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Betterment

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THE SMART, SECURE HOME FOR YOUR CASH

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

Get started

THE SMART, SECURE HOME FOR YOUR CASH

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

Get started

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.

  • Eligible for FDIC insurance up to $1M

    Your money is insured once it’s deposited with our program banks.

  • Move your money as often as you want

    It’s easy: No limits on how often you can move money, and no fees to do so.

  • Earn APY* on your cash

    Our variable APY tracks the Fed Fund Rate and is 5X the national average.**

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.

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.

Access your cash quickly.

Move your money as often as you want with no transfer fees or limits. And when you need it, you can withdraw in just 1–2 business days.

A different way to save.


Cash Reserve doesn’t offer a set rate like a bank. It tracks the rate set by the Fed, and at * (variable) is earning 5X the national average.**

A different way to save.

Cash Reserve doesn’t offer a set rate like a bank. It tracks the rate set by the Fed, and at APY* (variable) is earning 5X the national average.**

Get started

Get advice to save better.

This isn’t just a place to store cash. You also get spending analysis and guidance to help you hold the right amount of money and grow your savings.

Get advice to save better.


This isn’t just a place to store cash. You also get spending analysis and guidance to help you hold the right amount of money and grow your savings.
Now Available

Joint Cash Reserve accounts

When customers speak, we listen. You wanted joint accounts. Now they’re here, and eligible for up to $2 million in FDIC insurance with our program banks.

Ready to start growing your savings?

Open your Cash Reserve