Firstmac Money vs Pearler Headstart
Price, ratings, monetisation and update history for both apps, side by side β with what reviewers say about each.
Firstmac Money
Manage your finances on the go. View account balances, transaction history, and transfer funds. Instantly activate debit cards, manage loan repayments, and pay bills securely within the app.
- View account balances
- Transaction history
- Money transfers
- Bill payments
- Debit card management
- Loan repayment management
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Top features β’ See your balance, access your accounts, transfer money and pay bills β’ View your account transaction history β’ Instantly activate, and change your PIN on your debit card β’ Manage your loan repayments or change your transfer limit β’ Access and edit your Biller and Pay Anyone lists β’ Download your transactions in multiple formats β’ Multiple contact forms to request specific changes to your accounts β’ Messaging Service to contact us directly via the app Firstmac Money is secure and can only be accessed with your Access Code. All data is protected with high-grade encryption.
Pearler Headstart
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Pearler Headstart is an investing app designed for Aussie parents to give their kids a financial head start. No matter how small you begin, kids have time on their side to let the power of compounding do the work. So let's get them started! Invest to suit their age. Like small regular allowances, birthday cash, even rounding up your spare change⦠right through to when they earn their first casual pay and beyond. A BIT ABOUT PEARLER We've helped over 100 thousand Aussies invest $3.5 billion (yes BILLION!) dollars, mainly into low cost ETFs, with our easy automatable investing app. We offer ASX and US shares alongside a range of wealth building tools and education, all focused on maintaining that long term mindset. HOW DOES HEADSTART WORK We had so many people ask us to help them invest for their kids, we decided to launch an app designed for adults to share the magic of investing. With this simplified app you can give kids a glance at how their mini portfolio is going as well as track progress to those big life goals. Pearler Headstart is a regulated managed fund that holds ETFs for you to make micro investing possible. This financial product is issued by Melbourne Securities Corporation Limited (ACN 160 326 545 AFSL 428 289). It's important to read the PDS and TMD and you can find out more about us at Pearler.com. Want direct ASX shares instead? Try Pearler Shares. IMPORTANT THAT YOU READ The information on this website is prepared by Pearler Investments Pty Ltd t/a Pearler ACN 625 120 649 who is an authorised representative (AR No. 1281540) of Sanlam Private Wealth Pty Ltd ACN 136 960 775 (Australian Financial Services Licence No. 337927). At pearler, we strive to make investing for your long term goals easier and fun, but we only provide general information and/or general advice. We don't present you any options based on your personal objectives, circumstances, or financial needs, nor do we use your preferences or search history to tailor your user experience. Any advice is of a general nature only. It's important that you are aware that when investing, your invested capital is at risk. All investments carry risk. You may lose some or all of your money invested. Before making any investment decision, please consider if it's right for you and seek appropriate taxation and legal advice. Please view our Financial Services Guide before deciding to use or invest on pearler. The financial products described on this website in relation to Pearler Investors Fund (Micro or Headstart) will be issued by Melbourne Securities Corporation Limited (ACN 160 326 545 AFSL 428 289), as disclosed in the relevant PDS. You should also read the TMD which describes who the financial products mentioned herein may be appropriate for. All information is general information only and does not consider your personal circumstances, financial situation or needs. Before making a financial decision, you should read the PDS and consider whether the product is right for you and whether you should obtain advice from a professional financial adviser. Pearler Headstart is an app designed for Aussie adults to show their kids. It uses the same managed fund as Pearler Micro, but in an app designed for parents to invest for their kids. The Pearler Investors Fund holds ETFs to make micro investing possible. The Pearler Investors Fund is issued by Melbourne Securities Corporation Limited (ACN 160 326 545 AFSL 428 289). It's important to read the PDS and TMD, as well as the last financial statement.
Screenshots
Verdict
The clearest difference is iOS requirement: Firstmac Money at 13.0 against Pearler Headstart's 16.4. On price, update cadence, ads and in-app purchases there is nothing between them.
Scored on Price Β· Rating Β· Positive reviews Β· Number of ratings Β· Update frequency Β· Ads Β· In-app purchases Β· Monetization Β· Best chart rank Β· Devices Β· Requires iOS
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
Firstmac Money ships an update every 3 weeks, Pearler Headstart fortnightly. The most recent releases landed on November 3, 2026 and October 31, 2026 respectively.
| Parameter | Firstmac Money | Pearler Headstart |
|---|---|---|
| Price | Free | Free |
| Positive reviews | 12.5% of reviews | β |
| Update frequency | Every 3 weeks | Fortnightly β better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | β |
| Devices | iPhone, iPad, iPod β better | iPhone, iPad |
| Requires iOS | 13.0 β better | 16.4 |
| Further details β not scored | ||
| Size | 83 MB | 52 MB |
| Age rating | 4+ | 4+ |
| Developer | FirstMac | Pearler Investments |
In-app purchases
Firstmac Money
No in-app purchases
Pearler Headstart
No in-app purchases
Questions
Is Firstmac Money free?
Is Pearler Headstart free?
Do Firstmac Money or Pearler Headstart have ads?
Which is updated more often, Firstmac Money or Pearler Headstart?
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