Many of us hold too much cash in our bank accounts. It’s just sitting there, possibly earning you next-to-nothing. With Smart Saver, you could earn a 2.00% annual yield.*

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Bar graph showing that the Smart Saver yield is much higher than the national average for a savings bank

You deserve a higher savings account yield.

Many banks' savings accounts yield next to nothing.

A low-risk investing account for cash.

We built Smart Saver to keep up with bond yields, which our platform automatically tracks to help you make the most of your money.

Invested in U.S. government bonds, not FDIC-insured.

We put 80% of your money with U.S. Treasuries and 20% with low-volatility corporate bonds. (If short-term Treasury bills aren’t a stable place for your money, we're not sure what is.)

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Built-in Cash Analysis

Learn to keep a smart level of cash in your checking.

Smart Saver's yield is just the start. We've built a cash analysis tool to help you see if you’re holding cash in your checking account that could be earning more.

Automate your wallet

Why check your balance? Smart Saver has Two-Way Sweep.

Having extra cash is a nice problem to have, but moving that money can be a hassle. We built Two-Way Sweep to make it easy. Help avoid overdrafts and keep your checking account at a desired level. We’ll notify you each time we’re about to sweep your money—just in case you want to cancel and keep your cash where it is. Learn more

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Pay less in taxes

Bank interest is taxed. Smart Saver has tax advantages.

When you put your cash in federal government bonds, the money you earn isn’t taxable by states or cities. That means your Smart Saver earnings are partially tax-advantaged. Learn more

No hidden fees

Transparency is in our DNA. No additional trading, transfer, or withdrawal fees, as well as no minimum balance.

Cutting-edge technology

Our technology, backed by Nobel Prize-winning research and our team of experts, is built to help you get the returns you deserve.

Personalized guidance

Exciting life moments come with important financial questions. Our tools and experts are here to help guide you along the way.

All for one, low fee of 0.25%

With a $0 minimum balance, anyone can get started.

Move your money with ease

If you need your cash, you can easily transfer it back to your linked bank account. Typical transfer time is 4-5 business days and, unlike some savings products like CDs, there are no additional early withdrawal fees or penalties.

...And everything else we have to offer

We work now to help you stop working later. Tell us when and where you want to retire, and how much you’ve saved so far. We’ll help give you a sense of where you stand and guide you on the path forward.

Put your extra cash to work with Smart Saver.

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* 2.00% yield is the asset-weighted blend of the 30 Day SEC Yield as of 7/1/2019 (a standardized calculation that reflects the dividends and interest earned after deduction of the fund’s expenses) of the ETFs that comprise this portfolio net of Betterment’s management fee (0.25% for its Digital plan). The ETFs were chosen with an aim to limit risk and produce income. Yield is an important number in evaluating a low-risk, all-bond portfolio, but is distinct from actual investment returns, which may vary. 20X the average savings account is calculated by taking the FDIC’s national average savings account interest rate for deposits under $100,000 of 0.10% (as of data available 7/1/2019) compared to 2.00%, the expected yield of a Betterment Smart Saver portfolio. Click here for more information.


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