A better way to invest and save

Build and manage your wealth with low-cost, expert-built portfolios and automated tax-saving tools. Earn 4.00% (variable) APY* on your cash, and grow your retirement with tax-advantaged IRAs.

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Boost your savings up to 4.50% APY* (variable) for 3 months with a qualifying deposit in your first cash account. New customers only. Terms apply.
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Earn up to $1,000 when you open any individual investing account (including an IRA) and complete a qualifying deposit or rollover. Terms apply. Claim your offer

1.12.24 for 2024. See more.
1.2.24 for Aug-Oct '23. See more.
Weighted avg. app store rating as of 9.12.24 (reviews since: 9.10.10 Apple, 10.30.13 Google). See more.

Tax Loss Harvesting+ (TLH+) is not suitable for all investors. Consider your personal circumstances before deciding whether to utilize bettermart’s TLH+ feature. Fee coverage and estimated tax savings based on bettermart internal calculations. See more in disclosures

Core Portfolio

Innovative Technology

Broad Impact

Climate Impact

Social Impact

Boost your savings with a high-yield cash account.

Don’t let traditional savings accounts keep your money from growing. Whether saving for an emergency fund or a big goal, our high-yield cash account earns interest at 10x the national average.**

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$0 fees

Forget any monthly or maintenance costs—what you earn is what you keep.
$2M FDIC insurance

Enjoy up to $2million ($4million for joint accounts) FDIC insurance with our program banks, subject to certain conditions. That's 8x the standard.
Move money with ease

Easily transfer cash to your investing account, set up recurring savings, and withdraw funds anytime you need.

Excellent place to make your money work for you.”

Kathryn H.

It's a good "set-it-and-forget-it" investing tool for my family."

Casey M.

Saves the stress and hassle of handling retirement savings myself."

David S.

I like the different types of accounts offered, the high APY, and how easy it is to check my accounts on mobile."

Karen G.

Non-paid client of bettermart. Views may not be representative, see more reviews at the App Store and Google Play Store.

Still have questions?

bettermart helps you manage your money through cash management, guided investing, and retirement planning. We are a fiduciary, which means we act in your best interest.

We'll ask a bit about you when you sign up. We'll also gather information when you connect your outside accounts. Then, we'll help you set financial goals and set you up with investment portfolios for each goal.

For your long-term financial needs (like retirement, next year's vacation, or a down payment), our investment strategy utilizes low-cost ETFs (exchange-traded funds) and an adjustable risk profile based on your goal type and how long you plan to invest.

For your daily saving and spending, you can use our cash management products that include Checking (which is offered by nbkc bank, Member FDIC) and Cash Reserve, a high-yield cash account.
Customer support team members are available five days per week to answer questions about your account.

If you want in-depth financial advice, you can talk to a licensed advisor by phone for an additional cost. Our Premium plan provides you with unlimited access and costs an additional 0.40% on your invested balances (with a minimum investing account balance requirement of $100,000).
bettermart Securities is a Member of SIPC, which protects securities of its members up to $500K (including $250K for claims for cash). Explanatory brochure available upon request or at www.sipc.org. What you should remember is that the SIPC does not protect against market changes in your investing account.

Individual Cash Reserve accounts have FDIC insurance up to $2 million and joint Cash Reserve accounts offer up to $4 million in FDIC insurance once funds are deposited into our program banks^†.

Funds deposited into Checking are FDIC-insured up to $250,000 for individual accounts and up to $250,000 per depositor for joint accounts, provided by nbkc bank, Member FDIC. Explore further details about FDIC insurance.

A better way to invest and save

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Automated investing

High-yield cash

IRAs

Investing should always be this easy.

Invest the way you want

Save more in taxes

Ongoing optimization

Pick from our expert built portfolios

Boost your savings with a high-yield cash account.

$0 fees

$2M FDIC insurance

Move money with ease

Feel confident about retirement with an IRA.

Tax benefits

Lower fees

Retirement planning

As the largest independent digital investment advisor, see what customers say about bettermart

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