Updated September 29, 2026 · BrokerCue Editorial Team
Betterment vs Webull
Betterment vs Webull: the differences
| Compare |  Betterment |  Webull |
|---|---|---|
| Markets | Stocks, ETFs, Bonds | Stocks, ETFs, Options, Futures, Crypto, Bonds, FundsCovers more |
| Regulators | U.S. Securities and Exchange Commission (SEC) registered investment adviser, Financial Industry Regulatory Authority (FINRA) Betterment Securities broker dealer member, SIPC | FINRA, SEC, SIPC |
| Deposit and withdrawal fees | No fees | $0 incoming stock transfer |
| Account types | IRA, Roth IRACovers more | IRA |
| Minimum deposit | $10 | Not confirmed |
| Stock trade fee | Not confirmed | $0 |
| Account fee | $0 | Not confirmed |
| Options contract fee | Not confirmed | $0 |
| Platforms | Not confirmed | Desktop, Mobile, Web |
| Interest on cash | 3.5% | Not confirmed |
Same on both: Investor protection (SIPC up to USD 500,000).
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Key differences
- Regulators: only Betterment offers U.S. Securities and Exchange Commission (SEC) registered investment adviser, Financial Industry Regulatory Authority (FINRA) Betterment Securities broker dealer member.
- Regulators: only Webull offers FINRA, SEC.
- Markets: only Webull offers Options, Futures, Crypto.
- Account types: only Betterment offers Roth IRA.
- Support channels: only Betterment offers Chat.
Our verdict on each
Betterment
Betterment suits US savers who want a robo-managed IRA with a flat, low management fee and SIPC cover. It charges a management fee of 0.25%, sits mid-table among robo-advisors on that fee, and offers only IRA and Roth IRA accounts, so UK and European readers may look elsewhere.
Webull
Webull suits US retail investors who want a single app for stocks, options, futures, crypto and retirement saving, and the fee line is the draw: a stock trade costs $0. Investor protection is SIPC up to USD 500,000, though the account range is narrow.
Score breakdown
| Area | Betterment | Webull |
|---|---|---|
| Cost | 9.3Management fee of 0.25% and no account fee, with a minimum investment of $10. | 9.7Higher |
| Offer | 9.7Higher | 9.3 |
| Trust | 9.7 | 9.8Higher |
Availability and regulation
| Country | Betterment | Webull |
|---|---|---|
| United States | SIPC SIPC member 51906 | SIPC SIPC member 71394 |
Available in 1 country for both.
How they place
| Ranking | Betterment | Webull |
|---|---|---|
| Stock and ETF brokers | 33 of 490 | 36 of 490 |
| Investment platforms and apps | 6 of 85 | 7 of 85 |
| IRA providers | 4 of 43 | 5 of 43 |
Every fact side by side
| Fact | Betterment | Webull |
|---|---|---|
| Features | Not confirmed | Crypto, Demo account, Fractional shares, Options, Futures, Mobile app |
| Pricing model | Not confirmed | Commission free |
| Legal entity | MTG LLC | WEBULL FINANCIAL LLC |
| Headquarters | United States | Not confirmed |
| Founded | 2008 | Not confirmed |
| Support channels | Phone, Email, Chat, Help centreCovers more | Email, Phone, Help centre |
Where each stands against the rest
| Fact | Betterment | Webull | Median |
|---|---|---|---|
| Minimum deposit | $10at the median | Not confirmed | $10 |
| Stock trade fee | Not confirmed | $0at the median | $0 |
| Account fee | $0at the median | Not confirmed | $0 |
| Options contract fee | Not confirmed | $0lowest quarter | $0.59 |
| Interest on cash | 3.5%above the median | Not confirmed | 3% |
Median across 99 listed brokers.
Pros and cons
Betterment
Pros
- A management fee of 0.25% sits below the robo-advisor median of 0.35%
- An account fee of $0 and a deposit and withdrawal charge listed as No fees
- Covered by SIPC protection of SIPC up to USD 500,000
Cons
- Account types run only to ira and roth ira, so there is no taxable or ISA-style account for UK and European readers
- A management fee of 0.25% still ranks 18 of 49 brands, so cheaper robo-advisors exist
- Markets cover only stocks, etfs and bonds, with no forex, options or crypto trading
Webull
Pros
- A stock trade costs $0 and an options contract $0 on the ira account.
- Investor protection is SIPC up to USD 500,000, with registration under FINRA, SEC and SIPC.
- A single app covers stocks, etfs and options, so shares, bonds, funds, options, futures and crypto sit together.
Cons
- Support runs on email, phone and help centre, with no live chat listed.
- Account choice is narrow, with ira the only type listed.
- Across the brokers compared, the middle retail loss share is 70.15% and the top of the range 88%.
Who each suits
Betterment
Who it suits
- US savers who want a robo-managed IRA or Roth IRA
- People starting small, with a minimum investment of $10
- Investors who want automated portfolios of etf, esg and cash
Who should look elsewhere
- UK and European readers, since account types cover only ira and roth ira
- Active traders wanting forex, options or crypto beyond the stocks, etfs and bonds it lists
- Anyone seeking a management fee of 0% as at eToro
Webull
Who it suits
- US retail investors who want stocks, options, futures and crypto under a single login
- Beginners using the demo account in crypto, demo account and fractional shares before committing money
- Retirement savers who want $0 stock trades in the same app
Who should look elsewhere
- eToro, if you want forex and CFDs, since stocks, etfs and forex include them
- CFI, if your focus is forex and CFDs rather than stocks, etfs and options
- Vantage, if you trade metals and CFDs, which its forex, cfds and stocks cover
Current offers
Betterment
Current offer
Bonus
Invest and earn up to $2,000: up to $2,000
Terms apply; new customers only; open any individual investing account and make a deposit
Source, checked September 26, 2026
Bonus
0.75% APY boost on Cash Reserve: 0.75% APY boost, 4.25% variable APY on balances up to $1M
New clients with a qualifying deposit; guaranteed through February 15; base variable APY 3.50% as of 9/21/2026; $10 min deposit for base APY
Source, checked September 26, 2026
Discount code
Discounted mortgage rate through Rate partnership: up to 0.75% off
Via partnership with Rate; terms apply
Source, checked September 26, 2026
Country by country
| Country | Betterment | Webull |
|---|---|---|
| United States | Yes | Yes |
Questions about each
Betterment
How much does Betterment charge to manage my money?+
The annual management fee is 0.25%, taken as a percentage of the portfolio. That sits below the robo-advisor median of 0.35%, and Betterment ranks 18 of 49 brands on this measure. There is no separate account charge, listed as $0.
Is my money protected if Betterment fails?+
Stated protection is SIPC up to USD 500,000, and Betterment appears on the SIPC member register as SIPC member 51906. The cover applies to cash in the brokerage account if the broker-dealer fails, and the legal entity named is MTG LLC. Portfolio market values are not protected by the scheme.
Webull
What does it cost to trade?+
A stock trade costs $0 and an options contract $0, on the ira account. The pricing model is commission free, and incoming stock transfers are free. Costs stay low, though they do not decide whether a trade makes money.
Is my money protected if the firm fails?+
Accounts sit with WEBULL FINANCIAL LLC. Investor protection is SIPC up to USD 500,000, and registration with FINRA, SEC and SIPC applies, with SIPC membership listed as SIPC member 71394. Low costs do not change that, so weigh the retail loss figures before you trade.
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