Only direct recipients of the original promotional offer from Robinhood Gold, LLC are eligible for this offer. The offer is not available to the general public. This offer is only available in non-retirement, individual and joint investing accounts of qualified Robinhood customers who are subscribed to Robinhood Gold.

In order to earn the boosted APY, you must be a Robinhood Gold subscriber and receive this offer through your Robinhood app. If you accept the offer in the Robinhood app, your account will then automatically earn a 0.5% APY boost (“Boosted APY Rate”) on top of the standard Gold APY rate as a special offer for the 60 days after you accept the offer.

On the 61st day after your account is boosted, you will receive the standard Gold APY rate. The standard Gold APY rate as of Dec 27, 2024 is 4% APY. The 60 days of boosted rate may not be consecutive, and the boost could be temporarily paused due to market conditions. If your boosted rate is paused, you will temporarily receive the standard Gold APY rate until the boost resumes, and then you will resume receiving the Boosted APY Rate until you have received the Boosted APY Rate for a total of 60 days. You’ll then begin receiving the standard Gold APY rate.

Your eligibility to earn the Boosted APY Rate for the full 60 days is contingent on whether your net deposits (deposits minus withdrawals) in your Robinhood non-retirement individual or joint investing account remain positive. As long as your net deposits equal or exceed the deposits during the boost period, you will receive the full Boosted APY Rate for each of those days. If your withdrawals from your Robinhood non-retirement individual or joint investing account exceed your deposits, you may no longer receive the Boosted APY Rate and your account may receive the standard Gold APY rate.

The funds you receive through this offer will be reported as interest income in your 1099-INT form. Because of IRS minimum earnings requirements, you may not receive a 1099-INT form if your interest payments received during the calendar year are less than $10.

As with all tax forms, you’ll be able to download a consolidated 1099 form (which includes the 1099-INT) starting in mid-February of every year. If you have questions about your specific tax situation, please consult with your tax professional.

The Robinhood Gold Boosted APY offer (the “Offer”) is subject to these terms and conditions.

Eligibility: The Robinhood Gold Boosted APY offer is valid only for customers (you) who directly receive an in-app communication about the Offer; have an active Robinhood Gold subscription; and are enrolled in the Cash Sweep Program. This Offer is not available to the general public. Robinhood may decline requests to enroll in the Offer at its discretion.

Offer: Customers who meet the eligibility criteria of this Offer and accept the Offer in their Robinhood app will receive a 0.5% boosted APY rate (“Boosted APY Rate”) on top of the standard Gold APY rate as a special offer for 60 days after they accept the offer. The Boosted APY Rate will be the amount displayed to you in the in-app or email communication associated with this Offer.

Declining the Offer: This Offer is only valid while the in-app offer communication is displayed to you. Tapping “Keep Transfer,” the exit button, or any other declining language or images displayed in the Robinhood app at the time the Offer is displayed to you will constitute a declination of the Offer. Force quitting the Robinhood app while the Offer is displayed to you will also constitute a declination of the Offer.

Cancellation: This Offer is only available for customers who retain their Gold subscription for the entire duration of the boost. Customers who cancel their Gold subscription during the Boosted APY Rate period will lose the Boosted APY Rate.

Rate Boost: After 60 days, the APY rate will revert back to the standard Gold APY rate, which as of Dec 27, 2024 is 4% APY. The standard Gold APY rate is subject to change at any time without notice. The 60 days of boosted rate may not be consecutive, and the boost could be temporarily paused due to market conditions. If the boost is paused, you will temporarily receive the standard Gold APY rate until the boost resumes. After a pause, you will resume receiving the Boosted APY Rate until they have received the Boosted APY Rate for a total of 60 days.

Net deposits: Customers must maintain positive or neutral “Net Deposits” in order to receive the boosted APY for the entire 60 day duration. Net Deposits is defined as the deposits minus withdrawals from your Robinhood non-retirement individual or joint investing account over the 60 day boost period. As long as your Net Deposits equal or exceed $0 Boosted APY Rate period, you will receive the full Boosted APY Rate for each of those days. If your Net Deposits drop below $0, you may no longer receive the Boosted APY Rate and your account will receive the standard Gold APY rate.

Limitation: This offer may be delayed, declined, or rescinded in Robinhood’s sole discretion if, for example, Robinhood determines that there may be circumstances indicating fraud or a violation of these Terms. Robinhood reserves the right to change or restrict the Offer terms, or terminate the Offer, at any time without notice. This Offer is valid even if other Robinhood Offers have already been accepted. This Offer cannot be combined with other boosted APY rate offers. The Offer is not transferable, saleable, or valid in conjunction with certain other Offers, and is available to US residents only. Other restrictions may apply. Participation in this promotion does not constitute a solicitation of a security or a recommendation to buy, sell, or hold any given security. Robinhood does not provide investment advice and does not hereby recommend any security or transaction. This is not an offer or solicitation in any jurisdiction where we are not authorized to do business.

Taxes: Consult with your tax advisor about the appropriate tax treatment for this Offer and any tax implications associated with receipt of a cash reward before enrolling. The funds you receive through this Offer will be reported as interest income in your 1099-INT form. Because of IRS minimum earnings requirements, you may not receive a 1099-INT form if your interest payments received during the calendar year are less than $10.

Securities trading offered through Robinhood Financial LLC (member SIPC), a registered broker-dealer, and a subsidiary of Robinhood Markets, Inc. Robinhood Gold is a subscription-based membership program of premium services offered through Robinhood Gold, LLC.