buy-side brokerage is included in the fee
A$10,000 minimum — no micro-investing entry point
0.44% p.a. is not cheaper than flat-fee apps at smaller balances, plus sell-side brokerage
0.0