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Accounting · head to head

Airbase vs Betterment

Airbase logo

Airbase

Accounting

The first all-in-one spend management platform

From
$29/month
Rated
-
Full reviewWebsite
Betterment logo

Betterment

Personal Finance

Your path to financial independence

From
On request
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Airbase airbase was acquired by Paylocity; its pricing page now redirects to paylocity.com/pricing and the product is marketed as 'Airbase, a Paylocity Company' within Paylocity's HCM platform rather than as a standalone product.; Betterment digital automated investing charges $5 per month fee for accounts under $24,000 balance
  • They diverge on capability: Airbase covers Corporate cards, Betterment covers Automated investing.

Where they differ

Only the attributes on which Airbase and Betterment actually diverge.

Attributes where Airbase and Betterment differ
AttributeAirbaseBetterment
Starting price$29/monthOn request
CategoryAccountingPersonal Finance
Founded20172008

Identical on both: pricing model (subscription), free tier (No), platforms (Web, Ios, Android), user rating (Not yet rated).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in Airbase

  • Corporate cards
  • Bill payments
  • Expense management
  • Procurement
  • Approvals
  • NetSuite
  • Sage Intacct
  • QuickBooks

Only in Betterment

  • Automated investing
  • Retirement planning
  • Financial advisory
  • Goal tracking
  • Bank accounts
  • Investment accounts
  • IOS support

Both cover

  • Web support
  • Android support

What people use each for

The jobs each tool is most often brought in to do.

Airbase

  • Spend managementnot Betterment
  • Expense reportingnot Betterment
  • Vendor paymentsnot Betterment

Betterment

  • Automated portfolio managementnot Airbase
  • High-yield cash savingsnot Airbase
  • Self-directed investingnot Airbase

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Airbase

  • Airbase was acquired by Paylocity; its pricing page now redirects to paylocity.com/pricing and the product is marketed as 'Airbase, a Paylocity Company' within Paylocity's HCM platform rather than as a standalone product.

Betterment

  • Digital automated investing charges $5 per month fee for accounts under $24,000 balance
  • Premium advisory service requires minimum balance of $100,000 in eligible investments
  • Foreign transaction fees apply to checking account (though reimbursed after the fact)
  • High-balance fee discounts only available above $1,000,000 account balance

Pricing, plan by plan

Airbase

$29/month
  • StandardFree
    • Corporate cards
    • Expense reports
    • Bill pay
  • Premium$10/month
    • Advanced approvals
    • NetSuite sync
    • Procurement
  • Enterprise$undefined/month
    • Custom workflows
    • API access
    • Dedicated support

Betterment

On request
  • Automated Investing$null/month
    • AUM-based or flat monthly advisory fees
  • Premium Service$0.4/percent of AUM
    • Requires $100,000 minimum balance
  • Self-Directed InvestingFree
    • No wrap fee
  • High-Yield Cash$4/APY promotional
    • $10 minimum deposit
    • New customer boost through 1/15/2027

Which should you pick?

Choose Airbase if

  • You need corporate cards.
  • You work on Web, Ios, Android.
  • You also want bill payments.
Airbase review

Choose Betterment if

  • You need automated investing.
  • You work on Web, iOS, Android.
  • You also want retirement planning.
Betterment review

Questions people ask

Is Airbase or Betterment better?
Neither clearly leads. Airbase starts at $29/month and Betterment at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Airbase or Betterment?
Airbase starts at $29/month and Betterment at On request.
Does Airbase or Betterment run on more platforms?
Airbase runs on Web, Ios, Android. Betterment runs on Web, iOS, Android.
What is Airbase best used for?
Airbase is most often used for spend management, expense reporting, vendor payments. Of those, spend management and expense reporting are not what Betterment is typically brought in for.
What can Airbase do that Betterment cannot?
Airbase covers Corporate cards, Bill payments, Expense management, Procurement. Betterment covers Automated investing, Retirement planning, Financial advisory, Goal tracking. Both handle Web support, Android support.

Answered from the vendors’ own pages

Airbase: What is Airbase and why is no pricing published on its website?

Airbase is a Paylocity Company offering unified expense management across finance, HR, and IT functions. Pricing is not published on the Airbase website and customers must contact Paylocity directly for a quote.

Source
Betterment: What is the minimum to start investing with Betterment?

Betterment requires only $10 to open an account and begin either automated or self-directed investing.

Source
Airbase: Does Airbase integrate with Paylocity?

Yes, Airbase is owned by Paylocity and integrates with Paylocity's human resources and payroll systems for unified financial management.

Source
Betterment: How much does Betterment's Premium Service cost?

Premium Service charges an additional 0.40% fee on your invested balances and requires a minimum account balance of $100,000.

Source
Airbase: How do I get pricing information and schedule a demo for Airbase?

Airbase directs customers to contact Paylocity or explore interactive product tours, but specific pricing rates must be obtained directly from the sales team. The company does not publish rate information publicly.

Source
Betterment: What APY does Betterment's High-Yield Cash offer?

High-Yield Cash offers 3.25% base APY plus a new customer boost of 0.75% APY (up to $1M) through January 15, 2027, totaling 4.00% promotional APY.

Source
Betterment: Does Betterment charge a wrap fee on self-directed accounts?

No, Betterment waives its wrap fee for self-directed investing accounts, allowing customers to invest without advisory fees.

Source
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