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Referral offer Join Betterment and get up to 4.50%* variable APY for 3 months with a qualifying deposit.

Your friend sent you a limited time offer. Sign up today and start working towards a better future. See offer terms

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The individual who referred you is a client of Betterment and could be compensated with their own offer when you open and fund an account. Because of this, they are incentivized to recommend Betterment, which is a conflict of interest. Their views may not be representative so take a look at the reviews at the App Store and Google Play Store. 

Always acting in your best interest.

We can’t control the ups and downs of the market, but you can have confidence we’re doing right by you and your investments.
  • A lightbulb with Betterment logo on it inside a shield.

    We’re a fiduciary.

    We are an SEC-registered investment advisor, which means we’re legally bound to put your interests first when investing your money.
    Learn more
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    Member of SIPC.

    Member of SIPC, which protects securities customers of its members up to $500,000 (including $250,000 for claims for cash). Explanatory brochure available upon request or at www.sipc.org
  • A coin going into a slot.

    Fees in line with service.

    No commissions or upsell. We’re motivated by what’s best for you, our fees are tied to how your account grows.

Optimize your cash today. Start saving for tomorrow.

Set money aside for what matters to you. Create multiple savings goals and use our automated tools to help you achieve them. 

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What makes Betterment’s Cash Reserve better?

  • Coin going in a slot.

    $0 fees.

    Forget any monthly or maintenance costs—what you earn is what you keep.
  • Shield with a check mark.

    $2 million insured.†

    Rest easy with FDIC insurance up to $2 million ($4 million for joint accounts) with our program banks. That's 8X the standard.
  • Hand holding a pile of cash.

    Unlimited withdrawals.

    Compare this to other banks that limit how often you can access your money.
  • A small flowering plant surrounded by butterflies

    No minimum balance.

    Other institutions offer higher interest rates based on a larger balance—you can grow your money with us for as little as $10.

Start investing today.

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