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 auto-deposits for each. Save purposefully for whatever is on this year’s to-do, to-purchase, or to-make list.

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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.

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Ready to start growing your savings?

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