Refer 3 friends and get 1 year free when they fund an account
Give your friends and family a smarter investing experience.
For every friend who funds, you get 30 days free, and each friend gets 3 months free. As a bonus, when your first 3 friends fund, you get an extra free year.
What can Betterment give your friends?
Start your investment plan
years old and
- Not Retired
My annual income is
Start your investment plan
Member of Securities Investor Protection Corporation
Betterment Securities is a member of SIPC. Securities in your account protected up to $500,000. For details, please see www.sipc.org.
Looking out for investors' accounts is a legal duty.
Regulated by the SEC and a member of FINRA, our Broker-Dealer, Betterment Securities, follows a strict set of rules, designed to protect our investors' accounts.
Terms and Conditions
The offer is valid only for new individual accounts with Betterment. Please send invites only to people you know personally who will be glad to get them. Betterment will send one invite and up to two reminders to each friend you invite: (1) in your name; and/or (2) with your name. The reminders may be different from the original invite and can be canceled by emailing firstname.lastname@example.org. To qualify for the bonus, referred friends must make an initial deposit within 90 days of signup and not withdraw that initial deposit for 90 days.
Your participation in the Betterment Refer a Friend Program is subject to the following terms and agreements: Through the Betterment Refer a Friend Program you will invite friends to sign-up for a Betterment account by sending them an invitation via the Betterment interface, and your efforts in soliciting clients to Betterment will be limited to this activity. For each "Qualifying New Account" Betterment will waive its fees applicable to your Betterment account for a period of 30 days, and Betterment will also waive its fees applicable to your Betterment referee friend's account for a period of 90 days, both such periods as determined by Betterment. For every third "Qualifying New Account" Betterment will waive its fees applicable to your Betterment account for a period of 30 days plus 1 year, and Betterment will also waive its fees applicable to your Betterment referee friend's account for a period of 90 days, both such periods as determined by Betterment. For avoidance of doubt, Betterment will waive its fees applicable to your Betterment account for a period of 30 days for each "Qualifying New Account" and for an additional 1 year for the third "Qualifying New Account" for a sum total of 90 days and 1 year for the three "Qualifying New Accounts". A "Qualifying New Account" is a new individual Betterment account opened by your Betterment referee friend using the special designated link from your invitation, which your referee friend funds with an initial deposit and does not withdraw that initial deposit for 90 days. Betterment is not responsible for incorrect entry or other failure on the part of your referees to meet standards of a Qualifying New Account. Employer-sponsored retirement accounts provided through Betterment For Business are not Qualifying New Accounts. If you are a participant in your employer's retirement plan through Betterment For Business, and also have a personal Betterment account, only your personal account will receive fee waivers under the Betterment Refer a Friend Program. This promotion is not valid with any other offers and is non-transferrable. Offer available to U.S. Residents only. Betterment reserves the right to terminate this offer at any time, to limit the amount of 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. In referring friends to open a Betterment account you are offering investment advice on behalf of Betterment and under the supervision and control of Betterment. You agree to limit the investment advice you offer to the referral web page and email provided by Betterment. You agree that your participation in the Betterment Referral Program will conform to the terms contained herein as well as the provisions of the Investment Advisers Act of 1940, 15 U.S.C. § 80b-1, and the rules thereunder. You hereby represent that: (1) you are not subject to any statutory disqualification set forth in Sections 203(e) and 203(f) of the Investment Advisors Act (or any amended or replacement regulatory provision(s)); (2) you are not currently the subject of any investigation or proceeding which could result in statutory disqualification. If you cannot accurately make the preceding representations, you may not participate in the Refer a Friend Program. If you are currently participating in the Refer a Friend Program and the preceding representations become inaccurate, you agree to immediately inform Betterment at email@example.com.