BlockFi vs Betterment

BlockFi is a good custodian for earning interest on crypto. How does it compare to Betterment? Read our comparison chart below.

BlockFi offers cryptocurrency borrowing and lending services. While their exchange is quite limited, their main products are their interest accounts and crypto-backed loans. They also have a crypto rewards card.

While Betterment offers automatic investing starting at an annual fee of 0.25% of your account balance. There is no fee to open an account and no minimum deposit required. All balances get automatic rebalancing, tax loss harvesting, and access to financial experts.

Compare BlockFi with Betterment, side-by-side. Read on for an in-depth look, including ratings, reviews, pros and cons.

	BlockFi	Betterment


	SPECIAL OFFER Get Up to $250 in Bonus BTC - Learn More Read BlockFi Review	SPECIAL OFFER Get up to 1 Year Managed Free - Learn More Read Betterment Review
	Benefits and Features
Annual Fee		0.25% for accounts under $100,000 0.40% for accounts $100,000+
Minimum Deposit		$0
Phone Support		Yes
Live Chat Support		No
Email Support		Yes
Human Advisors		Yes ($100k minimum)
Robo Advisor
Assets Under Management		$14 Billion
Tax Loss Harvesting		Yes
Goal Tracker		Yes
Automatic Deposits		Yes
Bitcoin (BTC) Interest Rates	0.1% - 4.5%
Online Platform		Yes
Ethereum (ETH) Interest Rates	0.25% - 5%
iPhone App		Yes
Android App		Yes
Litecoin (LTC) Interest Rates	0.1% - 4.75%
Tether (USDT) Interest Rates	8.5% - 9.5%
USD Coin (USDC) Interest Rates	8% - 9%
Mobile App	Yes	Yes
Two-Factor Authentication	Yes
Binance USD (BUSD) Interest Rates	8% - 9%
Dai (DAI) Interest Rates	8% - 9%
Gemini Dollar (GUSD) Interest Rates	8% - 9%
Paxos Standard (PAX) Interest Rates	8% - 9%
Single Stock Diversification		No
Fractional Shares		Yes
Taxable Accounts		Yes
401k Plans		Yes
IRA Accounts		Yes
Roth IRA Accounts		Yes
SEP IRA Accounts		Yes
Trust Accounts		Yes
529 Plans		No
	CreditDonkey® Reviews

Cryptocurrency Trading
Interest Accounts
Crypto Loans
Mobile App
Commissions and Fees
Ease of Use
Research
Safety
Annual Fee
Minimum Deposit
Human Advisors
Customer Service
Pros & Cons	Pros: Earn up to 9% APY on cryptos No commissions (only charges a spread) Crypto-backed loans Cons: Only supports 8 coins Withdrawal restrictions Slow withdrawal times (up to 7 days)	Pros: No minimum investment Many customized portfolios Automatically invest extra funds Cons: Limited investment options High fees for large investors
Bottom Line	Good custodian for earning interest on crypto... Read full review	Great robo-advisor for beginners with low fees, good tools, and tax strategies... Read full review

	Get Up to $250 in Bonus BTC Crypto Interest Account - Earn up to 9% APY Earn Interest on BTC - Up to 4.5% APY	Get up to 1 Year Managed Free Get 1 Month Managed Free Get 6 Months Managed Free
Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details. BlockFi: Pricing information from published website as of 06/30/2021. Betterment: Pricing information from published website as of 04/04/2018

Get Up to $250 in Bonus BTC

Get Up to $250 Bonus

Deposit	Crypto Bonus
$100 - $1,499	$15
$1,500 - $19,999	$20
$20,000 - $39,999	$40
$40,000 - $74,999	$75
$75,000 - $99,999	$100
$100,000+	$250

Crypto Interest Account - Earn up to 9% APY

Get Deal

No hidden fees
No minimum balances
Buy, sell or exchange cryptocurrencies

Cryptocurrency	Amount	Interest (Paid Monthly)
Bitcoin (Tier 1)	0 - 0.10 BTC	4.5% APY
Bitcoin (Tier 2)	> 0.10 - 0.35 BTC	1.0% APY
Bitcoin (Tier 3)	> 0.35 BTC	0.1% APY
Ethereum (Tier 1)	0 - 1.5 ETH	5% APY
Ethereum (Tier 2)	> 1.5 - 50 ETH	1.5% APY
Ethereum (Tier 3)	> 50 ETH	0.25% APY
Litecoin (Tier 1)	0 - 20 LTC	4.75% APY
Litecoin (Tier 2)	> 20 - 100	1% APY
Litecoin (Tier 3)	> 100 LTC	0.1% APY
USD Coin (Tier 1)	0 - 40,000 USDC	9% APY
USD Coin (Tier 2)	> 40,000 USDC	8% APY
Gemini Dollar (Tier 1)	0 - 40,000 GUSD	9% APY
Gemini Dollar (Tier 2)	> 40,000 GUSD	8% APY
Tether (Tier 1)	0 - 40,000 USDT	9.5% APY
Tether (Tier 2)	> 40,000 USDT	8.5% APY

Earn Interest on Crypto

Get up to 1 Year Managed Free

Get Started

New Betterment customers only. Accounts must be funded within 45 days of signup. Terms apply.

Get 1 Month Managed Free

View Terms

Deposit $15,000 - $99,999 within 45 days and get 1 month managed free

Get 6 Months Managed Free

View Terms

Deposit $100,000 - $249,999 within 45 days and get 6 months managed free

Which is Better: BlockFi or Betterment?

Still need help deciding which investing is better? Read the in-depth reviews below. You may also be interested in comparing BlockFi or Ally Invest.

Articles on BlockFi

BlockFi Review

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How Does BlockFi Work

BlockFi is a popular crypto platform offering high interest accounts and the ability to take loans against the value of your coins. Find out how it works.

How Does BlockFi Make Money

BlockFi lets you earn interest on your crypto and take loans against the value of your coins. But how does BlockFi make money? Keep reading to find out.

BlockFi Fees

Interested in taking advantage of BlockFi's interest accounts or crypto-backed loans? Before you take the leap, understand the fees they charge.

BlockFi vs Crypto.com

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