Betterment vs Charles Schwab: Brokerage Bonus Comparison

Updated April 2026 — See which brokerage bonus is better for you.

Betterment Brokerage Bonus — Up to $1,500

$1,500 bonus

Hold Period: 3 years
Qualifying Period: 45 days
Requirements: Minimum net deposit of $1,000 within 45 days of enrollment; Individual managed investing account (taxable, Roth IRA, Traditional IRA, or SEP IRA); Deposit of new funds (rollovers and external transfers qualify)
Expires: April 30, 2026

$1,000 bonus

Hold Period: 1 year
Qualifying Period: 45 days
Requirements: Open eligible retail brokerage account or IRA; Make qualifying net deposit within 45 days; Maintain net deposit (less market losses) for one year in taxable accounts; Deposits in Schwab One account

Betterment offers a higher bonus ($1,500 vs $1,000). However, be sure to compare hold periods and requirements before deciding.