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Robo Advisor · 8 platforms tracked

Compare Australian robo-advisors in 2026

Robo-advisors are automated investment platforms that build and manage a diversified portfolio of ETFs for you, typically for a flat monthly or percentage-based fee. They suit investors who want a hands-off approach: you set your risk profile and goals, and the platform rebalances your portfolio automatically. Some robo-advisors are CHESS-sponsored, meaning you hold the underlying shares under your own HIN, while others are custodian-held, where the platform holds the assets on your behalf. The two key things to weigh are the fee structure (monthly flat fee versus percentage of funds under management) and the ownership model (CHESS vs custodian). We track 8 robo-advisor platforms on Investmatch.

By Investmatch Research Team · Last updated 15 May 2026

What to look for

  • ›CHESS sponsorship: your shares held under your own HIN, not the platform's
  • ›Fee structure: flat monthly fee vs percentage of your balance matters for larger portfolios
  • ›Minimum investment: some start from $0, others require $3,000 or more
  • ›Auto-invest and DCA: set-and-forget regular deposits into your portfolio
  • ›SMSF support: check if the robo-advisor can work with your self-managed super fund
  • ›Ethical or thematic options: some platforms offer portfolios focused on climate or impact investing

Robo Advisor platforms in Australia

8 tracked. Click any platform for the full data breakdown including fees, account types, and source citations.

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Frequently asked questions

What is a robo-advisor?
A robo-advisor is an automated investment service that builds and manages a portfolio of ETFs based on your risk tolerance and goals. You deposit money, choose a strategy, and the platform handles rebalancing and reinvesting. It is a low-touch alternative to a human financial adviser.
Are Australian robo-advisors regulated by ASIC?
Yes. All legitimate robo-advisors in Australia must hold an Australian Financial Services Licence (AFSL) issued by ASIC. This means they are subject to the same compliance, disclosure, and dispute-resolution rules as any other financial service provider.
What is the difference between CHESS-sponsored and custodian-held robo-advisors?
With CHESS sponsorship, the underlying ETFs are registered in your name on the ASX under your own HIN. With a custodian model, the platform holds the assets on your behalf. CHESS gives you direct ownership; custodian is simpler but means you rely on the platform's records.
How much do robo-advisors charge in Australia?
Fees vary. Some charge a flat monthly fee (e.g. $3 to $7 per month), while others charge a percentage of your balance (e.g. 0.3% to 1% per year). For small balances, flat fees can be cheaper. For larger balances, a percentage fee may work out better.
Can I use a robo-advisor for my SMSF?
Several robo-advisors in Australia support SMSF accounts. You typically need to meet a higher minimum investment, and the platform will issue the required tax statements. Check each platform's SMSF offering before signing up.
What is the minimum investment for a robo-advisor?
Minimums range from $0 (for round-up apps) to $20,000 or more for some managed accounts. Most robo-advisors sit between $500 and $3,000. Choose one that fits the amount you are ready to invest upfront.
Can I set up automatic deposits with a robo-advisor?
Yes. Most robo-advisors offer auto-invest or dollar-cost averaging features. You can set up regular transfers from your bank account, and the platform will automatically buy more units in your chosen portfolio according to your schedule.

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