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Betterment Referral Code

Q: What do I get from the Betterment referral offer?

Both the referrer and the referred friend can earn rewards based on their own qualifying accounts: a $150 investing bonus, a 0.75% APY boost on Cash Reserve balances up to $1M for three months, or both.

Q: How do I refer a friend to Betterment?

Have a qualifying Betterment account, get your personal referral link from the rewards center, and share it. When your friend opens and funds an account using your link, you both receive the rewards.

Q: Is there a minimum deposit?

Yes. A $10 minimum deposit applies for the base APY on Cash Reserve, and a $100 minimum deposit is required for the individual investing bonus.

Q: What rate does the APY boost give me?

The boost adds 0.75% to the variable base APY on Cash Reserve balances up to $1M for three months. With the base at 3.25% as of 12/12/2025, that makes a boosted 4.00% variable APY. If the base APY changes, the boosted APY changes with it.

Q: Is Betterment a bank? Is my money safe?

Betterment is not a bank. Cash Reserve is offered by Betterment LLC and requires a Betterment Securities brokerage account, with FDIC insurance provided through program banks up to $4M individual or $8M joint for eligible cash, subject to conditions. Betterment Securities is a Member of SIPC, protecting securities up to $500K. Investing carries market risk.

Q: What does Betterment cost?

Betterment waives its wrap fee on assets in self-directed investing accounts, and self-directed trading has no commission or management fees. The optional Premium plan with unlimited advisor access costs an additional 0.40% on invested balances and requires $100,000 across eligible balances.

Q: Can I talk to a real person?

Yes. Customer support is available five days a week, and licensed advisors are available by phone for an additional cost or through the Premium plan.

$150 Investing Bonus Plus a 0.75% APY Boost for Both of You

Invite a friend to Betterment and you both earn rewards: a $150 investing bonus and a 0.75% APY boost on Cash Reserve balances up to $1M for three months. $100 min deposit for the investing bonus.

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Genie Says

Betterment is currently offering betterment Referral: $150 Investing Bonus Plus a 0.75% APY Boost for Both of You.

How much can you earn?

Share your own code and earn rewards when friends use it

The same rewards: a $150 investing bonus and a 0.75% APY boost on Cash Reserve balances up to $1M for three monthsper successful referral*

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How to Use a Betterment Referral Code

Open a qualifying account

Share your referral link

Get your personal referral link from the rewards center in your Betterment account and share it with a friend.

Friend opens and funds

Your friend uses your link to open a Betterment account and funds it. A $10 minimum deposit applies for the base APY and $100 minimum for the investing bonus.

You both get rewarded

Once the qualifying deposit is made, you both receive a $150 investing bonus and a 0.75% APY boost on Cash Reserve balances up to $1M for three months, based on your own qualifying accounts.

Reward Details

Your Reward: A $150 investing bonus and a 0.75% APY boost (4.00% variable boosted APY) on Cash Reserve balances up to $1M for three months, based on your qualifying accounts
Referrer Reward: The same rewards: a $150 investing bonus and a 0.75% APY boost on Cash Reserve balances up to $1M for three months
Minimum Purchase: $100 minimum deposit for the individual investing bonus; $10 minimum deposit for the base APY
Validity: APY boost lasts three months; base APY is variable (3.25% as of 12/12/2025) and the boosted APY changes if the base changes
Available In: USA
Eligibility: Referrer needs a qualifying Betterment account; friend must open and fund an account using the referral link; Cash Reserve requires a Betterment Securities brokerage account; terms apply

Why Choose Betterment?

Rewards for both sides

Invite a friend and you both earn rewards based on your own qualifying accounts: a $150 investing bonus, a boosted 4.00% variable APY on Cash Reserve balances up to $1M for three months, or both.

Hands-off investing

Betterment manages your money with expert-built portfolios and handles trading, rebalancing, reinvesting and tax management automatically. Core portfolio investors earned 10% annual returns on average over the last 10 years.

Tax-smart technology

Tax-loss harvesting helps turn market dips into tax savings; nearly 70% of customers using it covered their taxable advisory fees through estimated tax savings.

High-yield cash with big FDIC coverage

Cash Reserve pays a variable 3.25% APY as of 12/12/2025 with no hidden fees, and eligible cash is FDIC insured up to $4 million individual or $8 million joint through program banks, subject to conditions.

Invest your way

Choose automated investing, IRAs, self-directed trading of thousands of stocks and ETFs with no commission or management fees, bond investing, crypto or checking, and switch or combine as your goals evolve.

About Betterment

Betterment's refer-a-friend offer rewards both sides: a $150 investing bonus, a 0.75% APY boost on Cash Reserve balances up to $1M for three months, or both, depending on your own qualifying accounts.

Betterment is an automated investing and financial planning service trusted by more than 1 million customers with over 70 billion dollars. It offers expert-built portfolios with automatic trading, rebalancing, reinvesting and tax management, plus IRAs, self-directed investing in thousands of stocks and ETFs, bond and crypto investing, checking, and a high-yield Cash Reserve account. Its tax-loss harvesting helped nearly 70% of customers using it cover their taxable advisory fees through estimated tax savings.

The refer-a-friend offer rewards both the referrer and the friend based on their own qualifying accounts. Each of you can earn a $150 investing bonus, a boosted rate of 4.00% variable APY on Cash Reserve balances up to 1 million dollars for three months, or both. The boost is 0.75% on top of the 3.25% variable base APY as of 12/12/2025; if the base APY changes, the boosted APY changes too.

Getting the rewards is simple: have a qualifying Betterment account, grab your personal referral link from the rewards center and share it. Once your friend opens and funds an account using your link, you both get the $150 investing bonus and the three-month APY boost. A $10 minimum deposit applies for the base APY and a $100 minimum deposit for the individual investing bonus. Terms apply, and Cash Reserve requires a Betterment Securities brokerage account.

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