Betterment Hours: Full Schedule and 2025 Holidays
Written by
Rudri Patel
Edited by
Joe Evans
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Betterment is one of the most popular online investing and money management platforms in the U.S. It offers automated investment portfolios, high-yield savings and checking accounts, and digital financial planning tools.
If you’re wondering how Betterment hours work — or whether the platform closes for federal holidays — here’s everything you need to know about account access, trading and support.
Is Betterment Open on Holidays?
Yes and no. Betterment’s digital platform is available 24/7, so you can always access your accounts online. However, since it operates as an investment service, trading activity follows stock market hours and holidays.
| Day | Access |
|---|---|
| Federal Holidays | Market closed; account access available 24/7 |
| Weekdays | Trading open 9:30 a.m. to 4 p.m. ET |
| Weekends | No trading activity; account access available 24/7 |
According to the U.S. Office of Personnel Management, there are 11 federal holidays each year, and the stock market closes on most of them. Betterment’s online services remain active even when markets are closed.
Betterment Normal Hours
For investments, Betterment’s trading hours match the U.S. stock market schedule — Monday through Friday from 9:30 a.m. to 4 p.m. ET.
| Day | Hours |
|---|---|
| Monday through Friday | 9:30 a.m. to 4 p.m. ET |
| Saturday | Closed |
| Sunday | Closed |
You can still access your Betterment account 24/7 to monitor balances, view performance or make adjustments to your financial goals.
Based on research by the FINRA Investor Education Foundation, 62% of investors used websites for trading in 2023, while 44% used a mobile app, allowing for real-time account access regardless of market closures.
Betterment 2025 Holiday Schedule
Here are the days when Betterment’s trading operations will pause because the markets are closed in 2025:
| Holiday | Date |
|---|---|
| New Year’s Day | Wednesday, Jan. 1 |
| Martin Luther King Jr. Day | Monday, Jan. 20 |
| Presidents Day | Monday, Feb. 17 |
| Good Friday | Friday, April 18 |
| Memorial Day | Monday, May 26 |
| Juneteenth | Thursday, June 19 |
| Independence Day | Friday, July 4 |
| Labor Day | Monday, Sept. 1 |
| Columbus Day / Indigenous Peoples Day | Monday, Oct. 13 |
| Thanksgiving Day | Thursday, Nov. 27 |
| Christmas Day | Thursday, Dec. 25 |
Betterment manages over $45 billion in client assets, according to company data, and continues to be one of the largest independent robo-advisors in the U.S. The platform remains accessible even when markets are closed.
How To Bank or Invest With Betterment After Hours or on Holidays
Even when the markets close, Betterment users can:
- Log in on their website to access their accounts
- Deposit or withdraw cash anytime
- View investment performance and portfolio breakdowns
- Use the Betterment app to track goals and transfer funds
Transactions like trades or fund transfers made after 4 p.m. ET or on holidays will process the next business day.
The Securities and Exchange Commission (SEC) notes that most stock transactions follow a T+1 settlement rule, meaning trades finalize the next business day after execution.
How To Contact Betterment Customer Service
Betterment’s support team is available to help with investment or account-related questions.
- Phone: 718-400-6898
- Hours: Monday through Friday, 9 a.m. to 8 p.m. ET
- Email: everydaysupport@betterment.com
Support resumes on the next business day after market holidays.
The Bottom Line
Betterment operates 24/7, even on federal holidays, though trading follows the U.S. stock market schedule. Whether it’s a weekend or holiday, you can access your account, make transfers and manage your investments anytime online or through the app.
Next: Compare holiday schedules for other online investment platforms like Wealthfront and Robinhood to see how they differ.
FAQs About Betterment Holiday Hours
Here are the answers to some of the most frequently asked questions about Betterment holiday hours and how they work:- Is Betterment open on federal holidays?
- Yes. The platform is available 24/7, but trades and fund transfers follow market holiday schedules.
- Can I trade investments on holidays?
- No. The stock market is closed on federal holidays, so trading resumes the next business day.
- Can I deposit or withdraw money on holidays?
- Yes. You can submit transfers anytime, though they may take longer to process.
- Does Betterment have physical branches?
- No. Betterment is an online-only platform, so everything is managed digitally.
- Will my investments change when the market is closed?
- You can view performance anytime, but portfolio adjustments take effect once markets reopen.
More on Betterment
Schedules are subject to change and may vary by branch.
Editorial Note: This content is not provided by any entity covered in this article. Any opinions, analyses, reviews, ratings or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by any entity named in this article.
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- Federal Reserve Bank of Atlanta "2023 Survey and Diary of Consumer Payment Choice: Summary Results"
- American Bankers Association "National Survey: Record Number of Bank Customers Use Mobile Apps More Than Any Other Channel to Manage Their Accounts"
- U.S. Office of Personnel Management "Questions and answers"
- FDIC "FDIC Survey Finds 96 Percent of U.S. Households Were Banked in 2023"
- FINRA "Investors in the United States: The Changing Landscape"
- Office of the Comptroller of Currency "Securities Operations: Shortening the Standard Settlement Cycle"
