Betterment vs. Vio Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
Betterment
Cash Reserve
3.50%APYDec 10, 2025FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppShow Fine Print & Trends Hide Details
Betterment
Cash Reserve
Vio Bank
Online Savings Account
4.16%APYDec 10, 2025FDIC InsuredLow MinimumsGreat iOS AppShow Fine Print & Trends Hide Details
Vio Bank
Online Savings Account
Prefer In-Person Banking?
Both of these banks are online-only. If you need physical branch access, check out our list of high-yield accounts with brick-and-mortar locations.
Betterment vs. Vio Bank Savings Calculator
Vio Bank earns $424.2 more than Betterment.
Betterment
Cash Reserve
Savings Breakdown
- Interest Earned+$2,114.10(10.5%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,114.10
Vio Bank
Online Savings Account
Savings Breakdown
- Interest Earned+$2,538.30(12.4%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,538.30
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Comparison Analysis
Comparing Betterment vs. Vio Bank
Why Betterment?
- ✓Higher rated Android app (4.7 vs 3.4)
Why Vio Bank?
- ✓Higher potential APY (4.16% vs 3.50%) on all balances
— Key Feature Differences —
Better Returns at $10,000
Vio BankVio Bank's Online Savings Account earns more on smaller deposits (approx. $416 vs $350/yr).
Better Returns at $25,000
Vio BankVio Bank's Online Savings Account pulls ahead with larger amounts (approx. $1040 vs $875/yr).
Best for Simplicity
Vio BankVio Bank's Online Savings Account offers 4.16% APY with no bundling, direct deposit requirement or caps.
Best Mobile App Experience
BettermentBetterment offers an iOS app rated 4.8 (vs. 4.6) and Android app rated 4.7 (vs. 3.4)
Shared Benefits
Over a 1-year period, Vio Bank's Online Savings Account pays $66 more interest on a $10,000 balance than Betterment's Cash Reserve.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary
Vio Bank offers a competitive Online Savings Account with a higher APY of 4.16%, making it the preferred choice for savers. This account requires a minimum deposit of $100 and has no maintenance fees if electronic statements are selected. In contrast, Betterment's Cash Reserve provides a lower APY of 3.50% with a minimal $10 deposit requirement and no maintenance fees. Both accounts are online-only and do not require direct deposits, but Vio Bank's higher yield positions it as the winner for those seeking better returns.
Analysis generated based on current Banksparency database records
* AI-generated content provided for informational purposes only. Accuracy is not guaranteed; always verify details with the provider.
Top Market Contenders
See who beats both Betterment and Vio Bank.
| Feature | Betterment | Vio Bank |
|---|---|---|
| APY | 3.50% Verified: 12/10/2025 ↘︎ 0.50%90d Change | 4.16% Verified: 12/10/2025 - |
| Product Name | Cash Reserve | Online Savings Account |
| Minimum Deposit | $10 | $100 |
| Min. Balance for APY | $0 | $0 |
| Monthly Fee | $0 | $0, if electronic statements selected, otherwise $5 |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS4.8 Android4.7 | iOS4.6 Android3.4 |
| BBB Rating | A- | A+ |
| Next Steps |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Betterment | Vio Bank |
|---|---|---|
| Cash Reserve | Online Savings Account | |
Current APY | 3.50% | 4.16% |
Trend | Stable | Stable |
Velocity (bps/mo) | 0.0 | -6.6 |
Days Since Change | 27 | 19 |
1-Month High | 3.50% | 4.21% |
1-Month Low | 3.50% | 4.16% |
Adjustments / Mo | 0.00 | 1.07 |
Volatility Score | 0.000 | 0.005 |
How to read these metrics(Click to expand)
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