Can I transfer money between investing goals and Cash Reserve?

You can transfer between an investment goal and your individual or joint Cash Reserve, or vice versa, up to 5 times per day. These transactions generally take 1-2 business days to complete. Transaction Timeline Table.

Within accounts held at Betterment, we generally only allow transfers involving individual or joint investing accounts if you are listed as married to the account owner. Note: This requirement does not apply if you created the joint account and are the primary account owner. Confirm spouse details or read more about taxpayer relationships. If you are not married, contact us and we can help you with a manual transfer.

Note that bank holidays do not count as business days. You can see a list of bank holidays here.

To transfer between investing goals and Cash Reserve:

Web browser:

  1. Log into Betterment.
  2. Click “Transfer or Rollover” in the upper right-hand corner.
  3. From the drop-down menu, choose “Transfer within”.
  4. Select your source and destination accounts, then enter the amount.
  5. Review your transfer request and submit.

Mobile app:

  1. Log in.
  2. On the home page, select your source account for the transfer.
  3. Tap “Transfer”, then “Transfer within Betterment”.
  4. Select your destination account and enter the amount.
  5. Review the transfer details and submit.