✓Complete qualified deposit of at least $2,500 within 45 days of enrollment
✓Maintain deposits for 3-year holding period to keep full bonus
✓Minimum net deposit of $2,500
✓Deposit into eligible individual taxable or IRA accounts
✓Complete deposit within 45 days of account opening
✓Open an individual managed investing account
✓Complete a qualified deposit within 45 days of enrollment
✓Maintain deposits for 3 years to retain the full bonus
✓Open an individual managed investing account (taxable, Roth IRA, Traditional IRA, or SEP IRA)
✓Make qualifying deposits within 45 days of enrollment
✓Deposits must settle before deadline (2-3 business days)
✓Minimum deposit of $1,000 to qualify
✓New funds, rollovers, or external transfers required
✓Internal transfers from Cash Reserve or Checking do not qualify
✓Enroll in offer by August 31, 2026
✓Open an individual Betterment managed investing account
Restrictions
⚠New customers only (including existing Betterment customers with only Cash Reserve, Checking, self-directed, or 401(k) accounts)
⚠Individual managed investing accounts only (taxable, Traditional IRA, Roth IRA, or SEP IRA)
⚠Minimum $2,500 net deposits required
⚠New customers only (or existing customers with $0 balance in investing accounts as of January 1, 2026)
⚠Must enroll by April 30, 2026
⚠New customers only (or existing customers with $0 balance in managed investing accounts as of May 1, 2026)
⚠Individual taxable managed investing accounts and IRA accounts only (not joint, trust, self-directed, or Cash Reserve accounts)
⚠Minimum $1,000 net deposit to receive any bonus
⚠New managed investing customers only
⚠Minimum deposit $2,500 to qualify
⚠Not available for joint or trust accounts
⚠Not available for Betterment Advisor Solutions clients
⚠Not available for self-directed investing accounts
⚠New managed investing customers only (includes existing Betterment customers with only Cash Reserve, Checking, self-directed, or 401(k) accounts, or with $0 balance in investing accounts as of May 1, 2026)
⚠Not available to Betterment Advisor Solutions clients
⚠Not available for joint and trust investing accounts
Only individual taxable accounts and IRAs (traditional, Roth, SEP) eligible
Fees
Early Removal Fee applies if withdrawing from eligible accounts before end of 3-year holding period
$75 outbound transfer fee per investing account
$0 account opening fee
$0 account fee
Early Removal Fee applies if funds withdrawn/transferred before 3-year holding period (fee amount equals the difference in reward tiers)
Digital advisory fee: 0.25% annually for accounts $24,000+ or with $200+ monthly recurring deposits; $5/month for accounts under $24,000 without recurring deposits
Early Removal Fee applies if funds are withdrawn during 3-year hold period
Early removal fee applies if funds or reward withdrawn/transferred before 3-year hold period
Early Removal Fee applies if funds or rewards transferred prior to 3-year hold period
Early Removal Fee applies if funds withdrawn before 3-year holding period ends
Early removal fee applies if deposits withdrawn before 3-year hold period ends
Early Removal Fee applies if funds are withdrawn before 3-year hold period
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
Bonus amount varies based on net qualified deposits after any withdrawals prior to reward date
Reward is delivered on or around the last day of the offer period
If deposits are withdrawn before 3 years, bonus is adjusted proportionally to remaining net deposit balance
Internal transfers within Betterment (e.g., between IRAs) do not trigger early removal fee if minimum balance maintained
Early Removal Fee applies if funds withdrawn before 3-year hold period
Only individual taxable and IRA accounts eligible (not joint, trust, or self-directed)
Deposits must settle (typically 2-3 business days) within 45-day period
Early withdrawal of deposits during the 3-year hold period results in an Early Removal Fee equal to the bonus amount (up to the amount withdrawn)
Transfers between eligible accounts do not incur Early Removal Fee and maintain hold period requirements
Reward is deposited in priority order: Roth IRA, Traditional IRA, SEP IRA, then highest balance taxable account
Existing clients must not have received a Betterment Investing Reward since January 1, 2026
If deposits are withdrawn before the 3-year hold period ends, an early removal fee applies equal to the difference in bonus tiers
Bonus is deposited into priority order: Roth IRA, Traditional IRA, SEP IRA, then highest balance taxable account
Bonus is forfeited if net deposits fall below the original tier threshold prior to the Reward Date due to withdrawals
3-year holding period applies to the bonus; withdrawals before holding period ends may result in forfeiture
Net deposits rounded down to nearest whole dollar
Settlement time typically 2-3 business days
If depositing into multiple accounts, reward deposited in priority order: Roth IRA, Traditional IRA, SEP IRA, then taxable account
Rollovers and external transfers count as qualified deposits
Early removal fee applies if funds withdrawn within 3-year holding period
Net deposits are deposits minus withdrawals made prior to reward date
Joint and trust accounts, self-directed accounts, and Cash Reserve accounts not eligible
Before transferring assets, compare the bonus tier against the deposit amount, required hold period, transfer fees, and whether IRA or taxable accounts qualify.
✓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)
⚠
⚠Includes current Betterment customers with only Cash Reserve, Checking, self-directed investing, and/or 401(k) accounts
⚠Only net deposits into individual taxable accounts and IRA accounts eligible
⚠No joint or trust investing accounts
⚠Cannot withdraw deposits without forfeiting bonus until 3 years have passed
⚠New customers only
⚠Eligible individual taxable accounts and IRA accounts only
⚠Minimum $2,500 net deposit required
⚠New customers only (including existing customers with $0 balance in investing accounts as of Jan 1, 2026)
⚠Individual taxable investing accounts and IRA accounts only
⚠Not available for joint/trust investing accounts, self-directed investing accounts, or Betterment at Work 401(k)
⚠U.S. residents only
⚠One reward per customer since Jan 1, 2026
⚠Offer available to new customers, unfunded existing customers, and eligible existing customers who have not received a reward since January 1, 2026
⚠Individual managed investing accounts only (taxable, Roth IRA, Traditional IRA, SEP IRA)
⚠New clients only, or existing clients with $0 balance in managed investing accounts as of May 1, 2026
⚠Not available for joint or trust investing accounts
⚠Not available for clients transferring funds in anticipation of acquisition
⚠New Betterment customers only (including current customers with only Cash Reserve/Checking accounts, or with $0 balance in investing accounts as of January 1, 2026)
⚠Includes current Betterment customers with only Cash Reserve, Checking, self-directed investing, or Betterment at Work 401(k)
⚠Existing customers with $0 balance in all investing accounts as of January 1, 2026
⚠Not available for joint/trust investing accounts, self-directed investing, or Betterment at Work 401(k) accounts
⚠New customers and unfunded/eligible existing customers only
⚠Individual taxable and IRA accounts only
⚠Not available for joint, trust, self-directed accounts
⚠New managed investing customers only (or existing Betterment customers with $0 balance in all investing accounts as of January 1, 2026)
⚠Only individual taxable accounts and individual IRAs eligible
⚠Not available for joint, trust, or self-directed investing accounts
⚠Not available for Betterment at Work 401(k) accounts
⚠Current Betterment customers with only Cash Reserve, Checking, self-directed investing, or Betterment at Work 401(k) accounts are eligible
⚠Existing customers with $0 balance in all investing accounts as of January 1, 2026 are eligible
⚠Not available for individual 401(k) accounts
⚠New customers and existing customers with zero balance as of January 1, 2026
⚠Not available for self-directed, Betterment at Work 401(k), or Betterment Advisor Solutions accounts
⚠Current Betterment customers with only Cash Reserve, Checking, self-directed investing, or Betterment at Work 401(k) accounts eligible
⚠Existing customers with $0 balance in all managed investing accounts as of January 1, 2026 eligible
⚠Not available to Betterment Advisor Solutions advised clients
⚠Current Betterment customers with only Cash Reserve, Checking, self-directed investing, and/or Betterment at Work 401(k) accounts eligible
⚠Existing Betterment customers with $0 balance in all investing accounts as of May 1, 2026 eligible
⚠Also available to existing clients with $0 balance as of May 1, 2026, or those without an investing account
⚠Not available for joint or trust accounts, self-directed investing accounts, or 401(k) 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
⚠New customers only (including existing Betterment customers with $0 balance in investing accounts as of May 1, 2026)
⚠Individual managed investing accounts only (taxable or IRA)
⚠New customers only (includes existing customers with $0 balance in all investing accounts as of January 1, 2026, or those with only Cash Reserve/Checking/self-directed accounts)
⚠Not available for joint and trust accounts
⚠New customers only (including existing Betterment customers with zero balance in managed investing accounts as of January 1, 2026, or those without any managed investing account)
⚠Deposits must be net qualified deposits (less any withdrawals before reward date)
⚠Only eligible for individual taxable managed investing accounts and IRA accounts
⚠Not available for joint accounts, trust accounts, self-directed investing, or Betterment at Work 401(k) accounts
⚠Existing customers with zero balance in investing accounts as of May 1, 2026
⚠Existing customers without any managed investing retail account
⚠Individual managed investing accounts only
⚠Not available to Betterment at Work 401(k) plan clients or Betterment Advisor Solutions clients
⚠Current customers with only Cash Reserve, Checking, self-directed investing, and/or Betterment at Work 401(k) accounts eligible
⚠Existing customers with $0 balance in all investing accounts as of January 1, 2026 eligible
⚠Minimum $2,500 deposit required
⚠New managed investing customers only (includes existing Betterment customers with only Cash Reserve/Checking/self-directed/401k accounts, or with $0 balance in investing accounts as of January 1, 2026)
⚠Individual taxable and IRA accounts only (excludes joint, trust, self-directed investing, and 401k accounts)
⚠New managed investing customers only (including current 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
⚠Only eligible for individual taxable managed investing accounts and IRA accounts (not joint/trust accounts)
⚠Includes current Betterment customers with only Cash Reserve, Checking, self-directed, or 401(k) accounts
⚠Includes existing customers with $0 balance in all investing accounts as of January 1, 2026
⚠Includes current Betterment customers with only Cash Reserve, Checking, self-directed investing, and/or Betterment at Work 401(k) accounts
⚠Not available for new clients transferring funds in anticipation of account acquisition
⚠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
⚠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 to Betterment at Work 401(k) plan clients
Transfers between eligible individual investing accounts within 3 years do not trigger early removal fee, but must maintain minimum balance equal to the reward amount in each account
Market gains and additional deposits after reward date allow penalty-free withdrawal of additional funds
Early Removal Fee capped at the total reward received
Withdrawals prior to Reward Date reduce the bonus calculation
3-year holding period applies; early withdrawal may result in forfeiture of bonus
Not available for joint accounts, trust accounts, individual 401(k)s, or Betterment at Work 401(k) accounts
Reward deposited in order of priority: Roth IRA > Traditional IRA > SEP IRA > highest balance taxable account
Existing clients must not have received any Betterment Investing Reward since January 1, 2026
Qualified deposits include rollovers and transfers from external accounts; internal Betterment transfers do not qualify
Deposits must settle before bonus is paid (typically 2-3 business days)
Cannot be combined with other Betterment investing reward offers in same calendar year
Only net deposits into individual taxable managed investing accounts and IRA accounts are eligible
Internal transfers from Betterment Cash Reserve or Checking accounts are not Qualified Deposits
If funds are withdrawn during holding period, Early Removal Fee equals the difference between the original reward and the reward tier for remaining deposits
Reward held for minimum 3 years to keep full amount
If deposits withdrawn within 3 years, early removal fee applies (non-taxable)
Early withdrawal fee applies if funds are withdrawn before 3-year holding period
Reward adjusted proportionally if deposits withdrawn before end of 3-year period
Subject to 3-year holding period after Reward Date
ACAT transfers also subject to separate fee
Offer must be enrolled by April 30, 2026
If deposits withdrawn before 3-year holding period, the reward may be subject to clawback or fee depending on amount
Reward deposited into applicable Eligible Account around day 45 of Offer Period
Early withdrawal of bonus-qualified deposits within 3 years results in early removal fee equal to the bonus amount
Bonus is considered interest in IRAs and does not count toward annual IRA contribution limits
Deposits from internal transfers between Betterment accounts do not qualify
Deposits from Betterment Cash Reserve or Checking accounts do not qualify
Early withdrawal fee applies if deposits are withdrawn within 3-year holding period; fee amount equals the difference between original reward and reward applicable to remaining deposits
Reward based on net deposits (deposits minus withdrawals) at 45-day mark
Reward deposited into eligible account on or around last day of Offer Period
Applies to individual taxable accounts and IRA accounts (not joint or trust accounts)
Includes rollovers and external transfers
Reward is forfeited if deposits are withdrawn before 3-year holding period
Early withdrawal fee up to the reward amount may apply
Internal transfers from Cash Reserve or Checking are not Qualified Deposits
Net deposits calculated at 45 days from enrollment
Early Removal Fee applies if funds are withdrawn before 3-year holding period ends; fee cannot exceed the bonus amount
Transfers between eligible accounts do not trigger early removal fees
Internal transfers from Cash Reserve or Checking accounts are not qualified deposits
Not valid with other investing offers; non-transferable
Bonus deposited into highest priority open and funded account (Roth IRA > Traditional IRA > SEP IRA > taxable accounts)
If you receive the reward in an IRA, it is treated as interest and does not count toward annual IRA contribution limits
Early withdrawal of deposited funds within 3 years may result in forfeiture of a portion of the bonus equal to the difference between the reward tier of original deposits and the tier of remaining deposits
Reward is treated as interest for tax reporting purposes
Only net deposits into individual taxable managed investing accounts and IRA accounts qualify; deposits into joint, trust, self-directed, and Cash Reserve/Checking accounts do not qualify
Deposits must settle before the 45-day period ends (typically 2-3 business days)
Early Removal Fee applies if funds are withdrawn before 3-year hold period ends
Minimum deposit of $1,000 required to qualify; minimum $2,500 net deposits to receive bonus
Transfers between eligible accounts within 3 years do not trigger early removal fee if minimum balance maintained
Offer not valid with other investing offers
Early withdrawal from the account within 3 years triggers an early removal fee
Internal transfers from Cash Reserve or Checking accounts do not count as qualified deposits
Reward is deposited into accounts in priority order: Roth IRA, Traditional IRA, SEP IRA, then highest balance taxable account
Early removal fee equals the difference between the reward received and the reward applicable to remaining deposits
Reward is delivered on or around the last day of the offer period (approximately 45 days from enrollment)
If multiple accounts opened, reward deposits into Roth IRA first, then Traditional IRA, then SEP IRA, then highest balance taxable account
Early removal of deposits before 3-year hold incurs a non-taxable fee
Internal transfers from Cash Reserve or Checking accounts do not qualify
For IRA rewards: the reward does not count toward annual IRS contribution limits
Net qualified deposits are rounded down to nearest dollar
Early withdrawal of deposited funds within 3-year hold period incurs a fee equal to the difference in bonus tier amounts
Reward is deposited into eligible account based on priority: Roth IRA, Traditional IRA, SEP IRA, then highest balance taxable account
Early removal fee applies if funds withdrawn before 3-year holding period
Only net deposits into individual taxable managed investing accounts and IRA accounts (traditional, Roth, SEP) are eligible
Rollovers to new IRA accounts and external transfers into individual taxable accounts qualify
Reward deposited around day 45 from enrollment date
If deposits held for at least 3 years, reward can be withdrawn penalty-free
Early Removal Fee applies if funds are withdrawn before the 3-year hold period ends
Early Removal Fee is the difference between the original bonus received and the bonus applicable to remaining deposits
Not available to Betterment Advisor Solutions clients
Eligible account types: individual taxable investing accounts and traditional, Roth, and SEP IRAs
Qualified deposits include new funds, rollovers, and external transfers; internal transfers from Cash Reserve or Checking accounts do not count
Early Removal Fee applies if deposits/reward transferred or distributed outside eligible accounts before 3-year holding period ends
Net qualified deposits rounded down to nearest whole dollar
Qualified deposits include rollovers and external transfers; internal transfers from Cash Reserve/Checking do not qualify
Reward is treated as interest and does not count toward IRA contribution limits
Enrollment deadline: must click offer link or signup by 11:59:59 PM ET on April 30, 2026
If deposits are withdrawn before 3 years, early removal fee equals the difference between original reward and reward applicable to remaining deposits
Early Reward Removal Fee applies if funds withdrawn before 3-year holding period expires
Reward can be withdrawn penalty-free after 3 years from reward date (approximately March 15, 2029 for Q1 2026 enrollments)
Internal transfers between eligible individual accounts do not trigger early removal fee during holding period if minimum balance maintained
Reward deposited into account priority: Roth IRA, Traditional IRA, SEP IRA, highest balance individual taxable account
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
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
