The smart, secure home for your cash

Betterment Cash Reserve is our no-fee cash account designed specifically for the money you save every day.

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A safe with a sun behind it.

Cash Reserve is only available to clients of Betterment LLC, which is not a bank, and cash transfers to program banks are conducted through the clients’ brokerage accounts at Betterment Securities. For Cash Reserve ("CR"), Betterment LLC only receives compensation from our program banks; Betterment LLC and Betterment Securities do not charge fees on your CR balance.

Meet short-term goals with long-term security.

Earn interest on your cash with a variable annual percent yield (APY)*. Your money is FDIC-insured up to $1M with our program banks ($2M for joint accounts).  

A kitchen renovation goal, fancy new couch goal, and weekend getaway goal.

Bucket your savings.

Create separate stashes of cash for specific goals, and even set up recurring deposits for each. Save purposefully for whatever is on this year’s to-do, to-purchase, or to-make list.


Move money with ease.

There are no limits on how often you can move money, and no fees to do so. You can withdraw in just 1–2 business days.


Ready to start growing your savings?

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