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…"} } window.awardsByRef = {}; window.awardsByRef["44"] = { primary: "FinTech Breakthrough on 3.19.25 for Jan '25. Fee paid for logo use.", secondary: "FinTech Breakthrough recognized Betterment at Work as the Best Employee Benefits Solution 2025. It was considered amongst an unknown number of applicants based on criteria including innovation, performance, ease of use, functionality, impact, and value. Award may not be representative of the Betterment client experience, advisory services, or investment performance. For more information, see: https://fintechbreakthrough.com/2025-winners/ " }; window.awardsByRef["45"] = { primary: "Buy Side on 3.3.25 for Feb '25. Fee paid for logo use.", secondary: "Buy Side recognized Betterment LLC as the Best Overall Robo Advisor 2025. It was considered amongst 20 robo advisors based on criteria including their fees, investment strategies and investor services, including financial planning, tax-loss harvesting and availability of a premium service. Award may not be representative of the Betterment client experience, advisory services, or investment performance. For more information, see: https://www.wsj.com/buyside/personal-finance/investing/best-robo-advisors " }; window.awardsByRef["46"] = { primary: "Nerdwallet on 1.10.25 for Aug-Oct '24.", secondary: "Nerdwallet awarded Betterment LLC a 5-star rating. ©2017-2025 and TM, NerdWallet, Inc. All Rights Reserved. It was considered amongst 15 robo advisors based on 16 factors, including account fees and minimums, portfolio mix, accounts supported, customer support, automated services, and human advisor options. Betterment compensates Nerdwallet for unrelated marketing. Award may not be representative of the Betterment client experience, advisory services, or investment performance. For more information, see: https://www.nerdwallet.com/reviews/investing/advisors/betterment " }; window.awardsByRef["48"] = { primary: "Nerdwallet on 3.28.25 for Aug-Oct '24.", secondary: "Nerdwallet recognized Betterment LLC as one of the Best Robo-Advisors 2025. ©2017-2025 and TM, NerdWallet, Inc. All Rights Reserved. It was considered amongst 15 robo advisors based on 16 factors, including account fees and minimums, portfolio mix, accounts supported, customer support, automated services, and human advisor options. Betterment compensates Nerdwallet for unrelated marketing. Award may not be representative of the Betterment client experience, advisory services, or investment performance. For more information, see: https://www.nerdwallet.com/best/investing/robo-advisors " }; window.awardsByRef["49"] = { primary: "Nerdwallet on 3.28.25 for Aug-Oct '24.", secondary: "Nerdwallet recognized Betterment LLC as the Best for New IRA Investors 2025. ©2017-2025 and TM, NerdWallet, Inc. All Rights Reserved. It was considered amongst 29 competitors based on 20 factors, including account fees and minimums, customer support, and portfolio mix. Betterment compensates Nerdwallet for unrelated marketing. Award may not be representative of the Betterment client experience, advisory services, or investment performance. For more information, see: https://www.nerdwallet.com/best/investing/ira-accounts " }; window.awardsByRef["50"] = { primary: "Motley Fool Money on 11.20.24 for Nov '24. Fee paid for logo use.", secondary: "Motley Fool Money recognized Betterment LLC as the Best Robo Advisor for IRAs 2025. It was considered amongst an unknown number of competitors based on criteria including assets and portfolio options, account variety, features like tax loss harvesting, research, and customer service, and trading platform and mobile app ratings. Award may not be representative of the Betterment client experience, advisory services, or investment performance. For more information, see: https://www.fool.com/money/awards/2025/stock-broker-robo-advisor/ " }; window.awardsByRef["51"] = { primary: "Bankrate on 1.6.25 for Jan '25. Fee paid for logo use.", secondary: "Bankrate recognized Betterment at Work as one of the Best 401(k) Plans of 2025. It was considered amongst an unknown number of competitors based on cost, types of available plans, customer support, investment funds, and education & advice. Betterment compensates Bankrate for unrelated marketing. Award may not be representative of the Betterment client experience, advisory services, or investment performance. For more information, see: https://www.bankrate.com/retirement/best-401k-plans/ " }; window.awardsByRef["52"] = { primary: "G2 on 3.13.25 for Mar '25 for 401(k) category. Some reviewers compensated.", secondary: "G2 recognized Betterment at Work as a Grid Leader for the 401(k) category for Spring 2025. G2 generates a Leader badge when a product is recognized as a top performer in a G2 Market Report based on criteria including Satisfaction and Market Presence scores within G2 user reviews of Betterment at Work. Betterment compensates some reviewers up to $50 through G2, and G2 for unrelated marketing. Rating may not be representative of the Betterment client experience, advisory services, or investment performance. For more information, see: https://www.g2.com/categories/401-k " }; window.awardsByRef["53"] = { primary: "G2 on 3.13.25 for Mar '25 for Investment Portfolio Management category. Some reviewers compensated.", secondary: "G2 recognized Betterment at Work as the Easiest to Use for the Investment Portfolio Management category for Spring 2025. Betterment at Work had the highest Ease of Use rating amongst 273 competitors in this category based on responses to Usability Index questions on the G2 review form. Betterment compensates some reviewers up to $50 through G2, and G2 for unrelated marketing. Rating may not be representative of the Betterment client experience, advisory services, or investment performance. For more information, see: https://www.g2.com/categories/investment-portfolio-management " }; window.awardsByRef["54"] = { primary: "G2 on 3.13.25 for Mar '25 for Investment Portfolio Management category. Some reviewers compensated.", secondary: "G2 recognized Betterment at Work as the Easiest Admin for the Investment Portfolio Management category for Spring 2025. Betterment at Work had the highest Ease of Admin rating amongst 273 competitors in this category based on responses to Usability Index questions on the G2 review form. Betterment compensates some reviewers up to $50 through G2, and G2 for unrelated marketing. Rating may not be representative of the Betterment client experience, advisory services, or investment performance. For more information, see: https://www.g2.com/categories/investment-portfolio-management " }; window.awardsByRef["55"] = { primary: "G2 on 3.13.25 for Mar '25 for Investment Portfolio Management category. Some reviewers compensated.", secondary: "G2 recognized Betterment at Work as the Highest User Adoption for the Investment Portfolio Management category for Spring 2025. Betterment at Work had the highest User Adoption rating amongst 273 competitors in this category based on responses to Implementation Index questions on the G2 review form. Betterment compensates some reviewers up to $50 through G2, and G2 for unrelated marketing. Rating may not be representative of the Betterment client experience, advisory services, or investment performance. For more information, see: https://www.g2.com/categories/investment-portfolio-management " }; window.awardsByRef["56"] = { primary: "Investopedia on 5.13.25 for Apr '25.", secondary: "Investopedia recognized Betterment LLC as the Best Robo-Advisor for Tax-Loss Harvesting 2025. It was considered amongst an unknown number of competitors based on 60 weighted criteria and nine major categories, including goal planning, portfolio contents, portfolio management, and fees. Betterment compensates Investopedia for unrelated marketing. Award may not be representative of the Betterment client experience, advisory services, or investment performance. For more information, see: https://www.investopedia.com/the-best-robo-advisors-8764849 " }; window.awardsByRef["57"] = { primary: "Investopedia on 5.13.25 for Apr '25.", secondary: "Investopedia recognized Betterment LLC as the Best Robo-Advisor for Cash Management 2025. It was considered amongst an unknown number of competitors based on 60 weighted criteria and nine major categories, including goal planning, portfolio contents, portfolio management, and fees. Betterment compensates Investopedia for unrelated marketing. Award may not be representative of the Betterment client experience, advisory services, or investment performance. For more information, see: https://www.investopedia.com/the-best-robo-advisors-8764849 " }; window.awardsByRef["58"] = { primary: "Investopedia on 5.13.25 for Apr '25.", secondary: "Investopedia recognized Betterment LLC as the Best Robo-Advisor for Beginners 2025. It was considered amongst an unknown number of competitors based on 60 weighted criteria and nine major categories, including goal planning, portfolio contents, portfolio management, and fees. Betterment compensates Investopedia for unrelated marketing. Award may not be representative of the Betterment client experience, advisory services, or investment performance. For more information, see: https://www.investopedia.com/the-best-robo-advisors-8764849 " }; window.awardsByRef["59"] = { primary: "Weighted avg. app store rating as of 9.3.25 (reviews since: 9.10.10 Apple, 10.30.13 Google).", secondary: "The rating displayed on the website reflects the weighted average of reviews across the App Store and Google Play. The App Store rating is calculated and generated by Apple based on the average of all total app reviews. The Google Play rating is calculated and generated by Google based on most recent reviews. The number of reviews is the combined total. Rating may not be representative of the Betterment client experience, advisory services, or investment performance. Betterment compensates Apple, Inc. for distributing the Betterment app only. For more information, see the App Store and Google Play." }; window.awardsByRef["60"] = { primary: "G2 on 5.27.25 for reviews since 11.10.20. Some reviewers compensated.", secondary: "G2 awarded Betterment at Work a 4.2-star rating. Source: G2.com, Inc. The rating is calculated and generated by G2 based on the average of all platform reviews. Betterment compensates some reviewers up to $50 through G2, and G2 for unrelated marketing. Rating may not be representative of the Betterment client experience, advisory services, or investment performance. For more information, see: G2" }; window.awardsByRef["1"] = { primary: "See more.", secondary: "" }; window.awardsByRef["37"] = { primary: "Business Insider on 2.29.24 for 2024.", secondary: "Business Insider recognized Betterment LLC as the Best Overall Robo-Advisor for 2024. It was considered amongst nearly two dozen competitors based on human advisor access, portfolio types, fees, and customer service. Award may not be representative of the Betterment client experience, advisory services, or investment performance. For more information, see: https://www.businessinsider.com/personal-finance/best-robo-advisors" }; window.awardsByRef["61"] = { primary: "The Wealthies on 6.2.25 for Aug '23-Feb '25.", secondary: "The Wealthies recognized Betterment Advisor Solutions's Digital Solo 401(k)s as a finalist in the Retirement Income Technology Providers category 2025. It was considered amongst 1,209 total entries across 97 categories and subcategories, and was based on the submission’s innovation, scope and impact. Betterment compensates WealthManagement.com for unrelated marketing. Award may not be representative of the Betterment client experience, advisory services, or investment performance. For more information, see: https://informaconnect.com/wealth-management-industry-awards/finalists/" }; window.awardsByRef["62"] = { primary: "Click for Review. BBB on 6.23.25 for data since 6.9.15. Fee paid for application and accreditation dues.", secondary: "BBB awarded Betterment an A- rating. It represents BBB's opinion of how the business is likely to interact with its customers based on criteria including the business's complaint history with BBB, type of business, time in business, transparent business practices, failure to honor commitments to BBB, advertising issues known to BBB, and licensing and government actions known to BBB. Award may not be representative of the Betterment client experience, advisory services, or investment performance. For more information, see: https://www.bbb.org/us/ny/new-york/profile/investment-management/betterment-0121-155503." }; window.awardsByRef["63"] = { primary: "G2 on 6.4.25 for June '25 for Investment Portfolio Management category. Some reviewers compensated.", secondary: "G2 recognized Betterment Advisor Solutions as a Grid Leader for the Investment Portfolio Management category for Summer 2025. G2 generates a Leader badge when a product is recognized as a top performer in a G2 Market Report based on criteria including Satisfaction and Market Presence scores within G2 user reviews of Betterment Advisor Solutions. Betterment compensates some reviewers up to $25 through G2, and G2 for unrelated marketing. Rating may not be representative of the Betterment client experience, advisory services, or investment performance. For more information, see: https://www.g2.com/categories/investment-portfolio-management " }; window.awardsByRef["64"] = { primary: "Weighted avg. app store rating as of 9.3.25 (reviews since: 9.10.10 Apple, 10.30.13 Google).", secondary: "The rating displayed on the website reflects the weighted average of reviews across the App Store and Google Play. The App Store rating is calculated and generated by Apple based on the average of all total app reviews. The Google Play rating is calculated and generated by Google based on most recent reviews. The number of reviews is the combined total. Rating may not be representative of the Betterment client experience, advisory services, or investment performance. Betterment compensates Apple, Inc. for distributing the Betterment app only. For more information, see the App Store and Google Play." }; window.awardsByRef["66"] = { primary: "G2 on 9/29/25 for reviews since 11/1/20. Some reviewers compensated.", secondary: "G2 recognized Betterment at Work as 1st in the 401(k) category. It was considered amongst 23 competitors and ranked based on G2 ratings derived from user reviews and aggregated data. Betterment compensates some reviewers up to $50 through G2, and G2 for unrelated marketing. Ranking may not be representative of the Betterment client experience, advisory services, or investment performance. For more information, see: https://www.g2.com/categories/401-k." }; window.awardsByRef["65"] = { primary: "G2 on 9/23/25 for reviews since 11/10/20. 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Rating may not be representative of the Betterment client experience, advisory services, or investment performance. For more information, see: https://www.g2.com/categories/investment-portfolio-management" }; window.awardsByRef["68"] = { primary: "G2 on 9/9/25 for June-Sept '25 for Financial Wellness category. Some reviewers compensated.", secondary: "G2 recognized Betterment at Work as having Highest User Adoption for the Financial Wellness category for Fall 2025. Betterment at Work had the highest User Adoption rating amongst 75 competitors in this category based on responses to Implementation Index questions on the G2 review form. Betterment compensates some reviewers up to $50 through G2, and G2 for unrelated marketing. Rating may not be representative of the Betterment client experience, advisory services, or investment performance. For more information, see: https://www.g2.com/categories/financial-wellness " }; window.awardsByRef["69"] = { primary: "G2 on 9/9/25 for June-Sept '25 for 401(k) category. Some reviewers compensated.", secondary: "G2 recognized Betterment at Work as a Grid Leader for the 401(k) category for Fall 2025. G2 generates a Leader badge when a product is recognized as a top performer in a G2 Market Report based on criteria including Satisfaction and Market Presence scores within G2 user reviews of Betterment at Work. It was considered amongst 23 competitors. Betterment compensates some reviewers up to $50 through G2, and G2 for unrelated marketing. Rating may not be representative of the Betterment client experience, advisory services, or investment performance. For more information, see: https://www.g2.com/categories/401-k" }; window.awardsByRef["70"] = { primary: "G2 on 9/29/25 for reviews since 11/1/20. 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New customer offer Earn even more with our cash reserve boost

Open a Cash Reserve account and make a qualifying deposit to get a 0.65% APY boost on your savings through January 15, 2026. Your boost stays locked in, even if our base rate changes.

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Cash Reserve offered by Betterment LLC and requires a Betterment Securities brokerage account. Betterment is not a bank. FDIC insurance provided by Program Banks, subject to certain conditions. Learn more.

See how Betterment’s Cash Reserve stacks up

Betterment Robinhood Gold SoFi Chase
APY

4.40%

4.00%

3.80%

0.1%
Account fees

$0

$5/mo

$0

$5/mo
(conditional)
FDIC insurance

Up to $2M

Up to $2.5M

Up to $3M

Up to $250k

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Keep your money safe as it grows.

Cash Reserve lets you earn interest even during volatile times. FDIC insurance covers your money up to $2 million ($4 million for joint accounts) at our program banks, meaning you won’t have to sacrifice security for growth.
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Our Program Banks

Apple Bank1 Bank Hapoalim, B.M.1 Barclays Bank Delaware1 CIBC Bank USA1
Cross River Bank Encore Bank 1 First Internet Bank of Indiana 1 First Merchant Bank1
First Western Trust Bank1 Forbright Bank 1 HSBC Bank USA, N.A.1 Lake Forest Bank & Trust Company, N.A.1
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Truist Bank1 Webster Bank, N.A.1 Wells Fargo Bank, N.A.1 Western Alliance Bank1
Wheaton Bank and Trust, N.A. 1
Program bank list last updated as of Oct. 24, 2025. Up to $250,000 of coverage for each insurable capacity—e.g., individual or joint—at up to eight Program Banks. Electing to exclude one or more Program Banks from receiving deposits may lower the amount of FDIC insurance available through Cash Reserve.
Cash Reserve is for cash you intend to purchase securities with and should not be viewed as a long-term investment option.

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