Can I have more than 1 account?

Can I open a Blossom account with my Trust?

Can I open a Blossom account with my Company?

How do I switch between my individual and Company, or Trust account?

How many accounts can I set up under one profile?

How long does it take to set up a Company or Trust account with Blossom?

What type of information is required to open a Company or Trust account?

Can I open an individual account and a Company, or Trust account with Blossom?

Company and Trust Accounts

Why the Garvan institute?

When will I receive my referral bonus?

Is there a maximum number of people I can refer?

How does the Blossom referral program work?

Refer a Friend

Is there a minimum investment amount for Blossom Save?

What is Blossom Save?

Is Blossom Save for me?

Is there a maximum investment amount for Blossom Save?

Blossom Save

What is Blossom’s savings goal feature?

How do savings goals work?

Savings Goals

What is Blossom?

What makes Blossom different?

How do I save with Blossom?

What details do I need to get started with Blossom?

How old do I have to be to open a Blossom account?

Do you have Blossom Kids? Can I open an account for my 10-year-old?

How does Blossom work?

I want to talk to support via the live chat – I need some help from a human!

Is my privacy protected?

Why do my details need to be verified by Blossom?

Which countries does Blossom support?

Who is the responsible entity?

Why was my account rejected?

I can't login to my account; my app isn't working - what do I do?

I’ve been charged for a personality test, IQ test, or subscription - is this Blossom?

How is Blossom NZ different to Blossom AU?

Getting Started

How does Blossom make money?

Does Blossom charge fees? What fees do I pay?

Fees

Can I invest in both Blossom Save and Blossom Plus?

Can I get a proof of balance statement?

Is Blossom regulated by ASIC?

What is the Product Disclosure Statement (PDS)?

Who is the Blossom Fund managed by?

Is the Blossom Fund audited?

What is the relationship between JP Morgan and Blossom?

Is investing in fixed income the same as investing in the stock market or ETFs?

What if the Blossom Fund makes less than the targeted returns for Blossom Save, Plus or Grow?

What does investment grade mean?

What is Blossom’s Threshold Management and Underwriting Agreement?

Is there risk involved in my investment?

What do you mean by savings & earnings?

Is Blossom a bank?

Is it a passive investing app?

Why can’t I invest in fixed income investments myself? Why do I need Blossom?

What is the difference between the Blossom Save, Blossom Plus and Blossom Grow’s features?

What is my investment? What do I own?

What is a fixed income fund?

What is the difference between Blossom Save and Blossom Plus investment strategies?

What is the key difference in risk between Blossom Save, Blossom Plus and Blossom Grow?

What currency will I invest in?

Is there currency risk?

Does Blossom operate under an Australian Financial Services License (AFSL)?

How does Blossom target a fixed p.a. return?

Can I get an account statement?

Why have I not been seeing my earnings grow?

Is my capital guaranteed?

Can I invest in Blossom Save, Blossom Plus and Blossom Grow?

Investing with Blossom

What is Blossom’s commitment to ESG?

What does ethical investing mean for Blossom?

When will Blossom plant a tree?

Plant a Tree

What is a joint account?

Who can open a joint account?

Who suits a joint account?

How do I open a joint account?

Can I convert my existing account into a joint account?

How can my savings partner and I access our joint account?

How many joint accounts can I open?

Can I have a business or trust account as well as a joint account?

How do I fund a joint account?

How can I update the bank account linked to my Blossom joint account? 

Can either account holders make withdrawal requests?

How do I keep track of my saving partner’s transactions and activity on our joint account? 

How are joint account withdrawals processed?

Can we set withdrawal limits on a joint account?

I want to close my joint account

What happens if there is a dispute between account holders?

Joint Accounts

What are the tax implications?

What is Withholding Tax?

How will Withholding Tax be deducted?

Do I pay tax to the Australian Taxation Office or IRD?

What is a Foreign Tax Credit?

How do I apply for a Foreign Tax Credit?

What type of information will I get to assist me in completing my tax return?

What if I have closed my Blossom account but still need access to my statements?

Can I have help preparing my Capital Gains Tax Statement?

How much Withholding Tax will I have to pay?

Taxes

What is a Blossom Kids account?

How do I open a Kids account?

Who can open a Blossom Kids account? 

How many Kids accounts can I open?

How do I fund my Kids account?

How do I link a bank account to my Kids account? 

Who can fund a Blossom Kids account?

Can my kid access the Blossom Kids account?

Can I handover the Blossom Kids account to my child when they turn 18? 

What about tax for Blossom Kids? 

Can I have an Individual, Joint or Business account as well as a Kids account?

Blossom Kids

I'm trying to link my bank account and it says 'cannot validate account holder'. What should I do?

Is there a minimum investment?

I recently changed banks - can I change my funding account?

How long does it take to transfer funds into my Blossom account?

Why haven't I received my referral bonus?

When will my funds land? Why are my funds not in my account?

Why has my direct debit request failed?

Can someone else send funds to my Blossom account?

How do I fund my Blossom account?

Is there a maximum investment?

How do I transfer to my Blossom account using Direct Debit?

How do I cancel pending direct debits?

Why were my transfers to Blossom returned?

I received a message saying “one of your payments needs verifying” - what does this mean?

Can I set up recurring payments?

Funding my Account

How do I switch between Blossom Save, Blossom Plus and Blossom Grow?

How do I switch between Blossom Plus and Blossom Save?

Is there a fee to switch my funds?

When will my switch be processed? Is switching instant?

Do I need to withdraw my funds to switch between accounts?

Is there a minimum balance to switch my funds?

What happens to my earnings when I switch?

Can I cancel a switch request after I’ve made it?

I have a pending withdrawal – can I still switch?

Switching Units

What is Blossom Grow?

Is Blossom Grow for me?

Can I withdraw funds from Blossom Grow when I need them?

Is there a minimum investment for Blossom Grow? 

Is there a maximum investment for Blossom Grow?

Is there a minimum monthly top up for Blossom Grow?

Do I receive earnings on the funds I have requested to be withdrawn?

Blossom Grow

I can't make a withdrawal; my app isn't working - what do I do?

Can I withdraw funds from Blossom Save when I need them?

Can I withdraw funds from Blossom Plus when I need them?

How do I cancel pending withdrawals?

There was an error with my withdrawal. What should I do?

How do withdrawals work? When will my withdrawal be processed?

Can I request a partial withdrawal?

Withdrawals

What is Blossom Plus?

Is Blossom Plus for me?

Is there a minimum investment for Blossom Plus?

Is there a maximum investment for Blossom Plus?

Is there a minimum monthly top up for Blossom Plus?

Blossom Plus

How do I ensure my Blossom account is protected?

Is my account secure with Blossom?

I have a problem with the app

Where is Blossom App based?

How do I change my name?

How do I change my address?

I want to close my account

Why does Blossom need my bank account number?

I received this error 403 message - what does this mean?

I am not receiving the SMS verification code to login - what do I do?

Account security

Guide

Blossom App

Answers are general in nature only and do not take into account your personal objectives, financial situation or needs. Refer to the [PDSs](https://www.blossomapp.com/documents), [TMDs](https://www.blossomapp.com/documents) and [FAQs](https://www.blossomapp.com/documents) for further information.

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