PUT YOUR EXTRA CASH TO WORK

Many of us hold too much cash in our bank accounts. It’s just sitting there, possibly earning you next-to-nothing. With Smart Saver, you could earn a 2.09% annual yield.*

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Bar graph showing that the Smart Saver yield is much higher than the national average for a savings bank

Don't let your rate fall behind.

Smart Saver is a low-risk investing account composed of bonds (80% Short-Term U.S. Treasury Bonds, 20% Short-Term Investment Grade Bonds). So, if rates rise—like they have for the past several years—so does your yield. Banks, on the other hand, set their own rates and often don’t keep up with the market rate. Some even drop their rates over time.*

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Find your extra cash

Not sure how much extra cash you have? We’ve got you covered. We can analyze expenses, estimate spending needs, and help you figure out just how much extra cash you might be holding in your checking account.

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Coming soon: Two-Way Sweep

Let’s take the hassle out of investing your extra cash with our automated money movement tool, Two-Way Sweep. When we find extra cash, we can invest it in your Smart Saver. When you need it, we’ll move it back to your checking account. And, we’ll always let you know before we move your money.

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No hidden fees

Transparency is in our DNA. No additional trading, transfer, or withdrawal fees, as well as no minimum balance.

Cutting-edge technology

Our technology, backed by Nobel Prize-winning research and our team of experts, is built to help you get the returns you deserve.

Personalized guidance

Exciting life moments come with important financial questions. Our tools and experts are here to help guide you along the way.

All for one, low fee of 0.25%

With a $0 minimum balance, anyone can get started.

Move your money with ease

If you need your cash, you can easily transfer it back to your linked bank account. Typical transfer time is 4-5 business days and, unlike some savings products like CDs, there are no additional early withdrawal fees or penalties.

...And everything else we have to offer

We work now to help you stop working later. Tell us when and where you want to retire, and how much you’ve saved so far. We’ll help give you a sense of where you stand and guide you on the path forward.

Put your extra cash to work with Smart Saver.

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*2.09% yield is the asset-weighted blend of the 30 Day SEC Yield as of 12/3/2018 (a standardized calculation that reflects the dividends and interest earned after deduction of the fund’s expenses) of the ETFs that comprise this portfolio net of Betterment’s management fee (0.25% for its Digital plan). The ETFs were chosen with an aim to limit risk and produce income. Yield is an important number in evaluating a low-risk, all-bond portfolio, but is distinct from actual investment returns, which may vary. 20X the average savings account is calculated by taking the FDIC’s national average savings account interest rate for deposits under $100,000 of 0.09% (as of 11/1/2018) compared to 2.09%, the expected yield of a Betterment Smart Saver portfolio. Click here for more information.

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