Betterment Invest & Save Money

10.7K reviews
Content rating
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About this app

Invest better with Betterment. Investing apps are a dime a dozen, right? So, you might be wondering why you should download this investing app. It’s simple: Betterment is built to make investing easy, with a personalized experience that fits your needs whether you’re an investor-in-training or a stock market guru. Invest your money for the things you want most, so you can live better. Join the 730,000+ people who entrust us with over $30.7 billion. See important disclosures in the final image above.

With Betterment, you can invest in expert-built, automated portfolios of investments with ETFs (stocks and bonds) and now, cryptocurrency. Diversifying your assets is now simpler than ever with Bitcoin, Ethereum and more. Guided investing allows you to better understand crypto with educational resources to help you stay in the know.

Investments made easy because you’ve got a lot going on
✅ Sign up in 3 minutes
✅ Start investing with a $10 min deposit
✅ No minimum balance
✅ One low, annual fee of 0.25%

Ways to save more
🤓 Tax saving features
🤓 Save money and earn interest on your cash with Cash Reserve
🤓 Competitive high interest rates (variable APY)
🤓 Rewards on 1000s of brands with the Betterment Visa® Debit Card¹

Personalized financial planning because we like you just the way you are
✨ Smart investing for your personal savings goals and all levels of experience
✨ Customize your stock-and-bond risk level
✨ Access our financial advisors at an added cost

Get more with Betterment
💰 Manage money for everyday spending with Checking
💰 Retirement saving with an IRA (Roth IRA, Traditional IRA)
💰 Retirement planning with a 401(k) plan for your business

The proof is in the numbers (we like those around here)
💙 730,000+ clients
💙 $30.7 billion managed

See what we’re all about
📱 Instagram: @BettermentHQ
📱 Twitter: @Betterment

About us:
As an independent digital investment advisor and fiduciary, Betterment’s mission is to help you do what’s best for your money so you can live better. Get started in minutes with just $10. and no minimum balance. You can save for specific goals or keep it general. Then you’ll invest in expert-built stock-and-bond ETF or crypto portfolios.

Once you set up your investment goals, you can trust us to handle the details. Or, if you prefer a more hands-on approach, you can customize your portfolio, select your own ETFs, crypto, and more. And, as your financial advisor, we’ll give you guidance on how to make smart decisions to work toward achieving your financial savings goals along the way.

You can also make an impact with your investment portfolio. Our Socially Responsible Investing ESG portfolio options (Broad Impact, Social Impact and Climate Impact) enable you to invest in stock-and-bond ETFs that support minority empowerment, gender diversity, sustainability, and the funding of green projects. Our Sustainable crypto portfolio helps you invest in cryptocurrencies that support lower carbon emissions.

Keep track of your financial life across your short and long-term savings goals with one easy-to-use app.

Start investing with Betterment today, for a better tomorrow.
Images are hypothetical.

Checking accounts and the Betterment Visa Debit Card provided and issued by nbkc bank, Member FDIC. Checking made available through Betterment Financial LLC. Neither Betterment Financial LLC, nor any of their affiliates, is a bank. Betterment Financial LLC reimburses ATM fees and the Visa® 1% foreign transaction fee worldwide, everywhere Visa is accepted.

Higher bond allocations in your portfolio decreases the percentage attributable to socially responsible ETFs.
Updated on
Jan 19, 2023

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
No data shared with third parties
Learn more about how developers declare sharing
This app may collect these data types
Location, Personal info and 6 others
Data is encrypted in transit
You can request that data be deleted
10.7K reviews
Lisa Scott
August 10, 2022
They have a very easy way for anybody to invest from the just trying to figure out how to invest to the experienced investor. However their checking is extremely slow. Probably outdated. Needs something new for faster service. I wont use the checking for anything except to put money in the savings and investment accounts with Betterment. I have checking elsewhere that's a thousand times faster.
15 people found this review helpful
Did you find this helpful?
August 18, 2022
Hi there, thanks so much for the feedback. I will pass this along to the appropriate teams. Please reach out to our support team at and we would be happy to further assist.
Lane Price
March 24, 2021
The app is clean, easy to use. I'm able to set up an automatic deposit, check my balance, account performance, etc. I had a question a while ago, and ngl i was on hold on the phone for a while until i gave that up and emailed them. To my surprise they were very punctual in replying back and extremely courteous and helpful. So phone isn't the best but customer service was great over email, overall positive experience so far.
64 people found this review helpful
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Brandon Frye
May 7, 2020
App is so confusing. The layout is cluttered and disorganized. Not to mention the difficulty in transferring funds between your checking and Cash Reserve accounts. You can transfer money to the other account by going to either account, and selecting "transfer". You can also go to that account and there's a "deposit" option, which does the same thing. So... 3 ways to do the same task. But only for certain tasks. Otherwise the app is stable and works as designed. The design just needs tweaking.
64 people found this review helpful
Did you find this helpful?
May 15, 2020
Thank you very much for providing such valuable feedback. I've passed your message over to our design team for further consideration.

What's new

Bug fixes and performance improvements.