Your security is our priority
We work hard to make Betterment a secure place to grow your money.
Data Security
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.
Fraud Protection
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.
Privacy
Respect for your personal data and information.
We protect the privacy of your information and will never share your data with any third party without your permission. For more information, please review our Privacy Policy.
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.
Security Tips
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 security@betterment.com (PGP public key).
Explore your first goal
Safety Net
This is a great place to start—an emergency fund for life's unplanned hiccups. A safety net is a conservative portfolio.
Retirement
Whether it's a long way off or just around the corner, we'll help you save for the retirement you deserve.
General Investing
If you want to invest and build wealth over time, then this is the goal for you. This is an excellent goal type for unknown future needs or money you plan to pass to future generations.
Smart Saver
You could earn 20X more than a typical savings account with our low-risk investing account for your extra cash.
How would you like to get started?
Your first step toward a smarter investing future starts here.
Create a Betterment account
Go ahead and join the smart, modern way to invest.
See what we can do for you
Tell us a bit about yourself, and we'll show you the benefits of investing with us.
Get a free investing checkup
Help us get a sense of your investing approach and see how you could improve.
Transfer a 401(k) or an IRA
Move an existing retirement account into a Betterment IRA.
Download the mobile app
Enjoy the Betterment experience anywhere on the go.
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.