Accounts & headline costs
Sections ↑Pearler’s Australian shares use CHESS sponsorship, while US holdings are held through a custodial arrangement. Micro is a managed-fund product and Super is a separate superannuation service. Their fees and ownership structures differ.[14][15][1]
Account and service routes at a glance
| Account / service | Customer and legal scope | Principal condition |
|---|---|---|
| ASX investing | Individual, joint, company, trust and SMSF routes | CHESS sponsorship and A$ account funding.Source 1 |
| US investing | Individual accounts; supported whole and fractional US securities | Beneficial custody, A$ brokerage and AUD/USD conversion.Source 11Source 14 |
| Pearler Micro | Portfolio-style micro-investing | Subscription/portfolio economics differ from direct brokerage.Source 1 |
| Pearler Super | Superannuation product | Trustee, administration and investment fees are separate.Source 1 |
Current share and Micro charges
| Item | Published price | Scope |
|---|---|---|
| ASX and US share order | A$6.50 per buy/sell | US brokerage is also deducted in AUD.Source 1Source 11 |
| Prepaid brokerage | A$5.50 per buy/sell | Requires prepaid credit; ordinary cash brokerage remains A$6.50.Source 1 |
| AUD/USD conversion | 0.50% each conversion | Applies in both directions.Source 11 |
| Micro | A$2 per month | Fund transaction/operating costs can remain; separate from direct-share brokerage.Source 1 |
| Super | Separate product schedule | Administration, brokerage and underlying ETF expenses; consult its PDS.Source 1 |
Products & investment scope
Sections ↑Products and ownership boundaries
| Product route | Published scope | Boundary |
|---|---|---|
| ASX shares and ETFs | CHESS-sponsored listed holdings | Security eligibility applies.Source 1 |
| US shares/ETFs | Supported US market, including fractions where available | Beneficial custody rather than CHESS.Source 1 |
| Model portfolios | Micro and super portfolios | Underlying fund costs remain.Source 1 |
Fees & holding costs
Sections ↑US trades incur both A$ brokerage and the conversion charge when moving between AUD and USD. Micro’s monthly platform charge does not remove the underlying managed fund’s operating costs.[1][11]
Account and transfer costs
| Item | Published treatment |
|---|---|
| Ordinary Pearler Shares account | No ongoing account fee, exit fee, deposit/withdrawal fee or AUD cash-transfer fee.Source 12 |
| Australian broker-to-broker share transfer | No Pearler fee under the published ordinary transfer scope.Source 12 |
| US and off-market transfers | Separate costs can apply; the free Australian transfer scope does not cover every route.Source 12 |
| Managed products | Micro and Super retain their own product/underlying investment fees.Source 1 |
Platforms, orders & execution
Sections ↑Platform and order controls
| Route / control | Published capability | Operational limit |
|---|---|---|
| Manual order | Market or limit functionality offered in the app | A limit order can remain unfilled.Source 1 |
| Autoinvest | Rule-based scheduled allocation | Cash threshold and market timing determine order creation.Source 1 |
| Goals/rebalancing | Planning tools | Targets are not advice or guaranteed returns.Source 1 |
An order instruction is not an execution guarantee. Venue hours, price limits, liquidity, partial fills, corporate actions and system availability can alter the result. A cancellation is effective only when the broker or venue acknowledges it; closing an app does not cancel an order already accepted.[1]
Funding, withdrawals & transfers
Sections ↑Cash funding and withdrawal lifecycle
| Stage | Published route | Constraint |
|---|---|---|
| Bank transfer / direct debit | AUD funding from verified account | Direct-debit reversal or clearance can delay withdrawal.Source 1 |
| Autoinvest cash | Funds accumulate until the configured trigger | Uninvested cash and withdrawable cash are not always identical.Source 1 |
| Withdrawal | Settled cash to verified bank account | Sale settlement and security checks apply.Source 1 |
Moving an existing portfolio
| Transfer type | Published treatment | Material consequence |
|---|---|---|
| CHESS transfer-in | Australian holdings with matching registration | HIN and ownership details must align.Source 1 |
| Broker-to-broker transfer | Supported US/other assets only | Custodian and fraction rules apply.Source 1 |
| Transfer-out | Forms and current fee schedule | Ordinary Australian broker-to-broker transfers are free; US and off-market transfers can have separate costs.Source 12 |
Buying power, settled cash and withdrawable cash are different quantities. A recent deposit can be available for trading while still subject to a withdrawal hold, and sale proceeds remain subject to settlement. Bonus or promotional credit—where offered—must satisfy its own terms before it should be treated as freely withdrawable cash.[1]
Custody, regulation & client protection
Sections ↑Protection chain
| Layer | Published position | What it does not mean |
|---|---|---|
| Authorised representative | Pearler Investments Pty Ltd under Sanlam Private Wealth Pty Ltd, AFSL 337927, according to the July 2026 FSG | The licence belongs to Sanlam; it does not insure market value.Source 13 |
| CHESS | Eligible ASX holdings on individual HIN | Foreign and Micro holdings use different custody.Source 14 |
| Client money | Australian client-money controls | Not equivalent to a bank deposit guarantee.Source 1 |
| Super structure | Trustee and custodian documents govern | Super assets are not ordinary brokerage cash.Source 1 |
Support, complaints & security
Sections ↑Support and escalation
| Route | Use | Boundary |
|---|---|---|
| Customer support | In-app/email support and published help centre | Complex transfers may require forms.Source 1 |
| Complaint | Internal dispute resolution and AFCA eligibility | Escalation requires first giving the firm an opportunity to respond.Source 1 |
| Outage | Support can assist but order execution remains market-dependent | No general emergency-dealing guarantee was established.Source 1 |
| Security | Authentication and verified withdrawals | Customers should report account compromise immediately.Source 1 |
A service channel is not automatically an emergency dealing desk. During an outage, the customer should use the published channel, preserve timestamps and order details, and confirm whether an instruction was accepted.[1]
Special services & tools
Sections ↑Distinctive services
| Service | Function | Condition |
|---|---|---|
| Autoinvest | Scheduled portfolio purchases | Stopping future orders does not sell existing holdings.Source 1 |
| Community/social features | Optional sharing and educational content | Not a copy-trading mandate.Source 1 |
| Promotions | Referral/free-brokerage benefits subject to programme terms | Reward eligibility and withdrawability are separate.Source 1 |
Stopping Autoinvest prevents future scheduled purchases; existing holdings remain invested until sold or transferred. Micro and Super withdrawals follow their own product terms.[4][1]
Company background
Sections ↑Pearler at a glance
| Measure | Value | Context |
|---|---|---|
| Contracting entity | Pearler Investments Pty Ltd | Source 1 |
| Primary jurisdiction | Australia | Source 1 |
| Headquarters | Sydney, New South Wales, Australia | Source 1 |
| Founded / lineage | 2018 | Source 1 |
| Platforms | Pearler web; Pearler mobile; Pearler Micro; Pearler Super | Source 1 |
Company and service boundaries
- Headquarters
- Sydney, New South Wales, Australia
- Founded
- 2018
Legal entities & licences
These are source-dated records, not a blanket assessment of the broker. Read each issuer, identifier, status and scope together.
Pearler Investments Pty Ltd
AustraliaSource 1
No separate licence entry is recorded in this panel.
Sources & further reading
- Brokerage pricing Pearler · Accessed 29 Oct 2026
- ASX investing and CHESS sponsorship Pearler · Accessed 16 Oct 2026
- US investing Pearler · Accessed 16 Oct 2026
- Autoinvest Pearler · Accessed 16 Oct 2026
- Pearler Micro Pearler · Accessed 16 Oct 2026
- Pearler Super Pearler · Accessed 16 Oct 2026
- Portfolio transfers Pearler · Accessed 16 Oct 2026
- Legal documents and FSG Pearler · Accessed 16 Oct 2026
- ASIC professional registers ASIC · Accessed 16 Oct 2026
- AFCA investment complaints AFCA · Accessed 16 Oct 2026
- US account eligibility, currency and fees Pearler · Accessed 29 Oct 2026
- Share account and transfer fees Pearler · Accessed 29 Oct 2026
- Financial Services Guide, 1 July 2026 Pearler · Accessed 29 Oct 2026
- Australian and US securities ownership Pearler · Accessed 29 Oct 2026
- Supported products and account registrations Pearler · Accessed 29 Oct 2026
This profile reports dated public information, including broker-published services and terms. It does not independently test or guarantee execution, pricing or withdrawals. Inclusion is not an endorsement. Permissions and protections apply only to the named legal entity, service and client category; check the current official records and your contract.