Updated September 29, 2026 · SumCue Editorial Team
Betterment vs Nordnet DK
Betterment
Higher score in this comparison
Nordnet DK
Betterment vs Nordnet DK: the differences
| Compare | BettermentReviewSee alternativesSee alternatives | Nordnet DKReviewSee alternativesSee alternatives |
|---|---|---|
| Management fee | 0.25%Lower | 0.49% to 0.51% |
| Regulators | U.S. Securities and Exchange Commission (SEC) registered investment adviser, Financial Industry Regulatory Authority (FINRA) Betterment Securities broker dealer member, SIPC | Finansinspektionen (Swedish Financial Supervisory Authority), Finanstilsynet (Danish Financial Supervisory Authority) |
| Investor protection | SIPC up to USD 500,000 | EU ICS up to EUR 20,000 |
| Account types | IRA, Roth IRA | Corporate |
| Portfolio types | ETF, ESG, Cash, CryptoCovers more | ETF, Cash, Crypto |
| Minimum investment | $10 | Not confirmed |
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Key differences
- Betterment scores higher overall: 9.7 vs 9.5.
- Regulators: only Betterment offers U.S. Securities and Exchange Commission (SEC) registered investment adviser, Financial Industry Regulatory Authority (FINRA) Betterment Securities broker dealer member, SIPC.
- Regulators: only Nordnet DK offers Finansinspektionen (Swedish Financial Supervisory Authority), Finanstilsynet (Danish Financial Supervisory Authority).
- Founded is lower at Nordnet DK: 1996 vs 2008.
- Management fee is lower at Betterment: 0.25% vs 0.49% to 0.51%.
- Account types: only Betterment offers IRA, Roth IRA.
- Account types: only Nordnet DK offers Corporate.
- Portfolio types: only Betterment offers ESG.
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.
Nordnet DK
Nordnet DK suits Danish savers who want easy access cash and share dealing on the same platform, with a monthly fee of DKK 0 and a minimum deposit of DKK 0. Cash pays 0.25% on a variable basis, so the savings side is the weak point.
Score breakdown
| Area | Betterment | Nordnet DK |
|---|---|---|
| Cost | 9.5Management fee of 0.25% ranks 18 of 49, and the account fee is $0. | 9.7Higher |
| Offer | 9.7Higher | 9.3 |
| Trust | 9.9Higher | 9.5 |
Licences and countries
| Country | Betterment | Nordnet DK |
|---|---|---|
| United States | SIPC SIPC member 51906 | Not confirmed |
Additional countries for Betterment: 1. Additional countries for Nordnet DK: 1.
Cost in a real example
10,000 invested for a year
Betterment
25
0.25% of 10,000
Nordnet DK
49 to 51
0.49% to 0.51% 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.
Where they rank in our lists
| Ranking | Betterment | Nordnet DK |
|---|---|---|
| Savings accounts | 39 of 658 | 73 of 658 |
| Investing | 52 of 654 | 67 of 654 |
| Stock and ETF brokers | 30 of 358 | 42 of 358 |
| Robo-advisors | 7 of 154 | 13 of 154 |
Sources behind this comparison
Betterment
- betterment.com: 8 facts, checked September 26, 2026
- en.wikipedia.org: 1 fact, checked September 26, 2026
- sipc.org: 1 fact, checked September 26, 2026
Nordnet DK
- nordnet.dk: 8 facts, checked September 26, 2026
- en.wikipedia.org: 1 fact, checked September 26, 2026
Every fact side by side
| Fact | Betterment | Nordnet DK |
|---|---|---|
| Legal entity | MTG LLC | Nordnet Bank AB (Danish branch, CVR 32301908) |
| Headquarters | United States | Denmark |
| Founded | 2008 | 1996Lower |
| Support channels | Phone, Email, Chat, Help centre | Email, Help centre, Phone, Chat |
Brokers
| Fact | Betterment | Nordnet DK |
|---|---|---|
| Minimum deposit | $10 | DKK 0 |
| Account fee | $0 | Not confirmed |
| Markets | Stocks, ETFs, Bonds | Stocks, ETFs, Funds, Bonds, Options, FuturesCovers more |
| Pricing model | No monthly fee | No monthly fee |
| Deposit and withdrawal fees | No fees | Not confirmed |
| Interest on cash | 3.5% | Not confirmed |
Savings
| Fact | Betterment | Nordnet DK |
|---|---|---|
| Headline rate | 3.5%Higher | 0.25% |
| Rate type | Variable | Variable |
| Deposit protection | FDIC up to USD 250,000 | EU DGS up to EUR 100,000 |
| Access terms | Cash Reserve: no minimum balance ($10 minimum deposit), unlimited withdrawals, sweep cash held at FDIC-insured program banks up to $8M (joint) | No binding period, free deposits and withdrawals at any time, interest credited quarterly, covered by deposit guarantee |
| Monthly fee | $0 | DKK 0 |
| Account kind | Cash management | Easy access |
Where each stands against the rest
| Fact | Betterment | Nordnet DK | Median |
|---|---|---|---|
| Management fee | 0.25%below the median | 0.49% to 0.51%above the median | 0.35% |
| Minimum investment | $10below the median | Not confirmed | $500 |
Median across 86 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.
Nordnet DK
Pros
- The account fee is DKK 0 and the minimum deposit is DKK 0, so a small balance can sit there without an account charge.
- Cash sits under the deposit guarantee of EU DGS up to EUR 100,000 and investments under investor compensation of EU ICS up to EUR 20,000.
- The account kind is easy access, with no lock-in, no charge for paying money in or taking it out, and interest added to the balance each quarter.
Cons
- Cash earns 0.25%, well below the 3% typical across the site.
- The rate type is variable, so the interest on cash can move with the base rate.
- Trading runs to stocks, etfs and funds, with no forex among the list.
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.
Nordnet DK
Who it suits
- Danish savers who want an easy access account with no lock-in period and no cost for taking money out.
- Small investors who pay DKK 0 a month and still get dealing across stocks, etfs and funds.
- People who would rather take a small return on cash than commit to a fixed term.
Who should look elsewhere
- Traders who need forex or CFDs, as CFI covers stocks, etfs and forex.
- Buyers who want funds, bonds, options or futures, since bunq lists only stocks, etfs and crypto.
- Anyone after a single app for shares, futures and crypto, which eToro lists as stocks, etfs and forex.
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 | Nordnet DK |
|---|---|---|
| Denmark | No | Yes |
| United States | Yes | No |
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.
Nordnet DK
What interest does the savings account pay?+
Interest is credited quarterly at 0.25% and the rate type is variable, so the figure can change. Across the site the median is 3%, which is worth weighing if the balance is large. There is no binding period, so the money can be taken out whenever you like.
Is there an account fee or a minimum deposit?+
The monthly fee is DKK 0 and the minimum deposit is DKK 0, so a small balance can sit there without an account charge. You can pay money in and take it out whenever you like, and there is no lock-in, so holding costs do not build up while you decide.
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Betterment
Nordnet DK