# Betterment Invest & Save Money — user reviews > 336 indexed App Store user reviews of Betterment Invest & Save Money by Betterment, rated 4.80/5 from 64,723 ratings. - Source: https://appshunter.io/ios/app/betterment-invest-and-save-money/id393156562/reviews - App overview in markdown: https://appshunter.io/ios/app/betterment-invest-and-save-money/id393156562.md - Rating breakdown: 5★ 57,026 · 4★ 4,270 · 3★ 1,198 · 2★ 523 · 1★ 1,706 ## What do users think of Betterment Invest & Save Money? Overall sentiment: mixed **Pros** - 💰 High yield savings account - 🔍 Easy to link and manage accounts - 🤖 Automated investing and portfolio management - 👨‍💻 Responsive customer service - 🏆 Positive investment returns **Cons** - 🤖 Automated investing underperforms manual investing - 🤔 Unclear account selection when making deposits - ⏱️ Slow transfer and withdrawal process - 🔒 Security issues with account access - 🙅‍♀️ Lack of transparency and communication **Commonly reported bugs** - Account access issues and unexpected account closures - Recurring deposit scheduling problems - Mobile app crashes and login loops **Most requested features** - Allow linking of multiple bank accounts - Provide more detailed performance reporting - Offer physical cash access (e.g. cashier's checks) - Improve mobile app functionality and UI - Enhance tax-loss harvesting capabilities ## Newest reviews (10 of 336) ### 3/5 — Not great for small amounts *2026-07-16, version 9.47.0* I haven’t made money with them, only lost like $10 ### 2/5 — Misleading *2026-07-06, version 9.45.0* The hype: “deposit $50 and let AI do the work… check back in a few months to finds you have THOUSANDS…” The reality: I’ve been depositing $50 every 2 weeks for almost 3 months. I have LOST money! Not a lot, be certainly not the magic AI money making machine it suggests it is. ### 3/5 — TOO MANY APP UPDATES *2026-06-27, version 9.44.0* Every time I open this app I have to download a new update. EVERY. SINGLE. TIME. And when I tried to politely email this theres no way to contact them. Is it an easy access high yield savings account? Yes. Unfortunately when we opened it was 4.5 percent and down its way down. My husband says thats based on federal interest rates but either way, we’re not making as much now from our money but it’s still way better than a regular checking/savings account. And easy to move money in and out. ### 2/5 — Navigation improvements *2026-06-25, version 9.44.0* It’s hard to navigate through the app. ### 5/5 — Great app and Financial Catch All *2026-06-22, version 9.43.0* My wife and I use better for our main joint checking account, joint High Yield Savings Accounts, Joint Taxable Investment Accounts, and Individual IRAs. The app is user friendly, the service is great, International and ATM fees are reimbursed, the investing is as easy as it gets, and it’s seamless to have all accounts under one roof. Couldn’t be happier! ### 4/5 — Slow transfers *2026-06-21, version 9.43.0* Love the app. Love the company. Love the features. Biggest frustration is how long it takes to send and receive money. Even within the Betterment app from checking to savings, it can take up to three business days. That is just not acceptable with all the competition out there. ### 4/5 — Opaque *2026-06-17, version 9.43.0* I have to jump through the hoop to find dates and amounts of trades. Merrill edge spells out each trade. Why can’t Betterment? ### 2/5 — Misleading withdrawal *2026-06-09, version 9.41.0* Got a message saying that they would take 1-3 business days to get me my money, it has been six business days, and I still have not gotten it. This is not the first time this has occurred, other than that is a great app. ### 4/5 — World Traveler. *2026-06-08, version 9.41.0* Really good set up/ the daily ATM limit for this world is a bit low but enjoying Betterment. ### 1/5 — Slowest ever *2026-06-05, version 9.41.0* They like to hold your funds even after clearing. Never using this trash again. 0 stars. ## Most critical reviews (10 lowest-rated) ### 1/5 — DO NOT USE *2026-08-28, version 9.53.1* Terrible customer service and asset allocation. I had this for 8 years and barely made any money. Save your assets and put them in something credible like Vanguard or Fidelity. ### 1/5 — Worst app ever *2026-08-17, version 9.51.0* Worst app ever ### 1/5 — Too slow and does not load the portfolio. *2026-08-17, version 9.51.0* Highly disappointed at their website and app performance. It never loads my portfolio and I am looking to move out to a different provider very soon. ### 1/5 — Hate it. *2026-08-13, version 9.51.0* They don’t have sector specific funds and it’s almost impossible to reallocate investments in the app. Wth is this? ### 1/5 — Not user friendly *2026-08-13, version 9.51.0* I’ve had multiple accounts set up for weeks and while they have no problem transferring money in- whenever I try to withdraw suddenly they have a problem and need to verify identity and go through multiple security loops. It will take me a solid week to get my money. I plan on taking out all my money and going elsewhere agreed this. I’ve had customer service hang up because they can’t listen to feedback. They don’t explain why they can’t verify anything. No notes. Horrible service. ### 1/5 — 😞 *2026-08-12, version 9.51.0* I must be a genius. My returns are doing better than betterment. Should be called worsement. ### 1/5 — Update fraud prevention *2026-07-27, version 9.48.1* Wasted an hour because app told me to call the wrong number when I clicked my locked card. ### 1/5 — they lost all my money then charged me fees for maintaining it 🤩 *2026-07-08, version 9.46.0* after years of investing, my net gain was negative 200% !! 🙏 amazing 😍 if i wanted to gamble away my retirement fund i would’ve gone to the casino and done it with a drink in my hand ### 1/5 — Cannot easily change my investments *2026-07-03, version 9.45.0* Your instructions for managing investments in the mobile app are inaccurate. They do not match what is on the app. At ### 1/5 — Don’t recommend *2026-06-09, version 9.41.0* No option to turn off direct reinvestment or “drip” ## Most praised reviews (10 highest-rated) ### 5/5 — All round great *2026-08-06, version 9.50.0* Easy to use, and the customer service is quick and very helpful. ### 5/5 — Easy interface *2026-08-05, version 9.50.0* The app is intuitive & easy to use. Appreciate that I can connect my other investments & I get a satisfying big picture of growing nest egg. Also like the tax loss harvesting & ability to have separate savings accounts for short term goals like travel, and large ticket items. ### 5/5 — Mostly Great *2026-07-31, version 9.49.0* There's a handful of operations that can only be done on a desktop, but the app is good for the day-to-day. A years-old frustration is that once an external account is assigned to the Retirement goal, it cannot be unassigned. "None" is an option, but that election does not stick when selected. Have to unlink the whole account and link it again to unassign it. ### 5/5 — Easy to save *2026-07-29, version 9.49.0* The app is great so you can move money, invest, or make interest ### 5/5 — Easy online trusted banking *2026-07-24, version 9.48.1* Easy to navigate and open new accounts. Love how I have the freedom to choose how I allocate my investments during the changing markets. Especially love the no fee atm withdrawals!!! ### 5/5 — BradR2 *2026-07-23, version 9.48.0* I’ve been with Betterment for over 10 years. Low fees and easy to understand. Start now instead of later. Set a weekly amount and it’s smooth sailing. You’ll be glad you did! ### 5/5 — Great App *2026-07-19, version 9.47.0* Great Bank ### 5/5 — New to betterment *2026-07-16, version 9.47.0* I’ll write more after I see a change in my finances ### 5/5 — How do I see each account’s holding? *2026-07-09, version 9.46.0* How do I see the total balances and the holdings for each account (Roth and Traditional IRA) separately? Without doing my own manual tabulations? ### 5/5 — Suggestion *2026-06-30, version 9.44.0* I generally love using this app but I’d really like the function to exclude some accounts from total net worth — for example, I have a shared savings account with my partner that I’d rather leave out of personal asset calculation. --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-04.*