Only direct recipients of the original promotional offer from Robinhood are eligible for this limited-time offer. The offer is not available to the general public. This offer is only available in non-retirement, individual and joint investing accounts at Robinhood. Only qualified Robinhood customers who aren’t currently signed up for Robinhood Gold are eligible to participate in the offer.

In order to earn the 0.5% boosted APY for 60 days, you must sign up for Robinhood Gold ($5 monthly subscription) between October 8, 2024 at 12 AM PT and October 31, 2024 at 11:59 PM PT and maintain Robinhood Gold through the entire 60-day boost period. You must also be enrolled in the brokerage cash sweep program to realize the benefits of this offer. Any uninvested cash in your account will then earn a 0.5% boost on top of the standard Gold APY rate for 60 days after you sign up.

After 60 days with the boosted rate, you’ll continue to get our standard Gold APY rate, which is 4.25% as of Nov 15, 2024.

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’ll temporarily receive the standard Gold APY rate until the boost resumes, and then you’ll resume receiving the boosted rate until you’ve received the boosted rate for a total of 60 days. You’ll then begin receiving 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 for the previous tax year. If you have questions about your specific tax situation, consult a tax professional.

Robinhood Financial LLC (Robinhood) boosted APY offer (“Offer”) is subject to these terms and conditions.

Eligibility: The Offer is valid only for customers who (1) directly receive an email or in-app communication about the Offer (2) sign up for Robinhood Gold between October 8, 2024 at 12 AM PT and October 31, 2024 at 11:59 PM PT, and (3) 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 sign up for Robinhood Gold will receive a 0.5% boost on top of the standard Gold APY rate for 60 days after they successfully sign up for Gold. After 60 days, the APY rate will revert back to the standard Gold APY rate, which as of Nov 15, 2024 is 4.25% APY. The standard Gold APY rate is subject to change at any time without notice. Note that 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 rate until you have received the boosted rate for a total of 60 days. You will then begin receiving the standard Gold APY rate.

Maintenance of Gold: Customers who meet the terms of this Offer must maintain Robinhood Gold through the 60 day boost period. Customers who unsubscribe from Robinhood Gold during the 60 day boost period will lose the boost and revert back to a non-gold APY rate.

Limitations: 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. 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. For taxable accounts, the value of all Robinhood offers received may be reported as "Interest Income" on a Form 1099-INT where required by applicable rules and regulations. Robinhood does not take responsibility for any tax related to this cash reward.

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.