What’s the Tiered Rollover Reward?

The Tiered Rollover Reward is a cash reward based on an investing customer’s net rollover amount into eligible IRA accounts in their first 60 days after enrollment in the offer. Only rollovers into your new or existing Roth, Traditional, or SEP IRA accounts are eligible for the promotion. This only includes rollovers to IRA accounts from an external account.

Who is eligible for the Betterment Q1 2025 Tiered Rollover Reward?

This offer is only available to current Betterment customers who have or who open one or more Betterment IRA accounts (Roth, traditional, and/or SEP) and who rollover funds from an external account. This offer is not available to taxable investing accounts, 401(k) accounts, Inherited IRAs, and IRAs managed with a third-party Advisor through the Betterment Advisor Solutions platform.

What is my enrollment date?

For current Betterment customers, enrollment date is defined as the date on which a link to the offer is clicked either via email or message in the Betterment application.

Final cash rewards are determined based on eligible net rollover amounts across all IRA accounts at the 60day mark following enrollment. The maximum reward is $1,000. Cash payout by deposit amount are listed below: Total Net Qualified Deposits (incl. Rollovers)* Total Cash Reward** $40,000–$74,999 $150 $75,000–$124,999 $300 $125,000–$174,999 $500 $175,000+ $1000 *The minimum amount of net deposits to receive a reward is $40,000. **Reward amounts not cumulative.

When will I receive the cash reward?

You’ll receive the full value of your cash reward on or around 60 days from your enrollment date. If you roll over into multiple IRA accounts, the reward will be deposited into an open and funded IRA account in the following priority order: Roth IRA, followed by Traditional IRA, followed by SEP IRA. EX: If you roll over $20,000 into a Roth IRA account and $20,000 into a traditional IRA account, you will receive $150 deposited into your Roth IRA.

Do I get to keep my reward if I withdraw money from my IRA accounts?

Keeping the Cash Reward after withdrawing funds from your IRA accounts depends on how much you’re withdrawing and how much you’ve rolled over into your IRA account since receiving the reward. As long as you’ve held the deposits for at least three years, the full reward is yours to keep. For example, if you originally rolled over $60,000 during the offer period and received a Cash Reward of $150 on April 30, 2025, you can withdraw all of it (including the $150 reward) on or after April 30, 2028 ...

Are there fees if I transfer funds from my investing account out of Betterment?

Yes, this transfer would be subject to an early reward removal fee if the amount you’re transferring meets the criteria. ACATS transfers are also subject to a separate fee.

If I open a new IRA, does the reward count towards my annual IRS contribution limit?

No. The reward is treated as interest in your IRA and doesn’t count toward your annual IRA contribution limits.

Betterment Q1 2025 Tiered Rollover Reward Faq

Offer Details

The Tiered Rollover Reward is a cash reward based on an investing customer’s net rollover amount into eligible IRA accounts in their first 60 days after enrollment in the offer. Only rollovers into your new or existing Roth, Traditional, or SEP IRA accounts are eligible for the promotion. This only includes rollovers to IRA accounts from an external account.
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This offer is only available to current Betterment customers who have or who open one or more Betterment IRA accounts (Roth, traditional, and/or SEP) and who rollover funds from an external account. This offer is not available to taxable investing accounts, 401(k) accounts, Inherited IRAs, and IRAs managed with a third-party Advisor through the Betterment Advisor Solutions platform.
Read More
Final cash rewards are determined based on eligible net rollover amounts across all IRA accounts at the 60day mark following enrollment. The maximum reward is $1,000. Cash payout by deposit amount are listed below: Total Net Qualified Deposits (incl. Rollovers)* Total Cash Reward** $40,000–$74,999 $150 $75,000–$124,999 $300 $125,000–$174,999 $500 $175,000+ $1000 *The minimum amount of net deposits to receive a reward is $40,000. **Reward amounts not cumulative.
Read More
You’ll receive the full value of your cash reward on or around 60 days from your enrollment date. If you roll over into multiple IRA accounts, the reward will be deposited into an open and funded IRA account in the following priority order: Roth IRA, followed by Traditional IRA, followed by SEP IRA. EX: If you roll over $20,000 into a Roth IRA account and $20,000 into a traditional IRA account, you will receive $150 deposited into your Roth IRA.
Read More
Keeping the Cash Reward after withdrawing funds from your IRA accounts depends on how much you’re withdrawing and how much you’ve rolled over into your IRA account since receiving the reward. As long as you’ve held the deposits for at least three years, the full reward is yours to keep. For example, if you originally rolled over $60,000 during the offer period and received a Cash Reward of $150 on April 30, 2025, you can withdraw all of it (including the $150 reward) on or after April 30, 2028 ...
Read More