★ A CURATED DIRECTORY OF FINANCIAL TOOLS AND RESOURCES ★
VOL. XCIV, NO. 247
Pearler Review, Pricing, and Features
Pearler
Pearler is an Australian long-term investing platform with CHESS-sponsored ASX holdings, custodied U.S. shares and automation. Direct buys and sells cost A$6.50, U.S. fractions are supported, and optional enrolled USD cash earns a variable rate.
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Pricing
Key fees from the official fee schedule
Source-checked · Jul 17, 2026ASX stocks and ETFsASX direct
U.S. stocks and ETFsU.S. direct
AUD–USD conversionU.S. direct
U.S. portfolio transfer outU.S. direct
Pearler Investments Pty Ltd is a corporate authorised representative. Openmarkets provides ASX execution and CHESS sponsorship, while Alpaca Securities executes, clears and custodies the current U.S. offer. This profile covers Pearler ASX and U.S. direct investing. Pearler Micro, Headstart, Super and managed-fund products have separate ownership, fees, reports and disclosure documents. See the Pearler fee schedule for your country.
Key features
- CHESS-sponsored ASX stocks and ETFs through Openmarkets.
- Whole and fractional U.S. stocks and ETFs through Alpaca Securities.
- A$6.50 per direct ASX or U.S. buy or sell.
- Automated investing and portfolio rebalancing workflows.
- Individual, joint, minor, trust, SMSF and company ASX accounts.
- Australian tax-preparation exports, statements and CGT helper reports.
Broker details
Account and availability
Available in 1 countryASX direct
Available in 1 countryU.S. direct
AccountASX direct
Individual, Joint, Minor trust, Trust, SMSF, Company · AUD base currency · No general cash deposit minimum; ASX first-purchase market minimums apply
AccountU.S. direct
Individual · AUD, USD base currency · No general deposit or trade minimum stated
Cash and trading
Interest on uninvested cash
0%
Interest on uninvested cashU.S. direct
2.75% p.a. variable
Deposits
No standard fee stated; bank/provider fees can apply
Same-name PayID or direct deposit, PayTo direct debit, supported account transfer, or eligible direct USD ACH or wire for U.S. investing · PayID or Osko can be near-instant; other methods vary
Withdrawals
No standard cash-withdrawal fee stated
Withdrawal to the verified primary Australian bank account · Normally 1–2 business days after settlement
Fractional sharesASX direct
Not available
ASX stocks and ETFs · Whole shares; first ASX purchase generally A$500
Fractional sharesU.S. direct
Available
Eligible U.S. stocks and ETFs · No minimum stated
Tax support · Australia
Statements only
Regulation and protection
Pearler Investments Pty Ltd
Australian Securities and Investments Commission (ASIC) · ACN 625 120 649; CAR 1281540
Sanlam Private Wealth Pty Ltd
Australian Securities and Investments Commission (ASIC) · AFSL 337927
Openmarkets Australia Limited
Australian Securities and Investments Commission (ASIC)
Alpaca Securities LLC
U.S. Securities and Exchange Commission and FINRA
ASIC-regulated authorised-representative and AFSL chain · No investment-loss compensation limit
Pearler Investments provides the platform as an authorised representative of Sanlam Private Wealth. This regulatory responsibility is separate from the CHESS, custody, SIPC and bank-sweep arrangements supplied by Pearler's underlying providers.
Pearler Investments Pty Ltd · Sanlam Private Wealth Pty LtdASX CHESS direct ownership · No compensation limit; direct HIN registration
Openmarkets is Pearler's underlying ASX broker and Australian direct holdings are CHESS-sponsored under the customer's HIN. This does not protect against market loss.
Openmarkets Australia LimitedSecurities Investor Protection Corporation (SIPC) · Up to US$500,000, including US$250,000 for cash claims
Applies to eligible missing customer property if Alpaca Securities fails, subject to SIPC rules. It does not cover market loss.
Alpaca Securities LLCAlpaca FDIC Bank Sweep Program · Subject to participating-bank FDIC limits and aggregation
Available only to customers enrolled in Pearler's optional High Yield Cash Program for eligible USD cash; program and bank eligibility rules apply.
Alpaca Securities LLCSource-checked · Reviewed Jul 17, 2026 · Official sources: Pearler financial services guide, Pearler key technology providers, Am I eligible to sign up for Pearler?, Trust, SMSF and company accounts, Pearler Shares pricing, Pearler US investing FAQs, Pearler deposits for investing, Selling and withdrawing from Pearler, Pearler U.S. investments and Australian tax return tools
FAQ
Is Pearler free?
Pearler should not be treated as free software. Brokerage access may have no monthly charge, but transaction, FX, market-data, custody, transfer, product, or spread costs can apply depending on the offer and jurisdiction. Check the broker details and official fee schedule.
Who is Pearler best for?
It suits beginner and intermediate users.
What platforms and connections does Pearler support?
You can use Pearler on Web and Mobile.
Which markets does Pearler cover?
Pearler covers APAC and North America. Examples include AU. It tracks Stocks and ETFs. Identifiers include Ticker.
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