The Tanggram idea was born in 2016. After years in the fintech and traditional wealth management industry, we realized the opportunity and the demand for a lite, smart and user-friendly investment platform for our young generations. Tanggram Pty Ltd (Tanggram) was established to lead this stream.
The Tanggram App is a smart wealth creating platform that integrates rewards from shopping, investment and fun. It gives you an opportunity to save and invest money to reach your financial goals whilst having fun.
We think and act from our user’s perspective. We are dedicated to offer the investment opportunities with more transparency and a less complicated process. We would like to lead our generations to build and grow their wealth from daily shopping, smart investing and friends sharing.
By using Tanggram App, you can get rewards every time you shop in Tanggram partnered merchant stores. Together with your investment contributions, we help you to reach your goal in a smarter fashion without breaking a sweat. You could also invite your family and friends on board to play together, and redeem for more bonuses for your loyalty.
Simply register with your email address. Enter the activation code we sent to you and your registration is done!
Please confirm the spelling of your email address and check your email spam folder. You can always contact us and we’ll take a closer look for you.
Just click “Forgot Password?” at the login page. We will send a security code to your email address to reset your password.
Unfortunately it might not be possible to change your email address as it would be your unique username once registered. To avoid further inconvenience, please choose a valid email address rather than a random one.
The Tanggram App is free for all users.
Tanggram aims to minimize any service charges to all of our customers and merchant partners. And we pass on all shopping rewards to our users. In order to keep doing this, we would need to charge $5 for the very first withdrawal request per account, which will be deducted directly from your rewards balance.
We are committed to transparency, and all fees associated with an investment in the Tanggram Investment Fund (Fund) are set out in the Fund’s Product Disclosure Statement (PDS).
Shop at one of many merchants listed on Tanggram. Once you are ready to checkout, enter your full bill amount in “Collect Rewards” to create a scan code, the store member will scan the displayed code with the Tanggram device and your rewards can be instantly reviewed in your “transaction”!
Your shopping rewards can be invested into your investment account once it reaches $100. For example, if you’d like to invest $2,000 into the Spark Investment Option of the Tanggram Investment Fund, you have the option to use $100 from your shopping rewards and $1,900 from your own pocket! You can also withdraw your shopping rewards as a lump sum once it reaches $200, with a withdrawal fee of $5 for your first withdrawal only.
Easy! Enter "Earn Rewards" page, and click on "Cash Rewards Withdrawal" button on the top of the page. Once your cash rewards account balance reaches $200, you will have the option to withdraw them all immediately!
Generally, we process the shopping rewards withdrawal requests on a monthly basis. We will send you a notification once the payment is made. Please contact us if you did not receive any notifications or the money.
Tanggram claims your rewards based on merchants' transaction statement. So please make sure you double check the amount before the merchant confirm the transaction. All the rewards will be liquidated before the merchant terminate the cooperation with us. Tanggram is not responsible for the outstanding rewards balances as a result of the merchant going out of business.
Please consult the merchant’s return policy to determine whether you are eligible for a refund or exchange. You will be refunded your transaction amount. The incurred rewards will be claimed back by a merchant through Tanggram App upon the merchant’s notice.
One way is by searching for the merchant name in “Stores” on the Tanggram app. Normally a sign should be easily visible within or outside the store.
All the rewards balance should be settled before the merchant terminates the agreement with Tanggram. Tanggram is not responsible for any rewards transactions or outstanding rewards balances after the termination.
Read the PDS for the Fund, select an Investment Option, and complete an application through the Tanggram App. You will need to answer a few questions about yourself to verify your identity. We have kept the signup process as painless as possible.
The Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (Cth) (AML/CTF Act 2006) obliges financial institutions to collect and verify certain ‘information about a customers’ identity when providing financial products and services. If you invest in the Fund we will ask for some basic information so that we can confirm your identity. If there is any inaccuracy in the info provided, your money will not be invested until your identity is verified.
You can be sure that we will take care of any information you provide and that our procedures will be in keeping with Privacy Act 1998.
We require your bank account details to pay you any income distributions and satisfy your withdrawal requests. If you would like to change your nominated bank account, we may require further verification before a change is processed in accordance with our anti-fraud procedure.
You are not required to provide your tax file number (TFN) to invest in the Fund. However, if you do not provide your TFN any distributions from the Fund may be taxed at the top marginal rate, currently 49%.
Read the PDS for the Fund to find out how to make an investment in the Fund. Otherwise, feel free to contact us for any further assistance.
Once you’ve submitted an application to invest in the Fund, you’ll see a Tanggram PayID for you to transfer your money to the Fund’s application account. We will not direct debit your bank account in case of any non-sufficient funds fee charged by your bank. You can refer to the “Pending Payment & Process” status in your investment page.
Don’t forget that you can also invest your Shopping Rewards once it reaches $100!
Yes. Please refer to the relevant supplementary PDS (SPDS) for your preferred Investment Option.
Yes. Please refer to the relevant SPDS for your preferred Investment Option.
Information about how to make a withdrawal from the Fund is set out in the relevant SPDS for your preferred Investment Option.
You can close your account on the Tanggram App anytime by sending a written notice to firstname.lastname@example.org, and our support team will assist you on that.
It depends. Please refer to the PDS for the Fund and the SPDS for your preferred Investment Option for more information.
To help you grow your wealth and achieve your goals are our mission, we are happy to see you realizing your dream.
A product disclosure statement is a document that contains information about a financial product. The PDS for the Tanggram Investment Fund contains relevant to an investment in the Fund, including any significant benefits and significant risks, the costs associated with an investment in the Fund and the fees and charges that Tanggram may receive. It is available on our website and through the Tanggram App and you should read the PDS carefully before deciding to invest into Tanggram Investment Fund.
The Fund provides investors the opportunity to select from different Investment Options, each offering investors exposure to a different portfolio of underlying managed funds selected by Tanggram. Each Investment Option may also have a different target return, risk profile and withdrawal rights.
All Investment Options are available to investors who participate in the Tanggram’s Cash Rewards Program and investors who invest directly.
A supplemental product disclosure statement (SPDS) will be issued in respect of each Investment Option which will sets out its specific details.
Yes, but you have to first withdraw your investment and then choose a new investment option.
Yes. Every investment comes with risk. The investment returns are variable and paid monthly. The rates of return are not guaranteed and are determined by the future revenue of the underlying credit fund portfolios. For more information about our investment strategy and risks please refer to the relevant sections of the PDS which is available on our website.
Distributions of income (if any) will be automatically reinvested into the underlying investment portfolio.
Distributions of income (if any) will be paid on a monthly basis.
You may need to pay tax on any distributions earned through an investment in the Fund, as well as upon your exit from the Fund. Your taxation position will depend on your individual circumstances and you should seek your own taxation advice in relation to the taxation of any income distributed by the Fund.
The Administration Manager for the Fund will provide you a taxation statement at the end of each financial year.
Yes. There are a range of fees and costs associated with an investment in the Fund. For more information, please visit the PDS on our website or through the Tanggram App.
No. There are no fees payable on $0 balances.
With your unique Referral Code, you can refer Tanggram to your friends to get big rewards for both of you! Simply tap “invite Friends” in “Social & Fun”, you can create your Referral Code instantly and give it to your friends, You can also enter your friends’ email address then they will follow the instructions to register with Tanggram. Just don’t forget to give your Referral Code!
The more T-Cents you have, the more rewards you will get! Exchange your T-Cents into various Vouchers and Gift Cards in Tanggram in “Exchange Center”, and you will receive them in your email address in 1-3 business days. You can also share your T-Cents to your friends in the near future.
We’d like to reward you in every imaginable way on top of your cash rewards!! You can get T-Cents everyday when you sign in to Tanggram; complete Tanggram weekly fun facts test; and invite your friends onboard.
For your privacy, we don’t allow your friends to see your activities on Tanggram including your shopping information and investment. But you’ll very soon see more entertaining ways to do with your friends in Tanggram. Now it’s a good time to add more friends and see your rewards growing.