Bank app facts
Betterment app
Betterment Invest & Save Money on iPhone and Android. Store facts as of .
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What the Betterment app is for and who it fits
Betterment's app holds both investing accounts and cash. Betterment says it isn't a bank. Its Cash Reserve account sends eligible cash to program banks for FDIC insurance, and Betterment Checking is provided by nbkc bank, Member FDIC.
The same Betterment site lists automated investing, self-directed investing, crypto investing, checking and a mobile app, so the app is built for people who want their savings and their investing with one company. Betterment says you can lock your debit card and change your PIN from the app.
Cash Reserve requires a Betterment Securities brokerage account, according to Betterment's disclosures. If you only want a checking account at a bank with branches, this app isn't set up for that.
Written from these official pages, checked :
- betterment.com/cash-reserve (opens in a new tab) (checked Oct 25, 2026)
- betterment.com/checking (opens in a new tab) (checked Oct 25, 2026)
Store ratings
These are store ratings from app users on the App Store and Google Play, not a Priceless Tay score.
Google Play rating (Android)
4.6out of 5
19.6K reviews, as shown on Google Play. Updated on Oct 19, 2026.
As of · Google Play listing
App facts
- Last App Store update
- Version 10.1.0, released Nov 10, 2026
- App size
- 150 MB
- Requires
- iOS 16.0 or later
- Runs on
- iPhone
- Languages
- 3 (English and 2 more)
- Developer
- Betterment
As of · App Store listing
What the app looks like, screen by screen
Every image we have of the Betterment app, grouped by task. App Store, Google Play and bank website images are the bank's own marketing, so names and balances are sample data. Help center images come from the bank's support pages. See every bank app's screens.
Home and accounts (5)
App Store marketing imageA Good morning, Alex home screen with total net worth and Betterment balance, and an Accounts list with Cash Reserve, Automated Investing, Self-directed investing and Retirement.App Store listing, as of 
App Store marketing imageA Cash Reserve screen showing a $17,032.38 balance, current APY, FDIC insurance and total interest paid, Deposit and Transfer buttons, and recent activity.App Store listing, as of 
App Store marketing imageAn Accounts list with Cash Reserve at $8,000.00, Automated investing at $40,368.66, Self-directed investing at $5,627.20 and Retirement at $75,915.12.App Store listing, as of 
App Store marketing imageA card showing current APY of 4.25% boosted, FDIC insurance up to $4M and $195.16 total interest paid.App Store listing, as of 
From Betterment's websiteA Checking card showing a $3,048.38 available balance and $36.00 in ATM fees reimbursed, with a No fees label.betterment.com, as of
Card controls (1)
From Betterment's websiteA Manage account panel with a Card lock toggle switched off and a Change debit card PIN row.betterment.com, as of
Investments (10)
App Store marketing imageA Self-directed investing screen showing a $30,000.00 balance with a performance chart and a Holdings list with Amazon and Netflix.App Store listing, as of 
App Store marketing imageA Portfolio options screen asking Choose a portfolio to invest in, listing options such as Betterment Core, Goldman Sachs Smart Beta, Innovative Technology and Climate Impact.App Store listing, as of 
App Store marketing imageAn Automated investing screen listing account benefits including tax losses harvested of $1,742.55 and dividends earned, with an Automate your savings section.App Store listing, as of 
App Store marketing imageA Performance screen showing a $162,387.10 balance with a growth chart, time range buttons and an Accounts list.App Store listing, as of 
App Store marketing imageA Holdings card with Amazon at $4,206.74 and Netflix at $3,597.55 and an Add asset link.App Store listing, as of 
App Store marketing imageA callout showing $1,742.55 in tax losses harvested.App Store listing, as of 
App Store marketing imageA balance and invested line chart from 2011 to today with time range buttons.App Store listing, as of 
From Betterment's websiteAn Automated investing card with a $50,460.82 balance, a 90% stocks ring, a growth chart and time range buttons.betterment.com, as of 
From Betterment's websiteA Self-directed investing header above tiles for AAPL, GOOG, SPY, MSFT, AMZN and NVDA.betterment.com, as of 
From Betterment's websiteA Tax-coordinated portfolio row above Traditional 401(k) at $91,281.24 and Roth IRA at $24,109.32.betterment.com, as of
Sharing with a partner (1)
From Betterment's websiteA row reading Add someone to account with an arrow.betterment.com, as of
Features its official sources state
Betterment's website, help center or app store listing states these 5 app features, in the bank's own words.
- Stated in the bank's official sources
Mobile check deposit
“Deposit paper checks into Checking using Mobile Check Deposit:”
- Stated in the bank's official sources
Card lock and unlock
“Plus you can change your PIN or lock your card from the mobile app.”
As of · betterment.com/checking
- Stated in the bank's official sources
Automatic saving
“Create multiple savings goals and use our automated tools to help you achieve them.”
As of · betterment.com/cash-reserve
- Stated in the bank's official sources
Face or fingerprint sign-in
“you can choose to use the biometric authentication mechanism (such as a thumbprint or facial recognition) provided by your mobile device for access.”
As of · betterment.com/legal/security
- Stated in the bank's official sources
Apple Pay or Google Pay
“Use your tap-to-pay Visa® Debit Card, mobile options like Apple Pay® and Google Pay™ or paper checks.”
As of · betterment.com/checking
✓ means the bank's official sources (its website, help center or official app store listing) state it, with the quote and page shown. ✕ means those sources say the bank doesn't offer it. We never mark a feature ✕ just because a page doesn't mention it.
Privacy and accessibility labels
Apple's privacy labels are what each developer reports to Apple. Apple says it does not verify them. We copy the category names exactly as the App Store lists them.
App privacy
Betterment
Data Used to Track You
- Contact Info
- Identifiers
- Usage Data
Data Linked to You
- Financial Info
- Location
- Contact Info
- User Content
- Identifiers
- Usage Data
- Diagnostics
Data Not Linked to You
Not listed on the App Store page.
As of · App Store listing
Accessibility
Betterment
The App Store listing shows no accessibility labels for this app (checked Oct 25, 2026). That means the developer hasn't listed them, not that the app has no accessibility support.
FAQ
Does Betterment offer a checking or cash account in its app?
Yes, Betterment offers Cash Reserve and Betterment Checking. Betterment says Checking is provided by nbkc bank, Member FDIC, and that you can lock your card and change your PIN from the app.
Is Betterment Cash Reserve FDIC insured through partner banks?
Betterment says it isn't a bank, and that FDIC insurance for Cash Reserve is provided by its program banks, subject to certain conditions.
Can I see investing and cash in one app?
Betterment's site lists automated investing, self-directed investing, crypto investing, Cash Reserve and checking under one Betterment account, managed through its mobile app.
Compare Betterment with another app
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Sources and dates
Betterment
- App Store facts, privacy and accessibility labels, screenshots and icon: App Store listing and Apple's iTunes Lookup API, checked Nov 12, 2026.
- Google Play rating and update date: Google Play listing, checked Oct 25, 2026.
- Features, from Betterment's official sources: betterment.com/help/funding-checking-account, betterment.com/checking, betterment.com/cash-reserve, betterment.com/legal/security.
- Betterment's app covers Cash Reserve and investing. Features are read from betterment.com/cash-reserve.
How we compare bank apps explains every source and what we don't do yet. See every bank app.
This is education, not financial advice.
