Today, Robinhood Gold subscribers earn a 3% match on all eligible annual IRA contributions. For a limited time only, Robinhood Gold subscribers will also earn a 3% match on transfers and rollovers into your Robinhood Retirement account between January 17, 2024 and April 30, 2024, with no limit on the amount of match earned.

After the transfers promotion ends on April 30, 2024, transfers and rollovers will earn 1% match, and IRA annual contributions will continue to earn a 3% match for Robinhood Gold subscribers.

Keep in mind, you must hold the funds in your IRA for at least 5 years to keep the match, and be a Robinhood Gold subscriber for 1 year after the first deposit that earns the 3% match.

To receive the 3% transfer match:

• Your IRA or 401(k) transfer must settle into your Robinhood IRA during the promotion period of January 17, 2024 through April 30, 2024.
• You must be a Robinhood Gold subscriber when your IRA or old 401(k) transfer settles into your Robinhood IRA, and remain a Gold subscriber for at least 1 year from the date of your first 3% match deposit (either a transfer or contribution).

In addition, you must keep your assets in your IRA for at least 5 years, otherwise you may be subject to an early match removal fee. Review IRA match FAQ for more details.

The 3% match will only be granted on the net deposits in your IRA account.

Check out Transfers and rollovers for key differences between these transfer types and what we can accept at Robinhood.

Check out Transfers and rollovers for steps to initiate a transfer or rollover.

You can calculate your net deposits by adding up all inbound transfers initiated between January 17, 2024 and April 30, 2024 and subtracting all transfers out between January 17, 2024 and April 30, 2024.

When your IRA transfer completes, the amount of the match is calculated based on 3% of the total of the transferred cash plus transferred securities and options, using the national market system closing price of each position transferred into the account on the trading day before when the transfer settles. Settlement occurs when the securities are posted to the account and available to trade. Note that the match is only available for securities that successfully transfer and settle, and won’t be granted for securities that are rejected.

When your 401(k) rollover completes, the match will be calculated based on 3% of the total rollover amount.

For IRA transfers, after we receive an account transfer request, it typically takes 5-7 business days for the transfer to be completed in your Robinhood account. Check out Transfers and rollovers for more info. For 401(k) rollovers, this process can typically take 2-4 weeks for deposits to complete.

We’ll deposit your earned match after the eligible contributions settle in your account. For transfers, you’ll get the match as soon as they settle. For rollovers, you’ll get the match upon settlement, which is typically within 5-7 business days of receipt.

We don’t charge a fee to transfer assets in. However, your outside retirement account may charge you a transfer fee to transfer your assets. For any full or partial account transfer into Robinhood that's $7,500 or more, we’ll reimburse the transfer fees your other brokerage may charge, up to $75. Contact us to request a reimbursement.

The IRA match is treated as interest income in your IRA. We won’t deliver a 1099-INT due to the tax status of IRAs. For more details, review IRA match FAQ.

Robinhood Gold IRA Deposits Match Terms & Conditions

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