Betterment Q3 2025 Tiered Investing Reward for Investing Users FAQ

What’s the Tiered Investing Reward? 

The Tiered Investing Reward is a cash reward based on an investing customer’s net deposits into eligible investing accounts in their first 45 days after enrollment in the offer. 

Your net deposits only into Individual Taxable Investing accounts and IRA accounts are eligible for the promotion. This includes rollovers to new IRA accounts and external transfers into Individual Taxable Investing accounts.

Who is eligible for the Betterment Q3 2025 Tiered Investing Reward? 

This offer is only available to current Betterment customers with an investing account who received this offer via email or the Betterment app. This offer is not available to active Betterment at Work 401(k) plan clients and Betterment Advised clients and is not available for joint and trust investing accounts.

What is my enrollment date?

For current Betterment customers, enrollment date is defined on the date in which a link to the offer is clicked either via email or message in the Betterment application.

How much can I earn? 

Final Investing Rewards are determined based on eligible net deposits across all individual investing accounts at 45 days past enrollment.  The maximum reward is $1,000.  Cash payout by deposit amount are listed below:

*The minimum amount of net deposits to receive a reward is $5,000.

**Reward amounts not cumulative.

When will I receive the Investing Reward?

You’ll receive the full value of your Investing Reward around 45 days after your enrollment in the offer. If you deposit into multiple investing accounts, the reward will be deposited into an open and funded account in the following priority order: Roth IRA, followed by Traditional IRA, followed by SEP IRA, followed by your highest balance individual taxable account.

EX:

1. If you deposit $5,000 into a Roth IRA account and $5,000 into an individual taxable account, you will receive $50 deposited into your Roth IRA.

Do I get to keep my reward if I withdraw money from my Investing Accounts?

Keeping the Investing Reward after withdrawing funds from your investing accounts depends on how much you’re withdrawing and how much you’ve contributed to your account since receiving the reward.

As long as you’ve held the deposits for at least three years, the reward is yours to keep.

For example, if you originally contributed $30,000 during the offer period and received an Investing Reward of $100 on August 15, 2025, you can withdraw all of it (including the $100 reward) on or after August 15, 2028 with no penalty.

Alternatively, if you withdraw money from your investing accounts earlier than three years after the deposit date, you’ll keep the reward as long as the amount of your withdrawal is less than or equal to the net amount that you’ve deposited into your investing account after the end of your offer period plus any market gains you’ve earned in that account. If your withdrawal is greater than those deposits plus any market gains earned, we will apply an Early Reward Removal Fee, This fee will adjust your reward based on the remaining net deposit amount in your investing accounts. 

For example, if you originally contributed $30,000 and received a $100 reward on Augustl 15, 2025, then withdrew $20,000 on August 1, 2026 and made no additional deposits to the account through August 1, 2026, your account will be subject to an early removal fee of $50.

In no event will the aggregate amount of the early reward removal fee exceed the amount of the reward you received from Betterment.

The early removal fee will apply to any of the following transactions: 

• RMDs
• Withdrawals (+ Recurring withdrawals)
• Internal Transfers to Cash Reserve, Joint/Trust Taxable, or Checking Accounts 
• Transfers out (ACATS/Rollovers out)
• ACH Reversals

The early reward removal fee will not apply to any transactions that transfer eligible deposits within your individual investing account(s) for three years after receiving the match (i.e., a transfer from your individual taxable investing account to a Betterment IRA), but you must maintain a minimum balance of at least the amount you received in the tiered investing reward in each eligible account. You may be subject to an early reward removal fee on a withdrawal out of any eligible accounts (i.e. Individual taxable, any IRAs). For example, 

• Say - you contribute $10,000 to an Individual Taxable account during the offer period and earn a $50 reward in that account. After the offer period ends, you transfer $5,000 from the Taxable account to a newly opened Roth IRA. If you do a full withdrawal from that Roth IRA, that withdrawal may be subject to a $25 fee (i.e., the difference between the $50 reward received and the $25 reward applicable to the remaining total of $5,000 in your eligible accounts). 

Your deposits at the end of the offer period - across all eligible investing accounts (existing or opened during the holding period) - must be maintained throughout the 3 year holding period in order to avoid a potential fee. Any subsequent market gains or deposits into any eligible account will increase the amount that you can withdraw without penalty.

Are there fees if I transfer funds from my investing account out of Betterment?

Yes, this transfer would be subject to an early reward removal fee if the amount you’re transferring meets the criteria above.

ACATS transfers are also subject to a separate fee. 

If I open a new IRA, does the reward count towards my annual IRS contribution limit?

No. The reward is treated as interest in your IRA and doesn’t count toward your annual IRA contribution limits.