Investing comparison
Betterment vs Bloom
Updated
Before you compare: This compares features and fees from each company's own pages. It isn't investment advice, and investing involves risk, including loss of money.
Full disclosure: Taylor Price, who runs Priceless Tay, owns Fifecta, so keep that in mind as you read this comparison.
Short answer
Betterment and Bloom are both investing apps. Betterment's base price for investing accounts is $5/month, while Bloom offers a $15 monthly plan and a $99.99 annual plan, and its custodial plan costs $150 a year. We checked both on Oct 24, 2026, and the official sources differ on 5 of the 10 rows in the table below.
Betterment vs Bloom at a glance
Betterment and Bloom are both investing apps. This page puts what each company's official pages and app store listings say side by side, with the date we checked every fact. The sources differ on 5 of the 10 rows in the table below.
Management or subscription fee
Betterment's base price for investing accounts is $5/month. It switches to 0.25% a year of your investing balance once you set up recurring monthly deposits of $200 or more or reach a $24,000 balance. Premium is 0.65% a year and needs $100,000 invested. Bloom offers a $15 monthly plan and a $99.99 annual plan, and its custodial plan costs $150 a year. We checked both on Oct 24, 2026.
Account minimum
Betterment says pricing for its investment portfolios begins at $5/month, with no minimum balance. Bloom has no minimum account balance, but deposits and stock orders must be at least $1. We checked both on Oct 24, 2026.
Stock and ETF commissions
Betterment says you'll pay no trading commissions on stocks and ETFs, and its management fee doesn't apply to those trades. We haven't verified this for Bloom yet, so check the official site for Bloom before you decide. We checked Betterment on Oct 24, 2026.
Account types
Betterment lists these account types: Taxable investing accounts, Traditional IRA, Roth IRA, SEP IRA, Solo 401(k) and HSA. Bloom lists these account types: Investing account and UTMA/UGMA custodial brokerage accounts for teens 13-17. We checked both on Oct 24, 2026.
Automatic investing
Betterment says it automates portfolio rebalancing, dividend reinvesting and taxes for you. We haven't verified this for Bloom yet, so check the official site for Bloom before you decide. We checked Betterment on Oct 24, 2026.
Managed portfolios (robo)
Betterment says it builds a diversified portfolio and handles all trading, rebalancing and tax management for you. We haven't verified this for Bloom yet, so check the official site for Bloom before you decide. We checked Betterment on Oct 24, 2026.
Protection
Betterment Securities is a member of SIPC, which protects securities of its members up to $500K (including $250K for claims for cash). Bloom's brokerage accounts are held at Alpaca Securities, a SIPC member. SIPC protection is limited to $500,000, including a $250,000 limit for cash. We checked both on Oct 24, 2026.
Platforms
Bloom lists iOS and Android. We haven't verified this for Betterment yet, so check the official site for Betterment before you decide. We checked Bloom on Oct 24, 2026.
App store rating
Betterment has 4.8 out of 5 on the App Store from 66,106 ratings. Bloom has 4.8 out of 5 on the App Store from 46,596 ratings. We checked both on Oct 24, 2026. Store ratings are a dated snapshot from each listing, not our score.
What it costs
BettermentBetterment's base price for investing accounts is $5/month. It switches to 0.25% a year of your investing balance once you set up recurring monthly deposits of $200 or more or reach a $24,000 balance. Premium is 0.65% a year and needs $100,000 invested.
As of · betterment.com/pricing
Bloom$15a month
Bloom offers a $15 monthly plan and a $99.99 annual plan, and its custodial plan costs $150 a year.
Cost over 1 and 3 years: $99.99 and $299.97, at the yearly list price before tax.
As of · bloomapp.com/faq
Bars show only when every app here lists a yearly price, so these prices sit side by side without them. Prices are list prices from each app's own page, before tax and any offer. Investing fees appear as each company states them. A yearly advisory fee is a percent of your balance, not a monthly price, so it never gets a bar or a price tag.
At a glance
App Store rating
- Betterment
- 4.866,106 ratings
- Bloom
- 4.846,596 ratings
Source
- Betterment has 4.8 out of 5 on the App Store from 66,106 ratings. App Store listing, as of Oct 24, 2026.
- Bloom has 4.8 out of 5 on the App Store from 46,596 ratings. App Store listing, as of Oct 24, 2026.
Platforms
- Betterment
- Not verified yet
- Bloom
- iOS
- Android
Source
- Betterment: Not verified yet.
- Bloom lists iOS and Android. bloomapp.com, as of Oct 24, 2026.
Account minimum
- Betterment
- Betterment says pricing for its investment portfolios begins at $5/month, with no minimum balance.
- Bloom
- Bloom has no minimum account balance, but deposits and stock orders must be at least $1.
Source
- Betterment says pricing for its investment portfolios begins at $5/month, with no minimum balance. betterment.com/pricing, as of Oct 24, 2026.
- Bloom has no minimum account balance, but deposits and stock orders must be at least $1. bloomapp.com/faq, as of Oct 24, 2026.
Stock and ETF commissions
- Betterment
- Betterment says you'll pay no trading commissions on stocks and ETFs, and its management fee doesn't apply to those trades.
- Bloom
- Not verified yet
Source
- Betterment says you'll pay no trading commissions on stocks and ETFs, and its management fee doesn't apply to those trades. betterment.com/pricing, as of Oct 24, 2026.
- Bloom: Not verified yet.
Protection
- Betterment
- Betterment Securities is a member of SIPC, which protects securities of its members up to $500K (including $250K for claims for cash).
- Bloom
- Bloom's brokerage accounts are held at Alpaca Securities, a SIPC member. SIPC protection is limited to $500,000, including a $250,000 limit for cash.
Source
- Betterment Securities is a member of SIPC, which protects securities of its members up to $500K (including $250K for claims for cash). betterment.com, as of Oct 24, 2026.
- Bloom's brokerage accounts are held at Alpaca Securities, a SIPC member. SIPC protection is limited to $500,000, including a $250,000 limit for cash. sipc.org/for-investors/what-sipc-protects, as of Oct 24, 2026.
Features
| Feature | Betterment | Bloom |
|---|---|---|
| AI features | Not verified yet | Listed by the source |
✓ means the official site lists it. ? means we haven't verified it yet, not that the app lacks it. Bloom: bloomapp.com, as of Oct 24, 2026.
Screen by screen
Pick a task to see what each app shows for it. App Store and Google Play images are the apps' own marketing, so they can show sample data and staged layouts. Help center images come from the app's support articles. See every app's screens.
Investments
Betterment
No official screen found yet
Bloom
App Store marketing imageApp Store image with the headline "Build wealth early" showing an investing potential chart and an amount picker.App Store listing, as of 
App Store marketing imageApp Store image with the headline "Copy the trades of top investors" showing a Discover screen with portfolios.App Store listing, as of
Getting started
Betterment
No official screen found yet
Bloom
App Store marketing imageApp Store image with the headline "Earn free stocks" showing a Welcome to Bloom screen offering $75 for completing a first lesson.App Store listing, as of
AI assistant
Betterment
No official screen found yet
Bloom
App Store marketing imageApp Store image with the headline "Your AI stock assistant" showing a Bloomie chat with suggested questions.App Store listing, as of
Other screens
Betterment
App Store marketing imageApp Store image 1 of 4 from the Betterment listing.App Store listing, as of 
App Store marketing imageApp Store image 2 of 4 from the Betterment listing.App Store listing, as of 
App Store marketing imageApp Store image 3 of 4 from the Betterment listing.App Store listing, as of 
App Store marketing imageApp Store image 4 of 4 from the Betterment listing.App Store listing, as of
Bloom
App Store marketing imageApp Store image with the headline "Learn to invest" showing a lesson path and a quiz card.App Store listing, as of 
App Store marketing imageApp Store image with the headline "Swipe to invest in the stories you believe in" showing stacked news cards with stock prices.App Store listing, as of 
App Store marketing imageApp Store image with the headline "Practice trading" showing a paper trading screen and a tournament card.App Store listing, as of
Betterment and Bloom, side by side
Rows marked “Differs” are where the official sources say different things, and 5 rows do here.
Swipe the table sideways to see both apps.
| Field | BettermentInvesting appBetterment is an automated investing app with managed portfolios, IRAs and other retirement accounts, and commission-free stock and ETF trading.Visit Betterment's site | BloomInvesting appBloom is a subscription app for learning to invest, with lessons, games and an investing account for adults and teens.Visit Bloom's site |
|---|---|---|
| Management or subscription feeDiffers | Betterment's base price for investing accounts is $5/month. It switches to 0.25% a year of your investing balance once you set up recurring monthly deposits of $200 or more or reach a $24,000 balance. Premium is 0.65% a year and needs $100,000 invested.As of Oct 24, 2026. Source: betterment.com/pricing | Bloom offers a $15 monthly plan and a $99.99 annual plan, and its custodial plan costs $150 a year.As of Oct 24, 2026. Source: bloomapp.com/faq |
| Account minimumDiffers | Betterment says pricing for its investment portfolios begins at $5/month, with no minimum balance.As of Oct 24, 2026. Source: betterment.com/pricing | Bloom has no minimum account balance, but deposits and stock orders must be at least $1.As of Oct 24, 2026. Source: bloomapp.com/faq |
| Stock and ETF commissions | Betterment says you'll pay no trading commissions on stocks and ETFs, and its management fee doesn't apply to those trades.As of Oct 24, 2026. Source: betterment.com/pricing | Not verified yet. |
| Account typesDiffers | Betterment lists these account types: Taxable investing accounts, Traditional IRA, Roth IRA, SEP IRA, Solo 401(k) and HSA.As of Oct 24, 2026. Source: betterment.com/pricing | Bloom lists these account types: Investing account and UTMA/UGMA custodial brokerage accounts for teens 13-17.As of Oct 24, 2026. Source: bloomapp.com/faq |
| Fractional shares | Not verified yet. | Not verified yet. |
| Automatic investing | Betterment says it automates portfolio rebalancing, dividend reinvesting and taxes for you.As of Oct 24, 2026. Source: betterment.com | Not verified yet. |
| Managed portfolios (robo) | Betterment says it builds a diversified portfolio and handles all trading, rebalancing and tax management for you.As of Oct 24, 2026. Source: betterment.com | Not verified yet. |
| ProtectionDiffers | Betterment Securities is a member of SIPC, which protects securities of its members up to $500K (including $250K for claims for cash).As of Oct 24, 2026. Source: betterment.com | Bloom's brokerage accounts are held at Alpaca Securities, a SIPC member. SIPC protection is limited to $500,000, including a $250,000 limit for cash.As of Oct 24, 2026. Source: sipc.org/for-investors/what-sipc-protects |
| Platforms | Not verified yet. | Bloom lists iOS and Android.As of Oct 24, 2026. Source: bloomapp.com |
| App store ratingDiffers | Betterment has 4.8 out of 5 on the App Store from 66,106 ratings.As of Oct 24, 2026. Source: App Store listing | Bloom has 4.8 out of 5 on the App Store from 46,596 ratings.As of Oct 24, 2026. Source: App Store listing |
App store ratings are a dated snapshot from each store listing, not our score. “Not verified yet” means we don't have a current official source for that line. How we source and date this data. Spotted a change? Tell us if something changed.
Weighing a third option? Add up to two more apps to this table and compare up to four side by side.
Who it's for
Pick the tab that sounds like you. The questions come from app help centers, FAQ pages and user forums, and every answer comes from the app's own pages, with the date we checked it.
Just me
Budgeting on your own? These are the basics people ask about first.
Is it free?
Betterment
Not verified yet
Bloom
Bloom offers a $15 monthly plan and a $99.99 annual plan, and its custodial plan costs $150 a year.
As of . Source: bloomapp.com
Family
Bringing in more of the household? Here's what each app says about families and kids. See apps with custodial accounts for kids.
Does it have accounts or features for kids or teens?
Betterment
Not verified yet
Bloom
Yes. It has accounts or features for kids or teens.
In their words: “Bloom charges a subscription fee for access to an investing account (including UTMA/UGMA custodial brokerage accounts for teens 13-17), 200+ interactive financial lessons, and stock rewards for learning.”
As of . Source: bloomapp.com
“Not verified yet” means we haven't found a current official source that answers it, not that the app can't. We only say no when the app's own page does.
Which fits your Money Type?
There are four Money Types: Strategist, Spender, Saver and Scrambler. Each card matches one type to what the sources say about these two apps.
StrategistNeither app's sources confirm a feature we match to this type yet, so the quiz is the better place to start.
First fix: Save the Raise.
SpenderNeither app's sources confirm a feature we match to this type yet, so the quiz is the better place to start.
First fix: Sleep on It.
SaverNeither app's sources confirm a feature we match to this type yet, so the quiz is the better place to start.
First fix: Put It to Work.
ScramblerNeither app's sources confirm a feature we match to this type yet, so the quiz is the better place to start.
First fix: Bills First.
Not sure which one you are? Take the free Money Types quiz. It takes about two minutes.
Full disclosure: Taylor Price, who runs Priceless Tay, owns Fifecta, so keep that in mind as you read this comparison.
Another option: Fifecta
If neither Betterment nor Bloom feels right, here is one more option to look at. Fifecta gives every paycheck a plan with FUNDS, and it starts from your Money Type, so the plan matches how you already handle money.
What real users say
These are other people's opinions, not Priceless Tay's. We quote public reviews and posts word for word, link each one and show its date, but we haven't checked the claims in them. A post counts toward a theme when it uses one of that theme's keywords, so a mention can be praise or a complaint.
What Bloom users say
Based on 500 App Store reviews, 3 Reddit posts and 2 YouTube videos dated Nov 2025 to Oct 2026, read Oct 2026. We collected the Reddit and YouTube data with Apify, a scraping service, on Oct 24, 2026.
- Of the 505 reviews, posts and videos we read, 223 mention learning about investing.
- Of the 505 reviews, posts and videos we read, 71 mention how easy or hard the app is to use.
- Of the 505 reviews, posts and videos we read, 22 mention the price, fees or the subscription.
Positive
“...my favorite feature is the learning section of it. It has helped me understand so much that I wish I knew when I was younger!”
Mixed
“My kids are on bloom and it has been great so far. Only downside is you have to pay for it but worth it imo.”
Critical
“There is no way to avoid the $15 subscription with Bloom even if you are not using the "learning" platform.”
Where these come from
- Bloom reviews on the App Store, read Oct 24, 2026. The public feed returns the 500 most recent US reviews. We kept every one dated inside the window.
- Hacker News search for Bloom, read Oct 24, 2026. Public search of comments and posts. 0 named the app; we kept 0 where the writer shares their own use of it.
- Reddit search for Bloom, collected Oct 24, 2026. Collected with Apify (harshmaur/reddit-scraper) on Oct 24 2026: a keyword search for "Bloom investing app", posts and comments from after Oct 24 2025. It returned 79, most of them about something else. We kept 3 where the writer shares their own use of the app or a clear opinion of it. We left out moderators, bots, company accounts, referral posts and people promoting their own apps.
- YouTube search for Bloom, collected Oct 24, 2026. Collected with Apify (streamers/youtube-scraper) on Oct 24 2026: a search for "Bloom investing app review" from the past year, up to 8 videos. It returned 8. We kept 2 and left out the app's own channel, sponsored videos, videos with affiliate or referral links and videos about a different product. We count themes from each video's title, description and captions, but we don't quote videos, because the captions we have carry no timestamps.
- u/Mother-Mountain9299 in r/OracleStock on Reddit, Oct 15, 2026.
- u/ConditionSufficient7 in r/investingforbeginners on Reddit, Jul 14, 2026.
- "Investing For Beginners Is Now Accessible With Bloom | Bloom App Review" by SaaS Reviews on YouTube, Jul 7, 2026.
- u/itsyourboyjjjj in r/investing on Reddit, Mar 8, 2026.
- "How to Use Bloom Investment App for Teens App Properly Beginner Mistakes That Cost You" by Whodunnit Den on YouTube, Nov 12, 2025.
FAQ
How much does Betterment charge?
Betterment's base price for investing accounts is $5/month. It switches to 0.25% a year of your investing balance once you set up recurring monthly deposits of $200 or more or reach a $24,000 balance. Premium is 0.65% a year and needs $100,000 invested. We checked this on Oct 24, 2026.
How much does Bloom charge?
Bloom offers a $15 monthly plan and a $99.99 annual plan, and its custodial plan costs $150 a year. We checked this on Oct 24, 2026.
What is Betterment's app store rating?
Betterment has 4.8 out of 5 on the App Store from 66,106 ratings. That's a snapshot from the store listing on Oct 24, 2026, not our score.
What is Bloom's app store rating?
Bloom has 4.8 out of 5 on the App Store from 46,596 ratings. That's a snapshot from the store listing on Oct 24, 2026, not our score.
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Keep comparing
- See Betterment alternatives, closest category first.
- See Bloom alternatives, closest category first.
- Browse our guide to the low-cost brokerage accounts.
- Want the bigger picture? Compare more money apps.
Full disclosure: Taylor Price, who runs Priceless Tay, owns Fifecta, so keep that in mind as you read this comparison.
Want a plan built on your Money Type?
Fifecta gives every paycheck a plan with FUNDS, so you know where each dollar goes.
Sources and confidence
- Last checked
- Not verified yet
- 6 of 20 facts
Betterment8 of 10 verified, 2 not verified yet, last checked Oct 24, 2026
- Management or subscription feebetterment.com/pricing, as of Oct 24, 2026
- Account minimumbetterment.com/pricing, as of Oct 24, 2026
- Stock and ETF commissionsbetterment.com/pricing, as of Oct 24, 2026
- Account typesbetterment.com/pricing, as of Oct 24, 2026
- Fractional sharesNot verified yet
- Automatic investingbetterment.com, as of Oct 24, 2026
- Managed portfolios (robo)betterment.com, as of Oct 24, 2026
- Protectionbetterment.com, as of Oct 24, 2026
- PlatformsNot verified yet
- App store ratingApp Store listing, as of Oct 24, 2026
Bloom6 of 10 verified, 4 not verified yet, last checked Oct 24, 2026
- Management or subscription feebloomapp.com/faq, as of Oct 24, 2026
- Account minimumbloomapp.com/faq, as of Oct 24, 2026
- Stock and ETF commissionsNot verified yet
- Account typesbloomapp.com/faq, as of Oct 24, 2026
- Fractional sharesNot verified yet
- Automatic investingNot verified yet
- Managed portfolios (robo)Not verified yet
- Protectionsipc.org/for-investors/what-sipc-protects, as of Oct 24, 2026
- Platformsbloomapp.com, as of Oct 24, 2026
- App store ratingApp Store listing, as of Oct 24, 2026
Each fact links to the official page it came from, with the date we checked it. Once a fact is older than its app's window (8 days for apps whose rates change often, 35 days for the rest), it reads “Not verified yet” until we check it again. How we source, date and index this data.
This is education, not financial advice.
