Offer value details
Betterment lists a 0.75 percentage point Cash Reserve APY boost for new clients who open and fund an eligible Cash Reserve account, with the promotional rate currently running through January 15, 2027.
Qualification requirements
As a new Betterment client, open an individual or joint Cash Reserve account and complete an eligible deposit while the promotion is available, allowing the stated two to three business days for settlement. Cash Reserve lists a $10 minimum deposit; verify enrollment availability on the official offer page.
Fees and costs
Betterment Cash Reserve lists no monthly account fee, but users should review program-bank, cash sweep, and Betterment account terms.
Availability
Only new Betterment clients residing in the U.S. qualify. Betterment for Advisors accounts and Betterment at Work 401(k) balances are excluded; the promotion cannot overlap another Cash Reserve promotional rate offer.
What to verify
- The boost is temporary and the underlying standard APY can change.
- Betterment is not a bank. Cash Reserve requires a Betterment Securities brokerage account, and FDIC coverage applies through program banks subject to program and per-bank ownership limits.
- Interest may be taxable.
Confirm current provider terms
Rates, rewards, fees, qualification rules, eligibility, and deadlines can change. Review the provider terms before applying.