1.02K reviews
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About this app

The flexibility to borrow as you need!

Take control of your spending and manage your cash flow effortlessly with Spot Jar. Get up to a $500* limit to make multiple Spots and repay in 4x weekly instalments.

Cashback is great, but Stockback is better.
We’re all about rewarding you even when you need a helping hand. Score a bonus 4% Stockback™ on your first $100 Spot when it’s repaid on time and in full.

It’s never been easier to build long-term wealth. Invest in US Portfolios and Shares, connected to Autopilot. Empowering you to auto-invest directly from your connected bank account.

Invest as little as you like in a simple way to begin your investing journey and diversify across assets, industries and countries.

* Invest to suit your risk profile
* Sustainable investment options
* Set and forget with auto-invest
* Managed by the experts, BlackRock (world’s leading asset manager).

Our Simple, low fees:

Diversified Portfolios:
$2.99/28 days - with an active balance over US$50

Shares - All you can trade:
$4.99/28 days - for one or more Share trades. $0 if you don’t make a trade.

*FX on AUD to USD charged at 0.99% (0.69 margin rate equivalent). An instant funding fee of 0.5% applies with instant account funding.

Expand your investing strategy by buying US Stocks and ETFs. Invest in US companies & brands you know and love.

* Fractional Shares - invest from as little as US$1
* Sustainability focused - view companies' ESG scores
* Invest on the regular with auto-invest

A little on the regular goes a long way! Easily auto-invest your money for the long-term, sit back and relax and let Autopilot do the rest.

Read, watch and learn your way to financial independence. The Academy is a one-stop shop for all things investing.

Your Investments are protected up to US$500,000 under Securities Investor Protection Corporation (SIPC) scheme.

All your investments are held in your name (yes, even fractional investments) and are expertly managed by the world's largest fund manager, BlackRock.

Our systems are designed with your protection in mind. Using state-of-the-art data encryption and in-app biometric security for all your transactions.

- - - - - - Disclaimers - - - - - -

The Douugh credit product is provided by 1derful Pty Ltd. The Douugh Spend Jar account is distributed by 1derful Pty Ltd. The Douugh Mastercard® is issued by 1derful Pty Ltd pursuant to a license from Mastercard® Asia Pacific and may be used anywhere Mastercard® is accepted.

Investing involves risk. You aren't guaranteed to make money, and you might lose the money you start with. Douugh Australia Pty Ltd ABN 76 617 000 138 operates under Douugh Australia Pty Ltd AFS License No. 500063. Although we endeavour to ensure the accuracy of information we provide, we do not accept responsibility of liability for any errors or from any loss from its use. Any information provided is general advice only and has been prepared without considering your objectives, financial situation or needs. We don't provide personalised advice or recommendations. Before making any investment decision you should consider whether it is appropriate for your situation and seek appropriate taxation and legal advice. For more details, see our FSG, Terms of Service and other disclosures.

Past performance figures are based on information provided by third parties and may not be accurate. Past performance is not indicative of future performance. This information does not suggest or imply and should not be construed, in any manner, a guarantee of future performance, investment advice or an investing strategy.
Updated on
18 Feb 2024

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region and age The developer provided this information and may update it over time.
No data shared with third parties
Learn more about how developers declare sharing
This app may collect these data types
Personal info, Financial info and 3 others
Data is encrypted in transit
You can request that data be deleted

Ratings and reviews

999 reviews
August Wehner
19 March 2022
This app is awesome. I've been looking for an institution that can automate my finances so I was worried when things started off a bit rocky. Then they seemed to get a little "rockier," but the customer service I received is off the charts. They were responsive to all issues and were quick to respond. Since joining, I've even discovered some quality features I was unaware of. Would recommend to anyone looking to automate your finances or looking for a new financial institution.
20 people found this review helpful
Caiden Lemmons
4 November 2021
The app has it's issues, but looking through a lot of the reviews just seems to be a lack of research. The smart part of the bank is it's automation, a LOT of digital/mobile banks don't have a way of depositing cash. If that's what you need then use a local bank. We are shifting into a digital only age, and I came from Simple which has a lot of the same tools that this bank has. 4 stars cause there are some issues with the app, but it doesn't deserve 1 star at all.
142 people found this review helpful
Maia Wilson
28 September 2022
Wanted to try out Douugh but was denied access after applying. A couple days later I received an email that says that they needed more documents for verification. I sent in the verification documents, waited a few days with still no word back. Had to reach out to someone through discord and they finalled helped me to be approved. Finally able to try out the app and was disappointed by lack of needed features, bad customer service, and an overall poor experience. So my search continues...
2 people found this review helpful