Micro-investing, made simple

Invest your spare change, grow your future

Raiz rounds up your everyday purchases and invests the change into smart, diversified portfolios — automatically. Start with as little as Rp 10,000.

★★★★★ Loved by 250,000+ Indonesian investors
Round-up savedRp 3.250
This year+12.4%
Hi Andi, your balance
Rp 8.420.500
▲ +2,8% today
Round-ups
12 this week
+Rp 41.200
Recurring
Every Monday
+Rp 50.000
Bank-grade security
Part of Raiz Invest (ASX: RZI)
Registered & regulated
Invest in minutes
How it works

Three simple ways to grow

Set it up once and let Raiz do the heavy lifting. Your money works quietly in the background.

01

Round-ups

Every time you spend, Raiz rounds the purchase up to the nearest Rupiah and invests the difference. Your spare change adds up fast.

02

Recurring investments

Schedule daily, weekly or monthly deposits from as little as Rp 10,000. Consistent habits build lasting wealth.

03

Smart portfolios

Choose a diversified portfolio matched to your goals — from conservative to aggressive. Our robo-advisor keeps it balanced.

Features

Everything you need to invest with confidence

A friendly app packed with powerful tools — designed for first-timers and seasoned investors alike.

Mobile-first app

Open an account, fund and track your portfolio entirely from your phone in minutes.

Live performance

Watch your investments grow with clear charts and real-time balance updates.

Set goals

Create savings goals — a holiday, a home, an emergency fund — and track your progress.

Secure & protected

256-bit encryption, biometric login and segregated custody keep your money safe.

Withdraw anytime

No lock-ins. Access your money whenever you need it, with fast withdrawals.

Learn as you go

Bite-sized lessons and tips help you build financial confidence, one step at a time.

Platform

One platform for the whole investing journey

From onboarding to settlement and analytics, Raiz runs every part of the micro-investing experience — built for growth, resilience, and partner integration.

Digital Onboarding & KYC

Fast, fully digital sign-up with identity verification built in.

Customer Accounts

Secure customer accounts and profiles at the heart of the platform.

Deposits & Round-ups

Flexible deposits plus automatic round-ups from everyday spending.

Portfolio Allocation

Diversified portfolio allocation matched to each investor's goals.

Investment Orders

Reliable placement and handling of investment orders.

Holdings

A clear, real-time view of every holding in the portfolio.

Transactions

A complete, transparent record of all investment transactions.

Payment & Settlement

Smooth payment processing and timely settlement.

Rewards

Rewards that encourage healthy, consistent investing habits.

Customer Service

Responsive, multi-channel support for every investor.

Reconciliation

Strong reconciliation controls that keep records accurate.

Analytics

Unified analytics across customers, portfolios, and operations.

AI-Powered Services

Smarter investing, powered by AI

We apply AI across investor support and education, onboarding and KYC, portfolio and transaction insights, fraud and compliance, knowledge retrieval, and operations — on a scalable, governable platform integrated with our application and data services.

Investor Support & Education

An AI assistant answers investor questions and shares bite-sized education, anytime.

Onboarding & KYC Assistance

AI streamlines digital onboarding and KYC, guiding new investors through verification smoothly.

Portfolio & Transaction Insights

AI turns portfolio and transaction data into clear, personalized insights for each investor.

Fraud & Compliance Case Assistance

AI helps investigate fraud and compliance cases faster, with context gathered from the platform.

Enterprise Knowledge Retrieval

AI retrieves trusted answers from internal knowledge so teams and investors get accurate information.

Scalable & Governable AI Platform

Our AI runs on a scalable, governable platform integrated with our application and data services.

Scalable & governable AI platform Privacy-first & encrypted Available 24/7
Why Raiz

Trusted by hundreds of thousands of investors

Backed by ASX-listed Raiz Invest and built for Indonesia, we combine global expertise with local care.

  • Global backing, local heart

    Part of Raiz Invest (ASX: RZI), a proven micro-investing pioneer, now serving Indonesia.

  • Transparent, low fees

    Simple, honest pricing with no hidden charges. Know exactly what you pay.

  • Regulated & secure

    Your funds are held safely with trusted custodians and protected by bank-grade security.

  • Built for beginners

    No jargon, no minimums that scare. Start small and learn as your money grows.

Average annual return
+11.8%
Minimum to start
Rp 10.000
App store rating
4.8
250K+
Active investors
Rp 1.2T
Invested to date
4.8★
Average app rating
10K
Minimum to start (Rp)
Contact us

Let's talk about your money goals

Questions about getting started, portfolios, or partnerships? Our Jakarta team is here to help.

  • Office
    Sahid Sudirman Center, Lt. 27
    Jl. Jenderal Sudirman Kav. 86
    Karet Tengsin, Tanah Abang, Jakarta Pusat 10220
  • Phone
    +62 21 5088 7300
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