Before transferring assets, compare the bonus tier against the deposit amount, required hold period, transfer fees, and whether IRA or taxable accounts qualify.
✓Deposits must be maintained for 3 years after reward date to avoid early removal fees
✓Minimum deposit of $2,500
✓Deposits must be completed within 45 days of account opening
✓Deposits must remain in account for 3 years to avoid early removal fee
✓Minimum $2,500 net qualified deposits to receive any bonus
✓Deposits must be completed within 45 days of enrollment
✓Qualified deposits include new funds, rollovers, and external transfers
✓Must enroll by clicking offer link in email, app, or on website
✓Deposits must be made within 45 days of enrollment
✓Eligible for account opening link enrollment by April 30, 2026 at 11:59:59 PM ET
✓Minimum net qualified deposit of $2,500
✓Deposits must be from external accounts (new funds, rollovers, transfers from external IRAs)
✓Minimum $2,500 net deposit to receive any bonus
✓Deposits must be to individual taxable managed investing accounts or IRA accounts (traditional, Roth, or SEP)
✓Deposits include rollovers and external transfers
✓Internal transfers from Betterment Cash Reserve or Checking are not eligible
✓Minimum net deposits of $2,500 within 45 days of enrollment
✓Deposits must be net qualified deposits (new funds, rollovers, or transfers from external accounts)
✓Internal transfers from Betterment Cash Reserve or Checking accounts do not count
✓Minimum $2,500 deposit required to earn bonus
✓Deposit/rollover into individual investing accounts (including IRAs) within 45 days of account opening
✓Open an individual investing account (including Roth IRA, Traditional IRA, or SEP IRA)
✓Deposit minimum $2,500 within 45 days of enrollment
✓Minimum $2,500 deposit to receive any reward
✓Deposits must be from external sources (rollovers, external transfers, new funds)
✓Enroll by April 30, 2026
✓Minimum $2,500 net qualified deposits within 45 days of enrollment
✓Deposits must be from external accounts (not internal Betterment transfers)
✓Minimum $2,500 net deposit to earn any bonus
✓Deposits into individual taxable or IRA accounts only
✓Qualified deposits must be from external sources (not internal transfers from Cash Reserve or Checking)
✓Must complete deposit within 45 days of enrollment
✓Minimum net deposit of $2,500 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)
⚠New customers only (including existing Betterment customers with zero balance in investing accounts as of January 1, 2026)
⚠Individual Taxable and IRA accounts only
⚠New customers only (or existing Betterment customers with $0 balance in all investing accounts as of January 1, 2026)
⚠Deposits must be qualified deposits (new external funds, rollovers, transfers from external accounts)
⚠Does not apply to Betterment Advisor Solutions clients
⚠One per customer
⚠New managed investing customers only, including existing Betterment customers with only Cash Reserve, Checking, self-directed investing, and/or Betterment at Work 401(k) accounts
⚠Existing Betterment customers with $0 balance in all investing accounts as of January 1, 2026
⚠Not available to Betterment Advisor Solutions advised clients
⚠Not available for joint and trust investing accounts, self-directed investing accounts, Cash Reserve accounts, or 401(k) accounts
⚠New Betterment customers only (includes existing customers with zero balance in managed investing accounts as of January 1, 2026)
⚠Individual taxable and IRA accounts only (Traditional, Roth, SEP IRAs eligible)
⚠Not available for joint, trust, self-directed, or 401(k) accounts
⚠New customers only (including existing Betterment customers with zero balance in managed investing as of Jan 1, 2026)
⚠Individual accounts only (no joint or trust accounts)
⚠Current Betterment customers with only Cash Reserve, Checking, self-directed investing, and/or Betterment at Work 401(k) accounts are eligible
⚠Existing Betterment customers with $0 balance in all investing accounts as of January 1, 2026 are eligible
⚠Not available for deposits into self-directed investing accounts
⚠New managed investing customers only (including current Betterment customers with only a Cash Reserve, Checking, self-directed investing, and/or Betterment at Work 401(k) account, and existing Betterment customers with a $0 balance in all investing accounts as of January 1, 2026)
⚠Not available for joint and trust investing accounts or self-directed investing accounts
⚠Cannot combine with other signup offers
⚠Not available to Betterment at Work 401(k) clients or Betterment Advised clients
⚠Individuals and IRAs only
⚠New customers only or existing Betterment customers with $0 balance as of Jan 1, 2026
⚠Individual investing accounts only (includes traditional, Roth, SEP IRAs and taxable accounts)
⚠New customers only (or existing customers with only Cash Reserve/Checking, self-directed investing, or at Work 401(k))
⚠Available to U.S. residents only
⚠Individual taxable and IRA accounts only (not joint or trust accounts)
⚠New investing customers or existing customers with $0 balance in all investing accounts as of January 1, 2026
⚠New customers only or existing customers with $0 balance in all investing accounts as of January 1, 2026
⚠Not available to new clients transferring funds in anticipation of acquisition
Early Removal Fee is a non-taxable fee equal to the difference between the original reward and the reward applicable to remaining deposits
Deposits that are withdrawn within the 3-year hold period may forfeit portions of the bonus
Internal transfers between Betterment accounts do not qualify as new deposits
Deposits from Betterment Cash Reserve into investing accounts are not qualified deposits
Early Removal Fee is calculated as the difference between the original Investing Reward received and the reward applicable to remaining net deposits, up to the total Investing Reward
Reward is non-taxable fee paid as payment for Betterment services
Not valid with other investing offers
Reward is non-transferrable
Internal transfers between Betterment accounts (Cash Reserve, Checking to investing) do not qualify as Qualified Deposits
If depositing into multiple accounts, reward is deposited in this priority: Roth IRA, Traditional IRA, SEP IRA, then highest balance taxable account
Reward is treated as interest in IRA accounts and does not count toward annual IRA contribution limits
Qualified deposits include external transfers, rollovers, and new cash deposits
Internal transfers from Cash Reserve or Betterment Checking do not qualify
Reward is treated as interest income for tax reporting purposes
Fee structure: if withdrawn early, fee equals the difference between original reward and reward applicable to remaining deposits, up to the full reward amount
After 3-year holding period, deposits can be withdrawn penalty-free
Early Removal Fee applies if deposits or rewards are withdrawn before 3-year hold period expires
If funds are withdrawn during holding period, the bonus may be forfeited
Internal transfers from Betterment Cash Reserve or Checking accounts do not count as qualified deposits
Bonus is treated as interest for tax purposes
Early Removal Fee applies if funds are withdrawn before 3-year holding period ends
Early Removal Fee is proportional to amount withdrawn relative to original deposit
Market gains and subsequent deposits made during holding period reduce Early Removal Fee
Reward is deposited in priority order: Roth IRA, Traditional IRA, SEP IRA, then highest balance individual taxable account
If you withdraw or transfer funds below the $2,500 minimum net deposit amount, the full reward is deducted
Early removal of funds during the 3-year holding period may trigger an Early Removal Fee equal to the difference between your original reward and the reward applicable to remaining deposits
The Early Removal Fee will not exceed the reward amount received
For IRAs, the reward does not count toward annual contribution limits
Deposits must be calculated as net qualified deposits (original deposits minus any withdrawals)
Early withdrawal within 3-year hold period triggers early removal fees
Reward is treated as interest if deposited into IRA; does not count toward annual IRA contribution limits
If depositing into multiple account types, reward deposits into priority order: Roth IRA, Traditional IRA, SEP IRA, then highest balance individual taxable account
Deposits must remain in account for 3 years or an Early Removal Fee applies, calculated based on remaining deposit amount
Early Removal Fee = Original Reward - Reward Value of Remaining Deposits (capped at original reward amount)
Reward is deposited in priority order: Roth IRA, Traditional IRA, SEP IRA, then taxable account
Early withdrawal before 3-year hold may result in Early Reward Removal Fee equal to the difference between reward earned and reward applicable to remaining balance
Reward treated as interest income for tax purposes
For IRA conversions, reward may be taxable income
Reward deposited to Roth IRA (if available), then Traditional IRA, SEP IRA, or highest balance taxable account
Deposits must be held for 3 years; if withdrawn earlier, Early Removal Fee reduces reward based on remaining net deposits
As long as deposits held for full 3 years, reward is yours to keep
Market gains and subsequent deposits increase withdrawal allowance
Not available with other signup offers
ACATS transfers subject to additional fee
Reward is delivered to highest priority eligible account: Roth IRA > Traditional IRA > SEP IRA > highest balance taxable > other taxable
Reward is treated as interest in IRA accounts and does not count toward contribution limits
Not combinable with other signup offers or Self-Directed Investing Bonus
Reward applies to net deposits only, less any withdrawals before reward date
Must maintain deposits for 3 years after reward date to keep bonus
Internal transfers within Betterment accounts are allowed without penalty
Deposits must originate from external accounts (not internal Betterment transfers)
Early removal fee will not exceed the reward amount received
Enrollment deadline is 11:59:59 PM ET on April 30, 2026
