Betterment Promotions & Special Offers: Free Service for up to 12 Months

Betterment features

Betterment is one of the most popular robo-advisors out there and based on highest number of assets under management, one of the largest independent robo-advisors.

If you’ve been thinking about opening an account, you should take advantage of their promotions.

As a startup, they’re constantly tinkering and changing these promotions. This page will reflect the most up to date information on their special offers as well as include past inactive promotions so you have a sense of “how good” their active ones really are.

While these shouldn’t have a huge impact on your decision to invest with them, if you’re going to then you might as well snap up the best offer, right?

Table of Contents
  1. Active Promotions
    1. New Customer Promotions & Offers
    2. Regular Brokerage Account
  2. Expired Betterment Promotions
    1. Regular Accounts [EXPIRED]
    2. SEP IRA Promotions [EXPIRED]
    3. 401(k) and Retirement Account Rollover Promotions (Expired)

Active Promotions

These are Betterment’s active promotions, we keep this updated on a regular basis (Betterment emails me) and will typically have it updated within a day or two. I won’t let this page become one of those coupon sites where all the coupons are junk. These are fresh!

Here are their active promotions:

New Customer Promotions & Offers

New customers to Betterment can always take advantage of their new customer offers without the need of special coupon or promotion codes.

Regular Brokerage Account

You can get free investment management based on your deposits in the first 45 days. This is an expansion of their original offer, which was 1 month managed free with $10,000 or more deposit. You can now get up to 12 months free, based on the following schedule:

The lowest tier for getting the 1st Month Free was increased to $15,000 but the highest tier was lowered to $250,000:

Net Deposit After 45 DaysTime Managed Free
$15,000+1 Month Free
$100,0006 Months Free
$250,00012 Months Free

Learn more about this promotion

Expired Betterment Promotions

These are options that Betterment offered in the past but are no longer available. I keep them here to give you an idea of what they’ve done in the past.

Regular Accounts [EXPIRED]

For regular brokerage accounts, Betterment has offered months of free service (so no fees) as well as cash based on initial deposit. They no longer offer these bonus tiers, they are only listed for historical reference. The terms typically required you to keep that money invested for 60 days.

Cash Bonus Offers:

Initial DepositBonus
$250$25
$1,000$100

SEP IRA Promotions [EXPIRED]

For SEP IRAs, you could get up to 12 months free based on your first deposit. This offer is no longer available and only listed for historical reference.

Initial DepositBonus
$25,000 – $99,9994 Months Free
$100,000 – $499,9996 Months Free
$500,000+12 Months Free

401(k) and Retirement Account Rollover Promotions (Expired)

Roll over your retirement account (401k, IRAs) to Betterment and you could get up to 12 months free based on your first deposit. This offer is no longer available and only listed for historical reference.

Initial DepositBonus
$10,000 – $99,9991 Months Free
$100,000 – $499,9992 Months Free
$500,000+12 Months Free

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About Jim Wang

Jim Wang is a forty-something father of four who is a frequent contributor to Forbes and Vanguard's Blog. He has also been fortunate to have appeared in the New York Times, Baltimore Sun, Entrepreneur, and Marketplace Money.

Jim has a B.S. in Computer Science and Economics from Carnegie Mellon University, an M.S. in Information Technology - Software Engineering from Carnegie Mellon University, as well as a Masters in Business Administration from Johns Hopkins University. His approach to personal finance is that of an engineer, breaking down complex subjects into bite-sized easily understood concepts that you can use in your daily life.

One of his favorite tools (here's my treasure chest of tools,, everything I use) is Personal Capital, which enables him to manage his finances in just 15-minutes each month. They also offer financial planning, such as a Retirement Planning Tool that can tell you if you're on track to retire when you want. It's free.

He is also diversifying his investment portfolio by adding a little bit of real estate. But not rental homes, because he doesn't want a second job, it's diversified small investments in a few commercial properties and farms in Illinois, Louisiana, and California through AcreTrader.

Recently, he's invested in a few pieces of art on Masterworks too.

>> Read more articles by Jim

Opinions expressed here are the author's alone, not those of any bank or financial institution. This content has not been reviewed, approved or otherwise endorsed by any of these entities.

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