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Updated September 29, 2026 · SumCue Editorial Team

Betterment vs Insignis Cash

Betterment scores 9.7 and Insignis Cash 9.0 out of 10. Compare their differences and shared features below.
Betterment

Betterment

Higher score in this comparison

9.7/10
See alternatives
Insignis Cash

Insignis Cash

9.0/10
See alternatives

Where Betterment and Insignis Cash differ

Betterment vs Insignis Cash
CompareBettermentBettermentReviewSee alternativesSee alternativesInsignis CashInsignis CashReviewSee alternativesSee alternatives
Headline rate3.5%4.4% to 4.61%Higher
Minimum deposit$10£0
Deposit protectionFDIC up to USD 250,000FSCS up to GBP 85,000
Access termsCash Reserve: no minimum balance ($10 minimum deposit), unlimited withdrawals, sweep cash held at FDIC-insured program banks up to $8M (joint)Easy access, notice and fixed-term deposits up to 5 years
TermNot confirmed6 to 60 months
Monthly fee$0Not confirmed
RegulatorsU.S. Securities and Exchange Commission (SEC) registered investment adviser, Financial Industry Regulatory Authority (FINRA) Betterment Securities broker dealer member, SIPCNot confirmed

Same on both: Rate type (Variable), Account kind (Cash management).

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.

Key differences

  • Betterment scores higher overall: 9.7 vs 9.0.
  • Founded is lower at Betterment: 2008 vs 2017.
  • Headline rate is higher at Insignis Cash: 4.4% to 4.61% vs 3.5%.
  • Support channels: only Betterment offers Chat.
  • Pricing model: only Betterment offers No monthly fee.
  • Pricing model: only Insignis Cash offers Fixed rate.

Our verdict on each

Betterment

Betterment suits US savers who want a managed portfolio and a cash sweep in the same app, charging a management fee of 0.25% on top of an account fee of $0. Cash earns a variable 3.5%, so the income side moves with policy rates, and its overall score is 7.9.

Read the full Betterment review

Insignis Cash

Insignis Cash pays a variable rate on a cash management account, with a headline rate of 4.4% to 4.61% and a minimum deposit of £0, so it suits anyone building a balance from a small starting point. The rate can move during a term, so anyone wanting a fixed headline should weigh the trade-off.

Read the full Insignis Cash review

Score breakdown

Betterment vs Insignis Cash
AreaBettermentInsignis Cash
Cost9.5Management fee of 0.25% ranks 18 of 49, and the account fee is $0.9.5A £0 minimum deposit and a variable headline rate of 4.4% to 4.61% make this a low cost place to park cash.
Offer9.7Higher9.2
Trust9.9Higher8.4

What it costs in practice

10,000 saved for 12 months

Betterment

350

3.5% of 10,000

Insignis Cash

440 to 461

4.4% to 4.61% of 10,000

Insignis Cash comes out 111 higher in this example.

Excludes monthly fee (not stated by Insignis Cash). Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.

Pick Betterment if, pick Insignis Cash if

Pick Betterment if offer matter most.

Pick Insignis Cash if headline rate matter most.

If neither fits

Finom has headline rate at 5%, against 3.5% for Betterment and 4.4% to 4.61% for Insignis Cash.

Finom review

How they place

Betterment vs Insignis Cash
RankingBettermentInsignis Cash
Savings56 of 1492444 of 1492
Savings accounts39 of 658294 of 658
Cash management accounts8 of 4614 of 46

Every fact side by side

Betterment vs Insignis Cash
FactBettermentInsignis Cash
Pricing modelNo monthly feeFixed rate
Legal entityMTG LLCInsignis Asset Management Limited
HeadquartersUnited StatesUnited Kingdom
Founded2008Lower2017
Support channelsPhone, Email, Chat, Help centreCovers moreEmail, Phone, Help centre

Brokers

Betterment vs Insignis Cash
FactBettermentInsignis Cash
Account fee$0Not confirmed
MarketsStocks, ETFs, BondsNot confirmed
Investor protectionSIPC up to USD 500,000Not confirmed
Deposit and withdrawal feesNo feesNot confirmed
Account typesIRA, Roth IRANot confirmed
Interest on cash3.5%Not confirmed

Where each stands against the rest

Betterment vs Insignis Cash
FactBettermentInsignis CashMedian
Headline rate3.5%above the median4.4% to 4.61%above the median3.3%
TermNot confirmed6 to 60 monthsat the median60
Monthly fee$0at the medianNot confirmed$0

Median across 710 listed providers.

Pros and cons

Betterment

Pros

  • A single app holds a managed portfolio and a cash sweep paying a variable 3.5%.
  • The management fee of 0.25% sits under the site median management fee of 0.35%.
  • The monthly fee is $0 and the minimum deposit is $10, so an account that is opened and left alone carries no standing charge.

Cons

  • Cash pays a variable rate of 3.5%, so the income from the sweep can be cut without warning.
  • Betterment ranks 18 of 49 on management fee, so cheaper robo-advice sits on the same list.
  • Account types cover ira and roth ira, which rules out a UK ISA or workplace pension wrapper for most UK readers.

Insignis Cash

Pros

  • Deposits are covered by the FSCS, with cover stated as FSCS up to GBP 85,000.
  • The headline rate of 4.4% to 4.61% sits above the 3% median across savings accounts on the site and the 3.46% median in the cash management ranking.
  • Terms run 6 to 60, so you can move between easy access and fixed deposits without changing provider.

Cons

  • The rate type is variable, so the 4.4% to 4.61% headline can move during a fixed term instead of being set at the start.
  • Support runs on email, phone and help centre only, with no live chat for quick questions.
  • Cash management is a small corner of the market at 3.8% of the brands on the site, against 75.2% for easy access, so there is less to compare.

Who each suits

Betterment

Who it suits

  • US savers who want automated investing and a variable cash yield handled from the same app.
  • First-time investors who can begin from a minimum investment of $10 without a large opening balance.
  • Retirement savers who want a traditional or Roth IRA built around automatic contributions.

Who should look elsewhere

  • eToro, if you would rather choose individual markets yourself, since the portfolio options here are etf, esg and cash.
  • Axos Invest, whose minimum investment of $100 suits readers who want a higher entry point and a managed portfolio.
  • Empower Personal Dashboard, whose management fee is 0%, for readers who put the advisory charge ahead of a managed account with a cash sweep.

Insignis Cash

Who it suits

  • Anyone starting small, since the minimum deposit on the cash management account is £0
  • Savers who want a variable headline of 4.4% to 4.61% and the option to fix money for 6 to 60
  • People who want to reach help by phone or email through email, phone and help centre

Who should look elsewhere

  • bunq, whose headline rate is 3.01%, if a lower return on your money matters more than a term deposit
  • Wise, at 3.29%, if a multi-currency balance suits you better than a single UK deposit account

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

Betterment vs Insignis Cash
CountryBettermentInsignis Cash
United KingdomNoYes
United StatesYesNo

Questions about each

Betterment

What does Betterment charge to run an account?+

Two figures matter. The management fee is 0.25%, charged on the portfolio, and the monthly fee is $0, with an account fee of $0. Taking money in and out carries nothing, with the deposit and withdrawal fee reading No fees. Over a year the management fee is the line that reduces the balance, since nothing else here charges for holding the account open.

How much do I need to open an account and start investing?+

The minimum investment is $10 and the minimum deposit for the cash side is $10. The site median minimum deposit is €0.88 and the median minimum investment is €25, so the floor here sits inside the normal range rather than at either extreme. Neither figure asks for a large opening balance.

Insignis Cash

What rate does Insignis Cash pay on deposits?+

The headline rate is 4.4% to 4.61% and it is variable, so the figure moves with the market rather than being set for the whole term. The median savings headline on the site is 3%, so this sits in the upper part of the field. Compare it against bunq at 3.01% and Wise at 3.29% before you commit.

Is my money protected if the provider stops trading?+

Deposits are covered by the FSCS, and the provider states cover as FSCS up to GBP 85,000. The FSCS is the UK scheme behind eligible deposits, so money inside the stated limit is backed by the scheme. Anything held above that limit sits with the provider rather than the scheme, which matters more for larger balances.

Other options to compare

Betterment

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Insignis Cash

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