The New
Gold Standard
Make the most
of your uninvested cash with 4% APY
*The national average savings account interest rate is based on data from the FDIC as of Feb. 18, 2025. Robinhood is not an FDIC-insured bank. Deposit insurance covers the failure of an insured bank. Other products shown are not insured by the FDIC, are not deposits, and may lose value. Certain conditions must be satisfied for pass-through FDIC deposit insurance coverage to apply.
Boost your retirement with Robinhood Gold
You contribute, we boost. Get a 3% match on annual contributions. That’s $210 when maxing out your 2025 IRA contribution limit.
Maximize your
money’s potential
The only swipe
that matters
Subject to credit approval and underwriting. Robinhood Gold Card is offered by Robinhood Credit, Inc., and is issued by Coastal Community Bank, pursuant to a license from Visa U.S.A. Inc. Robinhood Credit, Inc. (RCT), is a financial technology company, not a bank.
Robinhood Banking is a financial services platform offered by Robinhood Money, LLC (RHY). RHY is a financial technology company, not a bank. Banking services are provided by Coastal Community Bank, Member FDIC.
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Access industry leading rates and tools with GoldRobinhood Strategies
Get an expert managed portfolio and real-time market insights. Gold members unlock zero management fees on every dollar over $100k
More for investors
$1k of interest-free borrowing. Combined with access to industry-leading margin rates (4.7-5.75%)
Move at market speeds
Access up to $50K instant deposits daily
Trade Big, Pay Small
Take advantage of some of the lowest fees on the market—$0.50 per futures contract, $0.35 per index option contract.
Get to know all the benefits of Gold
How is Robinhood able to offer 9x the national savings average? How does it work?
We're always looking for ways to help our customers make their money work for them. We leverage a network of partner banks to offer you a competitive APY on your uninvested cash.
Once you have Gold, all you need to do is opt in to the brokerage cash sweep to have your uninvested brokerage account cash automatically “swept,” or moved, into deposit accounts at a network of program banks to earn interest.
How can you give 10x the FDIC insurance of a standard bank's $250K?
That's easy... we've got 12 partner banks so you can enjoy a combined coverage of up to $2.5 million FDIC insurance across all of them.
How do I earn the 3% IRA Match and when is it paid out?
You can earn the 3% match on all new IRA contributions, up to the contribution limit.
The IRA Match will generally be available in your account and ready to invest when your deposits are completed. You must stay subscribed to Gold for one year and keep the assets in the IRA for five years in order to keep the full 3% match. See the IRA Match FAQ for more details about how it works.
Is there a limit on how much interest I can earn?
Nope! There is no cap or max on how much interest you can earn.
Is it hard to withdraw my cash? How long does it take to get it out?
It's your money, you can access your money whenever you want. Bank transfers can take up to 4-5 days or you can choose the instant withdrawal option for a 1.5% fee.
How quickly can I move my money from earning interest to making an investment?
Instantly! Your uninvested cash can be used to invest at any time to purchase assets in your brokerage account or IRA.
How is this different from a savings account?
Cash sweeps provide a way to ensure your money is not sitting idly in your brokerage account when it could be earning interest at a bank. With Robinhood Gold, your uninvested cash earns interest in bank deposit accounts at our network of partner banks. Interest is paid out monthly.
How do I pay for Gold?
Your brokerage account will be charged the monthly subscription fee every 30 days at the beginning of each billing cycle. Try Gold for free for your first 30 days.