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Transaction limits

Published | Updated

Betterment Account Transaction Limits

All limits listed are in business days. Business days are Monday-Friday, excluding bank and market holidays.
  Limit of # of Transactions $ Limit
Stocks and Bonds Investing Deposits Unlimited $300,000 per day**
Stocks and Bonds Investing Withdrawals Unlimited Up to available balance
Cash Reserve Deposits Unlimited $300,000 per day**
Cash Reserve Withdrawals Unlimited Up to available balance
Individual Stocks and Bonds Investing Account > Individual Stocks and Bonds Investing Account Transfer 1 per day Up to available balance
Joint Stocks and Bonds Investing Account > Joint Stocks and Bonds Investing Account Transfer 1 per day Up to available balance
Individual Stocks and Bonds Investing Account < > Joint Stocks and Bonds Investing Account Transfer* 1 per day Up to available balance
Stocks and Bonds Investing < > Cash Reserve Transfer* 5 per day Up to available balance
Individual Cash Reserve < > Joint Cash Reserve Transfer Unlimited Up to available balance
Connected Funding Account > Checking (ACH Push) Generally no limits Generally no limits
ACH Withdrawals Initiated From Checking Unlimited $5,000****
Checking ATM Withdrawals Unlimited $510 per day***
ACH Deposits Initiated Into Checking Unlimited $10,000****
Checking Point-Of-Sale Transactions Generally no limits $2,000 per day
Crypto Investing Deposits
 Unlimited $300,000 per day**
Crypto Investing Withdrawals
 Unlimited Up to available balance
Individual Stocks and Bonds Investing Account < > Individual Crypto Investing Account Transfer
 Unlimited Up to available balance
Joint Stocks and Bonds Investing Account < > Individual Crypto Investing Account Transfer
 Unlimited Up to available balance
Crypto Investing < > Cash Reserve Transfer*
 Unlimited Up to available balance

*Within accounts held at Betterment, we generally only allow transfers involving individual and 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, if you are not married, contact us and we can help you with a manual transfer.

**This limit does not apply to wire transfers.

***This limit includes any ATM surcharge fees charged by the ATM operator. Remember that we’ll reimburse ATM fees at any ATM worldwide where Visa is accepted.

****Checking ACH limits may vary based on account tenure and are subject to change at Betterment's discretion. In certain situations, the limits may also be temporarily adjusted to accommodate a specific transaction.