Your security is our priority
We work hard to make Betterment a secure place to grow your money.
Protection behind the scenes.
We use strong browser encryption, store all of our data on servers in a secure facility, and implement systematic processes and procedures for securing and storing data.
Safeguards to protect against unauthorized activity.
We are committed to protecting your account from fraud. If you see any unauthorized activity in your account, report it immediately. We'll work to recover any loss that results from unauthorized use of your Betterment account.1 Learn more.
Respect for your personal data and information.
Advanced Login Protection
Additional features to help ensure your security.
Two-Factor Authentication provides a second layer of security beyond your password to access your Betterment account. App Passwords allow you to use third-party personal finance applications, while minimizing the risk of potentially unwarranted access to your Betterment account.
Advice for how you can help protect yourself.
We're in this together. We recommend choosing secure and unique passwords, regularly updating your devices, and never sharing your login information. Learn more.
Need to report a security problem?
If you'd like to disclose a security issue affecting Betterment or our customers, please email us at firstname.lastname@example.org (PGP public key).
How would you like to get started?
Manage spending with Checking
Checking with a Visa® debit card for your daily spending.
Save cash and earn interest
Grow your cash savings for general use for upcoming expenses.
Invest for a long-term goal
Build wealth or plan for your next big purchase.
Invest for retirement
Set up traditional, Roth, or SEP IRAs to save for the golden years.
Are you on track for retirement?
Try our retirement calculator to see if you're retirement-ready.
Could your 401(k) be worth more?
Learn how rolling over an average 401(k) to a Betterment IRA could mean 60% lower fees.
Want more retirement guidance?
Read the latest on investing for retirement on our Resource Center.
1 Applies only to transactions covered under the federal Electronic Fund Transfer Act, and requires that you notify us within 60 days of the unauthorized transaction and that you have exercised appropriate account safeguarding practices and have complied with your responsibilities as set forth in the Betterment account agreement and disclosures.