Referral offer Get up to 4.25% variable APY
Join Betterment and get up to 4.25% variable APY for 3 months with a qualifying deposit.
Your friend sent you a limited time offer for an extra +.75% APY boost for balances up to $150k. Terms apply
You must click below to be enrolled in this promotion.
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Earn a higher APY.
Grow your savings with an APY 11x the national average. -
$2 million insured.
Rest easy with FDIC insurance up to $2 million ($4 million for joint accounts) with our program banks. That's 8X what most firms offer. -
Unlimited withdrawals. No fees.
Compare this to other banks that limit how often you can access your money. -
No minimum balance.
Other institutions offer higher interest rates based on a larger balance—you can grow your money with us for as little as $10.
One place for all your money.
Betterment offers you a place to grow your savings, build wealth with automated investing, and save for retirement—all on one app.
We can’t control the ups and downs of the market, but you can have confidence we’re doing right by you and your investments.
We’re a fiduciary.
We are an SEC-registered investment advisor, which means we’re legally bound to put your interests first when investing your money.
Member of SIPC.
Member of SIPC, which protects securities customers of its members up to $500,000 (including $250,000 for claims for cash). Explanatory brochure available upon request or at www.sipc.org.
Fees in line with service.
No commissions or upsell. We’re motivated by what’s best for you, our fees are tied to how your account grows.
Optimize your cash today. Start saving for tomorrow.
Set money aside for what matters to you. Create multiple savings goals and use our automated tools to help you achieve them.
Join 1 million+ customers who trust us with $65 billion+ of their money.