Customers can earn free time on their entire Betterment account by inviting friends and family to Betterment. For each friend who joins and funds an account from your referral link, you will receive 30 days free, and your friend will receive 6 months free. If you invite three friends who join and fund an account, you will receive one full year free.

Important terms & conditions:
The offer is valid only for new individual accounts with Betterment. Please send invitations only to people you know personally who will be glad to get them. Betterment will send one invitation and up to two reminders to each friend you invite: (1) in your name; and/or (2) with your name. The reminders may be different from the original invitation and can be canceled by emailing support@betterment.com. To qualify for the bonus, referred friends must make an initial deposit within 90 days of signup and not withdraw that initial deposit for 90 days.


 Your participation in the Betterment Refer a Friend Program is subject to the following terms and agreements: Through the Betterment Refer a Friend Program you will invite friends to sign-up for a Betterment account by sending them an invitation via the Betterment interface, and your efforts in soliciting clients to Betterment will be limited to this activity. For each "Qualifying New Account" Betterment will waive its fees applicable to your Betterment account for a period of 30 days, and Betterment will also waive its fees applicable to your Betterment referee friend's account for a period of 180 days, both such periods as determined by Betterment. For every third "Qualifying New Account" Betterment will waive its fees applicable to your Betterment account for a period of 30 days plus 1 year, and Betterment will also waive its fees applicable to your Betterment referee friend's account for a period of 180 days, both such periods as determined by Betterment. For avoidance of doubt, Betterment will waive its fees applicable to your Betterment account for a period of 30 days for each "Qualifying New Account" and for an additional 1 year for the third "Qualifying New Account" for a sum total of 90 days and 1 year for the three "Qualifying New Accounts". A "Qualifying New Account" is a new individual Betterment account opened by your Betterment referee friend using the special designated link from your invitation, which your referee friend funds with an initial deposit and does not withdraw that initial deposit for 90 days. Betterment is not responsible for incorrect entry or other failure on the part of your referees to meet standards of a Qualifying New Account. Employer-sponsored retirement accounts provided through Betterment For Business are not Qualifying New Accounts. If you are a participant in your employer’s retirement plan through Betterment For Business, and also have a personal Betterment account, only your personal account will receive fee waivers under the Betterment Refer a Friend Program. Accounts advised through the Betterment for Advisors platform are also not Qualifying New Accounts, and if you become advised through the Betterment for Advisors platform during a period in which Betterment is waiving the fees applicable to your account under the Refer a Friend program, Betterment will not waive any fees following such date.  This promotion does not apply to any fees charged by an advisor you are matched with through the Betterment Advisor Network.This promotion is not valid with any other offers and is non-transferrable. Offer available to U.S. Residents only. Betterment reserves the right to terminate this offer at any time, to limit the amount of account bonuses you are eligible to receive, and to refuse or recover any promotion award if Betterment determines that it was obtained under wrongful or fraudulent circumstances, that inaccurate or incomplete information was provided in opening the account, or that any terms of the Betterment Account Agreements have been violated. In referring friends to open a Betterment account you are acting on behalf of Betterment and under the supervision and control of Betterment. You agree to limit the information you provide in connection with the referral to the referral web page and email provided by Betterment. You agree that your participation in the Betterment Referral Program will conform to the terms contained herein as well as the provisions of the Investment Advisers Act of 1940, 15 U.S.C. ¬ß 80b-1, and the rules thereunder. You hereby represent that: (1) you are not subject to any statutory disqualification set forth in Sections 203(e) and 203(f) of the Investment Advisors Act (or any amended or replacement regulatory provision(s)); (2) you are not currently the subject of any investigation or proceeding which could result in statutory disqualification; and (3) you do not have a "place of business" at which you regularly provide investment advisory services, solicit, meet with, or otherwise communicate with clients, or any other location that is held out to the general public as a location at which you provide investment advisory services, solicit, meet with, or otherwise communicate with clients in any U.S. state. If you cannot accurately make the preceding representations, you may not participate in the Refer a Friend Program. If you are currently participating in the Refer a Friend Program and the preceding representations become inaccurate, you agree to immediately inform Betterment at support@betterment.com.