Updated October 17, 2026 · BrokerCue Editorial Team
Betterment vs willbe
willbe
Betterment
Higher score in this comparison
Betterment vs willbe: the differences
| Compare | BettermentReviewSee alternativesSee alternatives | willbeReviewVisitVisit |
|---|---|---|
| Management fee | 0.25%Lower | 0.49% |
| Minimum investment | $10 | €200 |
| Portfolio types | ETF, ESG, Cash, CryptoCovers more | ETF, ESG, Cash |
| Regulators | U.S. Securities and Exchange Commission (SEC) registered investment adviser, Financial Industry Regulatory Authority (FINRA) Betterment Securities broker dealer member, SIPC | Not confirmed |
| Investor protection | SIPC up to USD 500,000 | Not confirmed |
| Account types | IRA, Roth IRA | Not confirmed |
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Key differences
- Betterment scores higher overall: 9.6 vs 9.3.
- Founded is lower at willbe: 1861 vs 2008.
- Management fee is lower at Betterment: 0.25% vs 0.49%.
- Portfolio types: only Betterment offers Crypto.
- 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.
willbe
willbe combines saving and investing in a single Liechtenstein app backed by Liechtensteinische Landesbank, with call money, fixed deposits, ETFs, stocks, gold and wealth management inside. For people who want diversified long term building in one place, it keeps saving and investing together clearly.
Score breakdown
| Area | Betterment | willbe |
|---|---|---|
| Cost | 9.3HigherManagement fee of 0.25% and no account fee, with a minimum investment of $10. | 8.9 |
| Offer | 9.7Higher | 8.9 |
| Trust | 9.7 | 9.9Higher |
What it costs in practice
10,000 invested for a year
Betterment
25
0.25% of 10,000
willbe
49
0.49% of 10,000
Betterment comes out 24 lower in this example.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.
A third option
eToro has management fee at 0%, against 0.25% for Betterment and 0.49% for willbe.
eToro reviewHow they place
| Ranking | Betterment | willbe |
|---|---|---|
| Stock and ETF brokers | 45 of 474 | 18 of 474 |
| Robo-advisors | 10 of 151 | 5 of 151 |
Every fact side by side
| Fact | Betterment | willbe |
|---|---|---|
| Legal entity | MTG LLC | Liechtensteinische Landesbank AG |
| Headquarters | United States | Liechtenstein |
| Founded | 2008 | 1861Lower |
| Support channels | Phone, Email, Chat, Help centreCovers more | Email, Phone, Help centre |
Brokers
| Fact | Betterment | willbe |
|---|---|---|
| Minimum deposit | $10 | €200 |
| Account fee | $0 | Not confirmed |
| Markets | Stocks, ETFs, Bonds | ETFs, Funds, Metals |
| Features | Not confirmed | Mobile app |
| Pricing model | Not confirmed | Low fees |
| Audience | Not confirmed | Beginners |
| Currency conversion fee | Not confirmed | 0.3% |
| Deposit and withdrawal fees | No fees | Free same-currency deposits and withdrawals |
| Platforms | Not confirmed | Willbe app |
| Interest on cash | 3.5%Higher | 3.25% |
Where each stands against the rest
| Fact | Betterment | willbe | Median |
|---|---|---|---|
| Management fee | 0.25%below the median | 0.49%above the median | 0.35% |
Median across 87 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
willbe
Pros
- Single app for saving and investing with gold and wealth management
- ETF savings plan covering more than 50 ETFs and funds for choice
- Multicurrency saving across nine currencies for everyday flexibility
Cons
- App centred access may frustrate people who prefer desktop management
- ETF and fund selection stays focused around a defined savings plan range
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
willbe
Who it suits
- Savers seeking gold alongside ETFs and stocks
- People wanting multicurrency options in one app
Who should look elsewhere
- Active traders wanting wide market access
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
willbe
Current offer
First period offer
Download the app and save 3 months of fees: 3 months of fees free
Source, checked September 26, 2026
Country by country
| Country | Betterment | willbe |
|---|---|---|
| United States | Yes | No |
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.
willbe
What is willbe?+
willbe is the finance app from Liechtenstein connected to Liechtensteinische Landesbank. It brings saving and investing together in one app. It helps you take control and build assets solidly over the long term.
Which products does willbe cover?+
willbe covers call money, fixed deposits, ETFs, stocks, physical gold and wealth management. You can use an ETF savings plan and manage different building blocks together. The range supports diversification within a single app.
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willbe
Betterment