ancaster Verified 22 Aug 2026
Betterment Built-in referral US

Betterment is a robo-advisor platform offering automated portfolio management, retirement accounts (IRA, Roth, Rollover), taxable investing accounts, and Cash Reserve (FDIC-insured savings). Betterment uses algorithms and human advisors to manage diversified, low-cost portfolios.

Automated investing and wealth management with AI-powered portfolio management.

Betterment pays $150 investing account credit + 0.75% APY boost on Cash Reserve up to $1M for 92 days, through a referral link that already sits inside the product, with no application. Referrer invites new customer through Betterment dashboard; referee opens account via referral link and deposits minimum $10 (Cash Reserve) or $100 (investing) within 30 days. The referred customer gets $150 investing account credit + 0.75% apy boost (identical to referrer). Verified 22 Aug 2026 from Betterment's own published material.

Your commission
$150 investing account credit + 0.75% APY boost on Cash Reserve up to $1M for 92 days
Bonus applies to both referrer and referee. APY boost limited to 92 days (3 months). Annual cap: maximum 5 qualifying referrals per calendar year earning full rewards.
Customer incentive
$150 investing account credit + 0.75% APY boost (identical to referrer)
Referred customer receives same bonus structure. Both bonuses subject to 30-day deposit requirement within account opening.
Paid whenReferrer invites new customer through Betterment dashboard; referee opens account via referral link and deposits minimum $10 (Cash Reserve) or $100 (investing) within 30 days.
Must you be a customerYes — only existing Betterment account holders can refer
DurationOne-time bonus per referral, plus 92-day (3-month) APY boost
Commission generatedWhen referred customer opens account via referral link AND deposits minimum ($10 Cash Reserve or $100 investing) within 30 days of account opening
Payment scheduleBonus credited 'on or around' the date of friend's qualifying deposit; APY boost applied immediately upon deposit, runs for 92 consecutive days
Cash-out minimumNot published; no threshold stated
Payout rails$150 credited directly to referred customer's investing account as account balance; APY boost applied as rate increase on Cash Reserve (not a separate payout)
Attribution windowRegistration-based: referral link tracks the new customer; no separate cookie window (30-day deposit requirement is the qualifying window)
Important
Program is limited to 5 referrals per calendar year earning full rewards ($750 max annual bonuses). APY boost is rate-limited (cannot stack multiple boosts). Program excludes joint accounts, trusts, 401(k)s, HSAs, and Premium/Advisor Solutions accounts. Referrer must disclose they are a Betterment client and receive compensation.
30-day deposit window is strict (from account opening). Different minimum deposits for Cash Reserve ($10) vs. investing accounts ($100). Account type restrictions exclude significant customer segments (joint accounts, trusts, retirement plans through employers).

The full terms

Everything Betterment publishes about how the commission is earned and paid. A term shown as not researched is one Betterment does not publish, not one that does not apply.

How it pays
Route inBuilt-in: Log in to Betterment dashboard → Rewards Center → 'Refer a Friend' → generate unique referral link or invite by email
Must you be a customerYes — only existing Betterment account holders can refer
Commission basis$150 flat per qualifying referral (both sides receive same amount)
DurationOne-time bonus per referral, plus 92-day (3-month) APY boost
Commission generatedWhen referred customer opens account via referral link AND deposits minimum ($10 Cash Reserve or $100 investing) within 30 days of account opening
Payment scheduleBonus credited 'on or around' the date of friend's qualifying deposit; APY boost applied immediately upon deposit, runs for 92 consecutive days
Cash-out minimumNot published; no threshold stated
Payout rails$150 credited directly to referred customer's investing account as account balance; APY boost applied as rate increase on Cash Reserve (not a separate payout)
Attribution windowRegistration-based: referral link tracks the new customer; no separate cookie window (30-day deposit requirement is the qualifying window)
Self-referralBanned; also banned: existing Betterment customers, customers who closed accounts within past year, joint/trust/retirement plan accounts, Premium and Advisor Solutions subscribers
Customer pricing
What the customer pays. Every figure above is calculated from these prices.
Betterment (Automated)$0 per month, 0% advisory fee
Betterment Plus Advisor$0 per month, 0.25% annual advisory fee
Premium (Premium Guidance)$199/month, included advisor services (not eligible for referral bonuses)
Advisor SolutionsCustom (for financial advisors; not eligible for standard referral bonuses)
Verified
Read from Betterment's own published material on . Figures change without notice — quote this date alongside any figure.
Sources
Refer a Friend Program Overview ↗Refer a Friend: Full Offer Details ↗Referral Program Legal Terms ↗Referral Program Help Center ↗Betterment Pricing & Account Types ↗
Referral program terms: betterment.com/referral (public overview)
Detailed mechanics: betterment.com/refer-a-friend-offer (detailed page with all restrictions and requirements)
Legal terms: betterment.com/legal/offers/referral_sender_2026 (complete authoritative legal document)
Help center: betterment.com/help/tag/referral-program (support articles on mechanics)
Account restrictions: betterment.com/pricing (account types and ineligible accounts listed)
All sources verified 2026-08-23
Citing this page
Ancaster, “Betterment affiliate terms”. Verified 22 August 2026. https://ancaster.io/offers/betterment