Designed to help your money grow

Understand how much it costs to save, spend, and invest with Betterment.

Pricing at Betterment.

  • crypto investing icon of a floating gold coin

    Crypto

    Diversified portfolios offer a simple way to invest in crypto.
    • 1%
      + trading expenses2
    Invest in crypto
    • $0 minimum balance
    • Multiple portfolio options
    • Includes Bitcoin and Etherium
    • Automated rebalancing
    • Risk and investment advice
    2 Gemini, our cryptocurrency custodian, charges trading fees of up to 0.15% per trade.
  • checking icon of a debit card

    Checking

    Everyday spending with rewards and benefits.
    • No fee
    Start spending
    • $0 minimum balance
    • No ATM fees
    • FDIC-insured up to $250K
    • Earn cash back rewards
    Checking accounts and the Betterment Visa Debit Card provided and issued by nbkc bank, Member FDIC. Checking made available through Betterment Financial LLC. Neither Betterment Financial LLC, nor any of their affiliates, is a bank. Learn more

Calculate your investing cost.

Initial deposit
$4 monthly 0.25% annually
Recurring deposits
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The base price for investing accounts is $4/month. This automatically switches to an annual price of 0.25% on your investing account balance when you either:

  • Have a total Betterment balance of $20,000 or more across any investing accounts, crypto accounts, Cash Reserve, cash goals, and Checking accounts you hold at Betterment, or
  • Set up a recurring deposit(s) of $250/month or more into any account.

Upgrade to Premium for on-demand support from a Certified Financial Planner™.

Access unlimited financial guidance from a CFP® when you upgrade to Premium. From retirement planning to Crypto Investing, you’ll get professional one-on-one advice tailored to your goals.

0.15% add-on fee

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$100K minimum balance required in stocks, bonds, or crypto holding for Premium. Additional 0.15% premium management fee applies to Investing and Crypto Investing fees, but does not apply to Cash Reserve.

Benefits to better support you.

The technology and people here to help you with your money.
  • a simplified versions of a dashboard for managing tasks and information

    All-in-one dashboard.

    Seamlessly track and manage all your accounts (including connecting those outside Betterment) from one place.
  • an abstract illustration of a chat dialog

    Expert guidance.

    Even before you make your first deposit, we provide advice to help you make smart money decisions.
  • an illustration of someone using the Betterment app to speak with a financial advisor

    Get in touch with us.

    Access our Customer Support Team, available five days a week via phone and email.

Curious how we make money?

We take transparency seriously around here, which means we keep our pricing and terms easy and straightforward:
  • For Checking, Betterment Financial LLC does not charge fees on your account. We make money from merchants when you use your Visa debit card.
  • For Cash Reserve ("CR"), Betterment LLC only receives compensation from our program banks, and Betterment LLC and Betterment Securities do not charge fees on your CR balance.
  • For Investing and retirement accounts, Betterment LLC charges one low, annual fee, which covers all trading, transfer, and management costs.
  • For crypto accounts, Betterment charges one low, annual fee which covers all management costs. Additional trading expenses (up to 0.15% per transaction) are charged by our cryptocurrency custodian, Gemini.

Questions about our pricing:

  • How are the fees taken from my account?

  • Are there discounts if I hold a high balance?

  • What counts toward the minimum balance for Premium?

  • Are there fees on deposits, withdrawals, or ETFs?

  • Does it cost more to get additional help if I need it?

Like what you see?
Let’s get you started.

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