Betterment vs Public bonus (October 2026)
Side-by-side current offers, holding periods and rates.
| Broker | Offer | Bonus | Min deposit/transfer | Holding period | Expiry | Cash rate | Base margin | Status | Last checked |
|---|---|---|---|---|---|---|---|---|---|
| Betterment | Deposit/transfer bonus | $100@$1k-9,999; $125@$10k; $250@$25k; $750@$50k; $1,250@$100k; $2,000@$200k+ (non-cumulative); deposit within 45 days of enrolling | $1,000 | 3 years | 2026-11-30 | 3.50% APY (Cash Reserve) | Verified | 2026-10-20 | |
| Public | ACATS/IRA/401k transfer match | 1% of transferred value, uncapped, paid in up to 60 monthly installments, no clawback | 5 years (payout spread) | No end date posted | 3.30% APY (High-Yield Cash Account) | 5.15% | Verified | 2026-10-20 |
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