Betterment IRA $2,000 Bonus

Requirements

• Enroll in Betterment's Tiered Investing Reward offer by 11/30/2026
• Make a net Qualified Deposit of at least $1,000 to qualify for the lowest reward tier
• Qualifying deposit must be made within 45 days of enrollment (the Offer Period)
• Must be a new Betterment client, OR an existing client with a $0 balance across all Betterment managed investing accounts as of 5/1/2026, OR an existing client with no managed investing retail account (only Cash Reserve/Checking/self-directed/401k)
• Excluded: joint/trust investing accounts, self-directed investing accounts, Cash Reserve accounts, 401(k) accounts, and Advisor Solutions clients
• Reward cannot be combined with other Betterment investing offers
• Keep net deposits + reward in the Eligible Account for 3 years after the Reward Date, or a prorated Early Removal Fee applies on withdrawal below the qualifying tier
• Eligible accounts include traditional, Roth, and SEP IRAs
• Reward placement priority: (1) Roth IRA, (2) traditional IRA, (3) SEP IRA, (4) highest-balance taxable account

Cash you need to float: $1,000

Timeline

1. Fund the account within 45 days of opening.
2. Complete all requirements within 45 days.
3. Keep the account open 1095 days to avoid clawback or early-close fees.

Bonus tiers

• $100 — $1,000-$9,999 net deposits: park $1,000
• $125 — $10,000-$24,999 net deposits: park $10,000
• $250 — $25,000-$49,999 net deposits: park $25,000
• $750 — $50,000-$99,999 net deposits: park $50,000
• $1,250 — $100,000-$199,999 net deposits: park $100,000
• $2,000 — $200,000+ net deposits: park $200,000

Closing the account (what we verified)

• Bonus clawback risk if closed within 1095 days of the bonus posting.

More Betterment bonuses

• Betterment brokerage $2,000 bonus