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How do I join Tanggram?

Simply register with your phone number, then enter the activation code we sent to you, your email address and your password. Your registration is done!

What should I do if I don't receive the activation code?

Please confirm you entered your mobile number correctly and make sure it is a valid Australian mobile number. You can always contact us via email or call us for help.

What should I do if I forgot my account password?

Just click “Forgot Password?” at the login page. We will send a security code to your email address to reset your password. If you didn't receive the security code, please contact us via email or call usfor help.

How much does it cost to use Tanggram?

The Tanggram Platform is free for all users. Tanggram aims to minimize any service charges to all of our customers and merchant partners. We are committed to transparency, and all fees associated with an investment in the Tanggram Investment fund(s) are set out in the fund’s Product Disclosure Statement (PDS) and Target Market Determination. The indicative targeted returns of the investment options are all AFTER FEES Before Tax.

What is a T-Point?

You will receive shopping rewards in the form of T-Points (1 T-Point = AU$ 1), from in-app spendings and other events/campaigns.

What can I do with my T-Points?

You can use your shopping rewards (T-Points) to boost your chosen Tanggram investment option once you have accumulated 50 T-Points. You can combine it with your initial investment or add it into your existing investments directly!

For example, if you’d like to invest $2,000 into the Seed investment option, you can combine 50 T-Points with $1,950 from your own pocket.This also applies to other Tanggram investment options, subject to terms and conditions.

How do I earn T-Points?

You can earn T-Points through shopping in-app, once your order has been fulfilled, you should be receiving the rewards (T-Points) after 5 business days. Alternatively, you can earn it by referring friends to download the Tanggram app, you will receive up to 10 T-Points subject to terms and conditions.

Currently we will reward you the T-Points with the exchange rate of: 1 T-Point = AU$ 1.

My wealth
What do I need to start investing?

It is so simple and easy to invest in the Tanggram app. Just a few clicks and you are done!

1. Choose from Tanggram Seed or Tanggram Spark.

2. Set your initial investment amount.

3. Provide you financial info such as bank account and TFN.

4. Complete your ID check.

What is ID verification and why do I need it?

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. 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.

Why do I need to provide my bank account details?

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, please contact our customer support team via email or livechat. We may require further verification before your change is processed in accordance with our anti-fraud procedure.

Why do I need to provide my Tax File Number?

Withholding tax may apply on income distribution unless you've provided us with your TFN.

How do I invest in the Tanggram Investment fund?

The application process is all digital through the app. It is simple and straightforward by following the instructions. Read the PDS of the fund before you decide to invest in the fund. Feel free to contact us via email or livechat for any further assistance.

Is there a minimum investment amount required?

Yes. Currently the minimum investment amount required is $1,000 for Tanggram Seed and $5,000 for Tanggram Spark. Please refer to the relevant PDS for your preferred Investment Option.

Is there a minimum investment period required?

Yes. Currently, the minimum investment period is 3 months for Tanggram Seed and 6 months for Tanggram Spark. Please refer to the PDS for your preferred Investment Option.

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

Both partial and full withdrawal options are available in the App with a simple tap.

Information about how to make a withdrawal from the fund is set out in the PDS for your preferred Investment Option. Check out the PDS https://www.tanggram.com/support/product-disclosure-statement.

You can close your account on the Tanggram app anytime by sending a written notice to customer@tanggram.com, quote your Tanggram ID and our support team will assist you on that.

Do any withdrawal fees apply to Tanggram fund?

There are no withdrawal fees unless you request to withdraw it before satisfying the minimum investment period. Please refer to the PDS for the fund for your preferred Investment Option for more information. Check out the PDS https://www.tanggram.com/support/product-disclosure-statement.

What is a Product Disclosure Statement (PDS)?

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. You should read the PDS carefully before deciding to invest into Tanggram Investment fund.

What is an Investment Option?

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.

Please refer to the PDS.

Can I invest into multiple investment options simultaneously?

Yes, and we are encouraging you to do so to create your own personalized investment portfolio.

Is there a risk involved in my investment?

Yes. Every investment comes with the 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.

How do I receive distributions?

You can either choose to reinvest your distribution into the underlying investment option, or to have them paid into your nominated bank account monthly.

How often do I receive distributions?

Distributions of income will be paid on a monthly basis. Please refer to PDS for more details.

Do I have to pay taxes on any money I make investing in the fund?

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.

Will I be charged a fee if I have a $0 balance?

No. There are no fees payable on $0 balances.

How to refer a friend?

Refer your friends to join Tanggram and receive T-Points rewards for both of you.

You can make a referral by letting your friends scan your unique QR code, sending them an invitation link or an invitation code. Check out the referral options in the ‘My Account’ tab under ‘Refer Friends’.

Other Inquiries
How to make complaints?

If you are dissatisfied or have a complaint about your investment in the Fund, please contact Tanggram at:

Tanggram Capital Pty Ltd (ACN 630 041 020, AR 001305609)

Level 4, 350 Collins Street, Melbourne VIC 3000


Tanggram will confirm receipt of any complaint by email within 1 business day, investigate the matter (in conjunction with Cache) and get back to you with a response with the aim of resolving your complaint within 30 days.

If Tanggram has not resolved your complaint to your satisfaction, you can request that the complaint be escalated to the Trustee for review.

If an issue has not been resolved to your satisfaction, you can lodge a complaint with the Australian Financial Complaints Authority (AFCA). AFCA provides fair and independent financial services complaint resolution that is free to consumers.

Website: http://www.afca.org.au

Telephone: 1800 931 678 (free call)

Email: info@afca.org.au

In writing to: Australian FinancialComplaints Authority, GPO Box 3, Melbourne VIC 3001.