Betterment $100–$2,000 Brokerage Bonus - 2026 Review
Affiliate disclosure: Fat Stacks Academy may earn a commission if you open an account through this link, at no additional cost to you.
Bonus Tiers & Effective APY
Overview
Betterment currently offers up to $2,000 through its brokerage promotion. The headline tier requires $200,000 and keeps the funds committed for roughly 1105 days. That is approximately 0.3% annualized before tax and opportunity-cost adjustments.
Who This Savings Bonus Is Best For
People with $200,000 of genuinely idle cash who can leave it committed for roughly 1105 days without sacrificing a better use for the funds.
How to Maximize This Bonus
Fund the account inside the 45-day window, target the tier you can maintain comfortably, and keep the qualifying balance in place for the full 1095-day maintenance period. Avoid moving the money until the reward posts.
Pros
Cons
How This Compares to Other Bonuses
Betterment's $2,000 headline payout is closest to Merrill Edge's $1,500 offer. Compare the required capital, holding time, account fees, and base interest, not only the bonus.
Frequently Asked Questions
What is the current Betterment promotion?
Betterment currently offers up to $2,000. The headline requirement is $200,000 deposit held for about 1095 days.
How much money is required for the Betterment bonus?
The highest advertised payout currently requires $200,000. Lower tiers may require less; review the tier table on this page.
How long is the money committed?
Plan on approximately 1105 days including funding, maintenance, settlement, and a practical payout buffer.
Eligibility
Net new qualified deposits into a Betterment investing account, open to both new and existing customers. Fund within 45 days of opening. The hold is three years, and pulling the money out early triggers Betterment's Early Removal Fee, which claws back the reward.
Fees
Apply
Open Account →Affiliate disclosure: Fat Stacks Academy may earn a commission if you open an account through this link, at no additional cost to you.
Sources (2)
We last checked this against the bank's page on July 27, 2026.
Historical Promotions
The current $2,000 is the highest we've tracked since January 2023.
Add this offer directly to your dashboard so you can track its requirements, deadline, and payout.
Stacks OS also tells you which bonus to do next for YOUR paycheck.
What actually counts as a direct deposit at 53 banks. Fidelity, Schwab, ACH pushes, all in one printable table, verified.
Comments (0)
Fat Stacks Academy may earn a commission when you open an account through links on this page, at no additional cost to you. Commissions do not influence our reviews — we verify offer terms directly with each bank before publishing and do not accept paid placement in our rankings. Bonus offers, requirements, and fees are determined by each financial institution and may change at any time. Always verify the current terms directly with the bank before applying. This content is for informational purposes only and does not constitute financial advice.