Deposit into Cash Reserve for 0.65% increase in APY

Terms and Conditions

To fulfill this offer, you must click on the offer link in your email or within the Betterment app by November 15, 2025 and then complete deposits totaling at least $1,000 into an individual, joint, or trust Betterment Cash Reserve account within 14 days of clicking the link (a “qualifying deposit”), inclusive of the required settlement time (typically 2-3 business days). Qualifying deposits must originate from a bank account (including a Betterment Checking account) and cannot be sourced from a Betterment Investing account. 

If you make a qualifying deposit, your Cash Reserve rate will be increased by 0.65% on top of the current standard Cash Reserve rate (“promotional rate”) through January 15, 2026 (the “promotional period”). The Cash Reserve APY is currently 4.00% but is variable and is subject to change, including the boosted rate offered in this promotion during the promotional period. For example, if the standard Cash Reserve Rate decreases during the promotional period, your promotional rate will also decrease. Please note that the Cash Reserve APY only applies to Cash Reserve accounts or goals set to hold cash, not investments. At the end of the promotional period, your interest rate will return to the standard Cash Reserve rate at that time. If you elect to exclude Cash Reserve deposits from one or more participating Program Banks, Betterment is unable to guarantee you will receive the promotional rate regardless of whether you have made a qualifying deposit.

This promotion is unique to the account-holder associated with the email address receiving this offer and is non-transferable. If you are currently participating in other offers for an increased APY (“APY Boost”) in your Cash Reserve account(s), and you participate in this offer, the promotional rate will be applied successively to your Cash Reserve account(s), after the current APY Boost has expired. For the avoidance of doubt, the promotional rate is not added on top of any other promotional APY Boost, but rather applies after all other promotional offers have run, and will expire at the end of the promotional period. Offer available to U.S. Residents only. Accounts advised through the Betterment Advisor Solutions platform are excluded from this offer.

Betterment reserves the right to terminate this offer at any time, to limit account bonuses you are eligible to receive, and to refuse or recover any promotion award if Betterment determines that it was obtained under wrongful or fraudulent circumstances, that inaccurate or incomplete information was provided in opening the account, or that any terms of the Betterment Account Agreements have been violated. Betterment also reserves the right to offer the promotional rate in its discretion to customers who have not made a qualifying deposit.