# Betterment Cash Reserve / Investing: $150 bonus

Canonical: https://dealaka.com/offers/betterment-cash-reserve-investing-referral-bonus

- Status: Limited reports
- Bonus: $150
- Requirement: Open and fund account via referral link, $100 min
- Expires: no published end date
- Availability: Nationwide
- Institution: Betterment
- Verified: Jul 25, 2026 against betterment.com
- Field reports: 0
- Note: elevated bonus requires a member referral link; Dealaka links only the official program page.

## Summary
Refer a friend to Betterment and once they open and fund an account through your link, you both get a $150 investing bonus plus a boosted 4.00% variable APY on Cash Reserve balances up to $1m for three months.

## Requirements
1. Get a personal referral link from an existing Betterment customer.
2. Open a new Betterment account using the referral link.
3. Fund the account with at least $100 for the investing bonus (or $10 for cash APY boost).
4. Both referrer and new customer receive a $150 investing bonus and a 0.75% APY boost on Cash Reserve balances up to $1m for three months.

## Fine print that matters
- Cash Reserve is offered by Betterment LLC and requires a Betterment Securities brokerage account.
- Betterment is not a bank; FDIC insurance is provided by program banks subject to certain conditions.
- APY (variable) is 3.25% as of 12/12/25 plus a 0.75% boost on balances up to $1m with qualifying deposit.
- $10 minimum deposit for base APY, $100 minimum deposit for individual investing bonus.
- If the base APY changes, the boosted APY will change.
- Terms apply.

## Sources
- betterment.com offer page <https://www.betterment.com/offer/refer-a-friend> (checked Jul 25, 2026)

_This entry is reference information, not financial advice. Confirm current terms on the institution's site before you apply._