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Betterment trading bots review

BrokerClosed in GermanyReview updated 6 Nov 2026 · Score last changed 6 Nov 2026 · BotIndex editorial team
Visit Betterment ↗
Score5.4/10Preliminary
Bot types2ETFs + Stocks
Price$5/mo or 0.25%/yr (Digital)Betterment — Pricing
Commission$0 trading commissionsBetterment — Pricing
Min. investmentNo account minimum; $10 min depositBetterment — Form CRS (Oct 27, 2026)
Last checked6 Nov 202618 sources

Verdict

Betterment is a US robo-advisor with goal-based portfolios, automatic rebalancing and tax-loss harvesting. It costs $5 a month, or 0.25% a year once you have $24,000 or deposit $200+ a month; Premium is 0.65% with a $100,000 minimum. It is an SEC-registered adviser with a FINRA/SIPC broker. Its Form CRS discloses legal or disciplinary history and that its broker receives payment for order flow. US residents only.

PROS+ No account minimum ($10 to start)+ Rebalancing and tax-loss harvesting+ $0 trading commissions
CONS− US residents only− Disciplinary history disclosed in Form CRS− Payment for order flow

Regulation

Betterment LLC is registered with the SEC as an investment adviser (Form CRS). FINRA BrokerCheck data: Betterment (CRD 149117, SEC 801-70171) investment adviser ACTIVE; Betterment Securities / MTG LLC (CRD 47788, SEC 8-51906) broker-dealer ACTIVE. Register: https://api.brokercheck.finra.org/search/firm?query=betterment&hl=true&nrows=12&start=0&r=25&wt=json

As stated on the provider’s pages or a regulator register; check the register yourself before you deposit.

How the score is built PRELIMINARY

Methodology
CriterionWeightScoreCommentSource
Bot variety25%3.85 strategy familiesBetterment — Pricing · 6 Nov 2026
Fees20%7.5$5/mo or 0.25%/yr (Digital); exchange fees on topBetterment — Pricing · 6 Nov 2026
Safety & licensing20%Not scoredNo primary source yet — weight redistributedNo primary source yet
Ease of use15%Not scoredNo primary source yet — weight redistributedNo primary source yet
Support10%Not scoredNo primary source yet — weight redistributedNo primary source yet
Transparency10%Not scoredNo primary source yet — weight redistributedNo primary source yet

Bots on Betterment 2

BotMarketBest whenMin. investmentMax leverage
Betterment Digital (managed portfolios)SpotYou want automated ETF portfolios with rebalancing and tax-loss harvestingNot verified—
Betterment PremiumSpotYou hold $100,000+ and want access to financial consultants on top of automation$100,000—

Fees

FeeValueSource
Price$5/mo or 0.25%/yr (Digital)Betterment — Pricing · 6 Nov 2026
Commission$0 trading commissionsBetterment — Pricing · 6 Nov 2026
Futures / derivatives feeNot verifiedNo primary source yet

Availability by country

All countries →
CountryStatusFrom the termsChecked
GermanyClosed“for regulatory reasons cannot accept international customers residing outside the United States.” source6 Nov 2026
United KingdomClosed“for regulatory reasons cannot accept international customers residing outside the United States.” source6 Nov 2026
United StatesAvailable“Customers must have a permanent U.S. address and a U.S. Social Security Number or an ITIN.” source6 Nov 2026
CanadaClosed“for regulatory reasons cannot accept international customers residing outside the United States.” source6 Nov 2026
SingaporeClosed“for regulatory reasons cannot accept international customers residing outside the United States.” source6 Nov 2026
AustraliaClosed“for regulatory reasons cannot accept international customers residing outside the United States.” source6 Nov 2026
NetherlandsClosed“for regulatory reasons cannot accept international customers residing outside the United States.” source6 Nov 2026
FranceClosed“for regulatory reasons cannot accept international customers residing outside the United States.” source6 Nov 2026

Not legal advice. A platform may still refuse an individual user.

FAQ

How much does Betterment cost?

$5 a month, or 0.25% a year from $24,000 or with $200+ monthly deposits; Premium is 0.65%.

Can Betterment trade automatically?

Yes. It manages and rebalances your portfolio automatically.

Can I use Betterment in the United States?

Yes. Betterment cannot accept customers residing outside the United States.

Sources

By the BotIndex editorial team. Methodology. Trading bots do not remove market risk.