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 you transfer or distribute some or all of your net Qualified Deposits or Betterment Investing Reward to an account that is not an Eligible Account, including internal transfers to a Betterment joint or trust investing account or a Betterment Cash Reserve account, at any time prior to the end of three years after the Reward Date. 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 $200,000 during the offer period and received an Investing Reward of $1,500 on March 15, 2026, you can withdraw all of it (including the $1,500 reward) on or after ...

When will I receive the Investing Reward?

You’ll receive the full value of your cash reward around 60 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.

Your total Investing Reward is determined based on eligible net deposits across all eligible individual investing accounts at 60 days past enrollment. The maximum reward is $7,500. Cash payout by deposit amount is listed below: Total Net Qualified Deposits Total Betterment Investing Reward* $100,000-$199,999 $750 $200,000-$399,999 $1,500 $400,000-$999,999 $3,000 $1M+ $7,500 *Reward amounts not cumulative.

If I receive my reward in an 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.

What is my enrollment date?

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.

Tenured Tiered Cash Investing Offer Faqs

Offer Details

Yes, this transfer would be subject to an early reward removal fee if you transfer or distribute some or all of your net Qualified Deposits or Betterment Investing Reward to an account that is not an Eligible Account, including internal transfers to a Betterment joint or trust investing account or a Betterment Cash Reserve account, at any time prior to the end of three years after the Reward Date. ACATS transfers are also subject to a separate fee.
Read More
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 $200,000 during the offer period and received an Investing Reward of $1,500 on March 15, 2026, you can withdraw all of it (including the $1,500 reward) on or after ...
Read More
You’ll receive the full value of your cash reward around 60 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.
Read More
Your total Investing Reward is determined based on eligible net deposits across all eligible individual investing accounts at 60 days past enrollment. The maximum reward is $7,500. Cash payout by deposit amount is listed below: Total Net Qualified Deposits Total Betterment Investing Reward* $100,000-$199,999 $750 $200,000-$399,999 $1,500 $400,000-$999,999 $3,000 $1M+ $7,500 *Reward amounts not cumulative.
Read More