Frequently Asked
Questions

Wealthra is an Australian personal finance platform that helps you track, analyse, and grow your finances in one place. It connects to your bank accounts via Open Banking, automatically categorises transactions with AI, and gives you a complete view of your financial life — budgets, investments, net worth, goals, and BNPL tracking.

Wealthra is built for Australians who want a single, unified view of all their finances. Whether you're just starting to budget or you're an experienced investor tracking a diverse portfolio, Wealthra brings everything together in one platform.

Wealthra is primarily built for the Australian market with full Open Banking (CDR) support. We also support users in New Zealand, the UK, US, Canada, Singapore, Hong Kong, and Ireland, though some features like automatic bank feeds may vary by region.

Yes! Wealthra offers a free plan that's perfect for getting started with basic budget tracking. It's free forever — no credit card required.

We offer four tiers: Free ($0), Budgeter ($9.99/mo), Investor ($19.99/mo), and Planner ($29.99/mo). All paid plans include a 14-day free trial and you can save 17% with annual billing.

Absolutely. You can upgrade, downgrade, or cancel your plan at any time. If you downgrade, you'll retain access to your current plan's features until the end of your billing period.

Yes, all paid plans come with a 14-day free trial. No credit card required to start — you only pay if you decide to continue after the trial.

Yes. Wealthra uses bank-grade 256-bit AES encryption for all data in transit and at rest. We're CDR (Consumer Data Right) compliant, require multi-factor authentication, and use read-only access to your bank accounts — we can never move your money.

Never. Your financial data is never sold to third parties, shared with advertisers, or used for anything other than providing you with the Wealthra service.

The Consumer Data Right (CDR) is an Australian government regulation that gives you the right to securely share your bank data with accredited providers like Wealthra. It's the safest way to connect bank accounts because your bank handles the authentication directly.

No. Wealthra has read-only access to your financial data. We can view your transactions and balances but can never initiate transactions, transfers, or move funds in any way.

Wealthra supports all major Australian banks and financial institutions through our Open Banking integration. This includes the big four (ANZ, CBA, NAB, Westpac) and most other banks, credit unions, and building societies.

When transactions sync from your bank, Wealthra's AI automatically assigns them to spending categories based on the merchant and transaction details. It learns from your corrections over time, and you can create custom rules for specific merchants.

Yes. The Investor and Planner tiers include full investment portfolio tracking for shares, ETFs, and managed funds. You can also connect your Swyftx account to automatically sync your crypto holdings.

Wealthra's BNPL (Buy Now Pay Later) tracking gives you a dedicated view of all your active BNPL purchases across providers like Afterpay and Zip. You can see payment schedules, progress on each purchase, and your total outstanding BNPL balance.

Yes. Wealthra supports household sharing with privacy controls. You can set individual accounts as Private (only you can see), Household (shared with your partner), or Hidden (not visible to anyone but you).

Sign up for free, connect your bank accounts through Open Banking, and Wealthra will start syncing and categorising your transactions automatically. The whole setup takes just a few minutes.

Yes! Every paid plan includes a free 30-minute personalised video onboarding call where we'll help you set up your accounts, budgets, and goals. You can book this at any time after signing up.

Yes. You can delete your account at any time from your settings. There's a 30-day grace period during which you can recover your account if you change your mind, after which all data is permanently deleted.