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.

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.

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 $150 on March 15, 2026, you can withdraw all of it (including the $150 reward) on or after March 15, ...

When will I receive the Investing Reward?

You’ll receive the full value of your cash reward around 45 days from your enrollment date. 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: If you deposit $5,000 into a Roth IRA account and $5,000 into an individual taxable account, you will receive $125 deposited into your Roth ...

Your total Investing Reward is determined based on eligible net deposits across all eligible individual investing accounts at 45 days past enrollment. The maximum reward is $1,500. Cash payout by deposit amount is listed below: 45 Day Individual Investing Account Net Deposits* Total Investing Reward** $0-$2,499 $0 $2,500 - $9,999 $100 $10,000 - $24,999 $125 $25,000 - $49,999 $150 $50,000 - $99,999 $300 $100,000 - $199,999 $750 $200,000+ $1,500 *The minimum amount of net deposits to receive a ...

What is my enrollment date?

For new customers, your enrollment date in the offer is the date that you visit the offer webpage, click the signup link on the Betterment site, and open an eligible investing account. For current Betterment customers, your enrollment date is the date that you click a link to the offer, either via email or message in the Betterment application.

What’s the Tiered Investing Reward?

The Tiered Investing Reward is a cash reward based on a new managed investing account customer’s net deposits into eligible managed investing accounts in their first 45 days after enrollment in the offer. Only net deposits into individual taxable managed investing accounts and IRA accounts are eligible for the promotion. This includes rollovers to new IRA accounts and external transfers into individual taxable managed investing accounts. Net deposits into joint and trust investing accounts, ...

Who is eligible for the Betterment Q4 2026 Tiered Investing Reward?

This offer is only available to new managed investing customers, including current Betterment customers with only a Cash Reserve, Checking, self-directed investing, and/or Betterment at Work 401(k) account, and existing Betterment customers with a $0 balance in all of their investing accounts as of January 1, 2026. This offer is not available to active Betterment Advisor Solutions advised clients.

Betterment Q1 2026 Tiered Investing Reward

Offer Details

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 $150 on March 15, 2026, you can withdraw all of it (including the $150 reward) on or after March 15, ...
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You’ll receive the full value of your cash reward around 45 days from your enrollment date. 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: If you deposit $5,000 into a Roth IRA account and $5,000 into an individual taxable account, you will receive $125 deposited into your Roth ...
Read More
Your total Investing Reward is determined based on eligible net deposits across all eligible individual investing accounts at 45 days past enrollment. The maximum reward is $1,500. Cash payout by deposit amount is listed below: 45 Day Individual Investing Account Net Deposits* Total Investing Reward** $0-$2,499 $0 $2,500 - $9,999 $100 $10,000 - $24,999 $125 $25,000 - $49,999 $150 $50,000 - $99,999 $300 $100,000 - $199,999 $750 $200,000+ $1,500 *The minimum amount of net deposits to receive a ...
Read More
For new customers, your enrollment date in the offer is the date that you visit the offer webpage, click the signup link on the Betterment site, and open an eligible investing account. For current Betterment customers, your enrollment date is the date that you click a link to the offer, either via email or message in the Betterment application.
Read More
The Tiered Investing Reward is a cash reward based on a new managed investing account customer’s net deposits into eligible managed investing accounts in their first 45 days after enrollment in the offer. Only net deposits into individual taxable managed investing accounts and IRA accounts are eligible for the promotion. This includes rollovers to new IRA accounts and external transfers into individual taxable managed investing accounts. Net deposits into joint and trust investing accounts, ...
Read More
This offer is only available to new managed investing customers, including current Betterment customers with only a Cash Reserve, Checking, self-directed investing, and/or Betterment at Work 401(k) account, and existing Betterment customers with a $0 balance in all of their investing accounts as of January 1, 2026. This offer is not available to active Betterment Advisor Solutions advised clients.
Read More