Pricing at Betterment

Everyone should be able to spend, save, and invest better with expert advice. That's why we keep prices low and transparent.

  • Cash


    The smart home for your savings and daily spending.
    • No fee
      $0 minimum balance
    Grow your savings

    Cash Reserve

    • High-yield cash account earning a variable 3.20%*
    • Bucket money for individual goals and plans
    • FDIC-insured up to $1M with our program banks

    Cash Reserve is only available to clients of Betterment LLC, which is not a bank, and cash transfers to program banks are conducted through the clients' brokerage accounts at Betterment Securities. For Cash Reserve ("CR"), Betterment LLC only receives compensation from our program banks; Betterment LLC and Betterment Securities do not charge fees on your CR balance. Learn more


    • No-fee Checking account and Visa® debit card
    • ATM fees reimbursed worldwide
    • FDIC-insured up to $250k

    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

  • Plants growing from the ground


    Expert-built stock and bond portfolios to help you build wealth. 
    • 0.25% annual fee
      $0 minimum balance
    Start investing

    Digital investing

    • Low-cost investing portfolios built and managed based on your priorities
    • Socially responsible investing options
    • Account choices, including joint accounts, IRAs, and trusts
    • Automatic features like portfolio rebalancing, dividend reinvestment, and auto-adjust
    • Advanced tax-saving strategies like tax loss harvesting and asset location

    Advice and planning tools

    • Financial goal-setting and advice tools
    • Retirement planning tools
    • Feedback on accounts you hold at other institutions
    • Unlimited access to the expertise of a Certified Financial Planner at an additional price. See details

    Advisory services provided by Betterment LLC, a registered investment advisor.

  • Crypto coin


    Diversified portfolios offer a simple way to invest in crypto.
    • 1% annual fee
      + trading expenses*
      $0 minimum balance
    Invest in crypto

    Crypto Investing

    • Four diversified crypto portfolio options to align with your interests
    • Broadly invest in cryptocurrencies like Bitcoin and Ethereum
    • Risk and investment advice to help you make smart decisions
    • Automated rebalancing to help reduce the impact of market volatility 

    *Gemini, our cryptocurrency custodian, charges trading fees of up to 0.15% per trade.

Nick Holeman

All accounts include access to our Customer Support Team, available five days a week via phone and email.

Get on-demand financial guidance with a Certified Financial Planner™

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

Gain additional advice on investments held outside of Betterment with our team of CFP® professionals.

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.


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.

The Betterment Satisfaction Guarantee.

We are committed to providing our customers with a great experience. If you are not completely satisfied with your advisory experience with Betterment, we will do everything we can to make it right up to and including by waiving Betterment's management fees for up to 90 days. Learn more or contact us if you have questions.

The Betterment Satisfaction Guarantee does not apply to Crypto Investing. 

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?

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