Definitions

Primary cash: Sum of your cleared + clearing funds that you can use to manually queue an order on our platform.
Available cash: Your cleared funds that you can withdraw or immediately use to manually place an order.
Autoinvest cash: A separate pool of funds exclusively used by our Autoinvest feature; you can manually contribute money into this pool to trigger Autoinvest earlier.

You can find the Deposit and Withdraw/Transfer buttons located on your Dashboard.

Put “autoinvest” in you bank payment's reference, message, or description field to deposit straight into your Autoinvest cash account.

Funds need to first be transferred into your Primary cash (AUD) account before it can be withdrawn to your linked bank account.

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Autoinvest cash FAQs

Autoinvest cash is used exclusively for Pearler Shares Autoinvest. This ensures that if you manually deposit money into your Pearler account, it will not be automatically used by Autoinvest unless you explicitly transfer it to Autoinvest cash.

Other things to note about reserved Autoinvest funds include:

• When your Autoinvest deposits funds into your Pearler account, these funds will automatically be placed into Autoinvest cash.

• When an Autoinvest makes a purchase of shares, any leftover funds will remain in your Autoinvest cash.

• If you transfer money from available cash into Autoinvest cash, you may reach your Autoinvest target sooner and therefore trigger your regular investment(s) sooner.

Primary cash & Available cash FAQs

What happens when I make a deposit?

When you deposit money into your Pearler account, your primary funds will increase immediately by the same amount. However, your available funds won’t increase until the deposit clears into Pearler.

What happens when I make a withdrawal?

When you withdraw money from Pearler, your available and primary funds will both reduce immediately by the amount withdrawn.

What's the difference between queueing vs placing an order?

Placing is when we submit an order to our brokerage partner. Queueing is an internal system that automatically places an order once you have enough cleared funds.

You can only place an order using funds that have been cleared (available). However, you can queue orders with clearing funds (primary); these orders will be placed automatically when the funds have cleared.

What happens when you queue/place an order?

When you queue/place an order, both your available and primary funds will decrease immediately by the value of the order. If the order amount is larger than your primary funds, Pearler will make a direct debit to cover the leftover amount.