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FutureMoney review

Updated September 30, 2026 · SumCue Editorial Team · Facts checked September 30, 2026

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.

Our verdict

FutureMoney suits savers who want flexible cash alongside automated investing, with withdrawals available on request and support through email and chat. It pays interest at 5% on a variable basis while charging 0.25% for managed portfolios, which keeps ongoing costs modest for small balances.

Key facts

Best for
Flexible cash with low entry automated investing
Management fee
0.25%↗
Minimum investment
$5↗
Regulators
U.S. Securities and Exchange Commission↗
Investor protection
SIPC up to USD 500,000↗
Account types
IRA, Roth-IRA↗
Portfolio types
ETF, Cash↗
Legal entity
Future Money Inc.↗
Headquarters
United States↗
Founded
2014↗
Support channels
Email, Chat↗
Official website
futuremoney.co

Savings

Headline rate
5%↗
Rate type
Variable↗
Access terms
No lock-ups, request withdrawals anytime↗
Monthly fee
$0↗
Account kind
Cash management↗
Pricing model
No monthly fee

Facts checked September 30, 2026, 6 sources

Apps and profiles

Get the app
Google Play
Elsewhere
LinkedIn

Pros and cons

Pros

  • Earns a rate of 5% with variable terms for flexible cash balances.
  • Starts from $5, below Betterment at $10 for small beginnings.
  • Charges 0.25% for managed portfolios, below Merrill Edge at 0.45% to 0.85%.
  • Holds cover through SIPC up to USD 500,000 for added reassurance on account balances.

Cons

  • Support runs on email and chat only, which may feel limited when you prefer phone help.
  • Portfolio choice stays within ETF and cash, which may feel narrow when you want broader asset coverage.
  • Supervision is through U.S. Securities and Exchange Commission only, while Interactive Brokers shows Securities and Exchange Commission (SEC), Commodity Futures Trading Commission (CFTC) and Financial Conduct Authority (FCA) across regions.
  • Account choice covers IRA and roth IRA, which may feel narrow when you want joint or corporate structures.
FutureMoney

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Scored 9.1 / 10 by SumCue.

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Who it suits

  • Savers who want flexible cash at 5% alongside ETF based investing.
  • Beginners who want to start from $5 with steady management at 0.25%.
  • Retirement savers using IRA and roth IRA for tax advantaged investing.

Who should look elsewhere

  • Traders wanting broad supervision and markets with Interactive Brokers, which lists Securities and Exchange Commission (SEC), Commodity Futures Trading Commission (CFTC) and Financial Conduct Authority (FCA).
  • Investors wanting guided wealth tiers with Merrill Edge, which charges 0.45% to 0.85% for managed advice.

Rates and card terms

The headline feature is a rate of 5% for cash balances, set on variable terms. Variable tells you the return can rise or fall with market conditions, so the amount you earn shifts over time rather than staying fixed for a set period. You can view that rate as flexible income on idle cash while you decide on longer range investing moves. When you compare cash options, you weigh headline return against access and variability, and here variability is central. You stay free to review the current figure and adjust balances as needs change, with the rate acting as the main lever for returns on the cash side.

Deposit protection

Supervision comes from U.S. Securities and Exchange Commission, which is the federal authority for securities firms in the US. That link tells you which rulebook applies to marketing, custody and client disclosures, and where you would look for registration details. Protection is stated as SIPC up to USD 500,000, which describes the securities protection limit that applies to covered accounts. You should read that cover as distinct from bank deposit insurance, since it relates to securities accounts and stated limits. When you weigh safety, you match the regulator to the firm and the protection wording to the account you plan to hold.

The company behind it

The service is provided by Future Money Inc., based in the United States and established in 2014. That background gives you a clear legal name for agreements and a home market for regulation and client servicing. Day to day help is offered through email and chat, so you contact the team by written message or live messaging rather than visiting a branch. You can use those routes for account queries, documents and general guidance on using the service. When you open an account from abroad, you check availability for your residence and keep records of correspondence for your own files.

How FutureMoney compares

Where FutureMoney is available

Licence in United States
U.S. Securities and Exchange Commission, checked September 30, 2026

Frequently asked questions

What fees will you pay with FutureMoney?+

You pay a management fee of 0.25% for automated portfolios, while the cash account carries fees of $0. That structure keeps regular account keeping free and leaves portfolio management as the main ongoing charge you review.

How much do you need to start investing?+

You can start automated investing from $5, which allows you to open with a very small balance. That entry point sits below Betterment at $10, so you can add funds gradually as your plans develop.

What interest does the cash account pay?+

The cash side pays a rate of 5% with variable terms. Variable means the rate can move over time, so you should check current pricing before you move larger balances.

Who regulates FutureMoney?+

FutureMoney is supervised by U.S. Securities and Exchange Commission, the federal securities regulator in the US. That status sets conduct and disclosure duties for the firm and gives you a clear point of reference for complaints and oversight.

Is your money protected with FutureMoney?+

Balances carry protection through SIPC up to USD 500,000. That scheme applies to securities accounts rather than bank deposits, so you should keep cash needs and investment aims distinct when you assess safety.

Which account types can you open?+

You can hold IRA and roth IRA for retirement saving, which covers both traditional and Roth structures. Those options suit long range planning, though choice is narrower than providers that also offer joint or corporate accounts.

How do withdrawals and support work?+

Cash is held without lock ups and you may ask for withdrawals at any time. Support is available through email and chat, so you manage requests online rather than through a branch or phone line.

Sources

  • futuremoney.co checked September 30, 2026

    Backs: Portfolio types, Support channels

    “Reserve Cash account designed to earn more”

  • futuremoney.co/about checked September 30, 2026

    Backs: Founded

    “2014 The year our mission to change everything began”

  • futuremoney.co/faq checked September 30, 2026

    Backs: Account types

    “a Roth IRA, or a traditional IRA”

  • futuremoney.co/legal-privacy checked September 30, 2026

    Backs: Headquarters, Investor protection, Legal entity, Regulators, Licences

    “1 Washington St., #1553, Boston, MA 02108”

  • futuremoney.co/pricing checked September 30, 2026

    Backs: Management fee, Minimum investment

    “annual management fee of 0.25%”

  • futuremoney.co/reserve checked September 30, 2026

    Backs: Access terms, Account kind, Headline rate, Pricing model, Monthly fee, Rate type

    “No lock-ups, Request withdrawals anytime”

Compiled from 6 source pages, checked September 30, 2026. We did not open an account.

FutureMoney

FutureMoney

Flexible cash with low entry automated investing

9.1/10See alternatives