About Chillur

What is Chillur

Chillur is a cryptocurrency microinvesting application. We provide a service to invest small amounts of money regularly into a diversified cryptocurrency portfolio. We aim to enable Australians to build positive, sustainable investing habits.

How does Chillur work?

Chillur allows you to invest small amount of money into a diversified cryptocurrency portfolio. We first offered a round-up feature that tracks your spare change and automatically invests it into your portfolio. This ensures that you invest in cryptocurrency every time you spend on your debit card or pay using Apple Pay or Google Pay.

Opening a Chillur account

What do I need to get started?

You need a valid email address to sign up for a new Chillur account and your BSB and account number to connect your bank account and start investing.

Is there a minimum investment amount required to open an account?

No, Chillur has no minimum account balance requirements to open an account. In fact, we don’t start charging your monthly fee till your first investment.

Can I withdraw my money or close my account at any time?

Yes, you can close your account anytime by sending an email to help@chillur.com.au and we will personally walk you through the account closing process. We are currently building the withdrawal feature and expect to launch it in January 2021.

My Chillur portfolio

What is my Chillur portfolio?

Your Chillur portfolio is an index portfolio that comprises 10 of the major cryptocurrencies that includes Bitcoin, Ethereum, XRP and Cardano.

To learn more, check out our post on how we structured the Chillur cryptocurrency index portfolio.

Can I invest only in Bitcoin?

You cannot invest in only one coin or your preferred combination of coins.

Is there risk involved in my investment?

Yes. Cryptocurrencies are highly volatile investments. It involves a substantial risk of loss and its performance is unpredictable. This makes cryptocurrency investing a very high risk investment option.

Deposits and Withdrawals

Can I withdraw my money whenever I want?

Yes, when we complete this feature (expected: January 2021), you will be able to withdraw your funds whenever you want. It can take upto 5 days for the funds to reflect in your bank account due to bank transfer times.

How long does it take to transfer money from my bank account into my Chillur account?

It takes 2-5 business days for transfers to take place and be ready to invest in your Chillur account.

Is there a limit to how much money I can deposit at one time?

Yes, the current limit is $100

Is there a limit to how much I can withdraw at one time?

Yes, the current limit is $500

What happens if I don’t have money in my account?

It is important that every user maintains a sufficient balance before committing to investing with Chillur.

If the investment is canceled due to insufficient funds on your first investment, we will not proceed unless you cover the cost of the investment and the bank fees.

If you are already investing with us and an investment is cancelled due to insufficient funds, you will be required to pay a fee for each missed investment when you close your account and withdraw your funds. For more information, check out our Pricing page.

We would not be responsible for any additional fees charged by your bank for this transaction.


Why does Chillur need my bank login information?

In order to track your spends and keep a count of your roundups, we need you to connect your bank account to your Chillur account using your online banking credentials. However, we can not see your login information at any point.

Fees and Pricing

How does Chillur make money?

It is completely free to open a Chillur account. Even after connecting your bank account, we don’t charge any fees till your first investment. After you make your first investment, we charge $1.50 per month.

How and when does Chillur receive its fee?

Fees are charged on the 25th of every month starting from the time you make your first investment. Fees are charged by direct debit to your linked bank account.

Are there withdrawal or exit fees?

No, it is free to withdraw money or close your Chillur account.

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