What makes this brokerage offer different
This brokerage offer is transfer-oriented, so the practical value depends on the asset tier, transfer friction, and required hold period.
Brokerage
Betterment Investing Bonus — Up to $1,000
Sign up for Betterment Investing Bonus and earn up to $1,000 in bonus rewards.
Bonus Tiers
| Deposit | Bonus |
|---|---|
| $2,500 | $100 |
| $10,000 | $125 |
| $25,000 | $150 |
| $50,000 | $300 |
| $100,000 | $750 |
| $200,000 | $1,500 |
Hold Period
3 years
Qualifying Period
45 days
Payout
Around 45 days from enrollment
Requirements
- ✓Open an eligible managed investing account
- ✓Complete a qualified deposit (new funds, rollovers, or external transfers) within 45 days of enrollment
- ✓Minimum net deposit of $2,500 to receive any bonus
- ✓Minimum $1,000 net qualified deposit
- ✓Deposit must be completed within 45 days of enrollment
- ✓Eligible accounts: individual taxable managed investing accounts and IRAs (traditional, Roth, SEP)
- ✓Open individual managed investing account (taxable or IRA)
- ✓Complete qualified deposit from external source (not internal Betterment transfers)
- ✓Maintain deposits for 3-year holding period to avoid early removal fee
- ✓Deposit must be made within 45 days of enrollment
- ✓Minimum $1,000 net deposit within 45 days of account opening
- ✓Individual or IRA investing account (Roth IRA, Traditional IRA, SEP IRA, or taxable)
Restrictions
- ⚠New managed investing customers only (including existing Betterment customers with only Cash Reserve/Checking, or zero balance as of May 1, 2026)
- ⚠Individual taxable managed investing accounts and IRA accounts only
- ⚠Not available for joint, trust, self-directed investing accounts, or Betterment at Work 401(k) accounts
- ⚠Not available for Betterment Advisor Solutions clients
- ⚠U.S. residents only
- ⚠New managed investing customers only
- ⚠Not available for joint or trust investing accounts
- ⚠Not available for self-directed investing accounts
- ⚠New customers only (new investing clients, unfunded existing clients, inactive 401(k) participants)
- ⚠Available to U.S. residents only
- ⚠Minimum deposit $1,000 required
- ⚠Not available for joint/trust accounts, self-directed investing, or 401(k) accounts
- ⚠New investing customers only
- ⚠Not available to Betterment at Work 401(k) clients
- ⚠Not available for joint and trust investing accounts
- ⚠Not available to Betterment at Work 401(k) plan clients
Fees
- Early withdrawal fee applies if funds withdrawn before 3-year hold period
- Early removal fee applies if deposits withdrawn before 3-year holding period
- Early Removal Fee applies if deposits/rewards withdrawn before 3-year holding period
- Early Removal Fee applies if deposits are withdrawn before 3 years; fee equals the difference in reward tiers
- Transfers between eligible accounts within 3 years do not trigger early removal fee
- Offer not valid with other investing offers; non-transferable
- Internal transfers from Cash Reserve or Checking accounts do not count as qualified deposits
- Reward treated as interest for tax reporting purposes
- Qualified deposits include rollovers and external transfers; internal Betterment transfers do not qualify
- Bonus deposited in priority order: Roth IRA, Traditional IRA, SEP IRA, then highest balance taxable account
- Early removal fee equals the difference between reward tier at original deposit vs. remaining deposit amount
- Reward varies based on net qualified deposits (less withdrawals) at 45-day mark
- Internal transfers from Cash Reserve/Checking are not qualified deposits
- Deposits into joint/trust accounts, self-directed, or Cash Reserve are not eligible
- Not valid with other signup offers or Self-Directed Investing Bonus
- Reward deposits follow priority: Roth IRA, Traditional IRA, SEP IRA, then taxable
- Early removal fee applies if deposits withdrawn before 3-year holding period ends
- Reward deposited into eligible accounts in priority order: Roth IRA, Traditional IRA, SEP IRA, then highest balance taxable account
- Bonus is taxable income
- Deposits must remain for 3 years or an Early Removal Fee is charged
- Fee is pro-rated based on remaining net deposit amount
- Subsequent market gains allow penalty-free withdrawal before 3 years
- Reward is deposited in priority order: Roth IRA, Traditional IRA, SEP IRA, then taxable account
ExpiredOffer expired December 30, 2025
Last updated July 6, 2026
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How to evaluate Betterment Investing Bonus
Before transferring assets, compare the bonus tier against the deposit amount, required hold period, transfer fees, and whether IRA or taxable accounts qualify.
Qualification checklist
Timing
- Qualifying period
- 45 days
- Payout timeline
- Around 45 days from enrollment
- Hold period
- 3 years
How to qualify
- Open an eligible managed investing account
- Complete a qualified deposit (new funds, rollovers, or external transfers) within 45 days of enrollment
- Minimum net deposit of $2,500 to receive any bonus
- Minimum $1,000 net qualified deposit
Common pitfalls
- New managed investing customers only (including existing Betterment customers with only Cash Reserve/Checking, or zero balance as of May 1, 2026)
- Individual taxable managed investing accounts and IRA accounts only
- Not available for joint, trust, self-directed investing accounts, or Betterment at Work 401(k) accounts
- Not available for Betterment Advisor Solutions clients
What makes this offer different
Bonus value versus similar offers
The sign-up bonus is below the current nearby $7,500 median, so the requirements and any referral or portal stack matter more.
Requirement clarity
Credolix has extracted 4 requirements for this offer, so compare the bonus against the actual steps rather than the headline payout alone.
Frequently Asked Questions
When does Betterment Investing Bonus expire?
Betterment Investing Bonus expires on December 30, 2025.
How long do I have to qualify for Betterment Investing Bonus?
The qualifying period listed for Betterment Investing Bonus is 45 days.
When does Betterment Investing Bonus pay out?
The payout timeline listed for Betterment Investing Bonus is Around 45 days from enrollment.
How long do I need to keep funds or the account for Betterment Investing Bonus?
The hold period listed for Betterment Investing Bonus is 3 years.
