When you make eligible deposits between December 9, 2024 and December 16, 2024 as a Robinhood Gold subscriber, you’ll get an APY boost on your uninvested brokerage cash for 60 days, and then earn 4% APY afterwards.

Only direct recipients of the promotional offer from Robinhood Gold, LLC (Robinhood) are eligible. The offer isn’t available to the general public and applies exclusively to qualified Robinhood customers who make a qualifying deposit during the promotional period.

To qualify for the promotion, you must sign up through the promotional offer in your app or email and complete the minimum deposit, which is shown in the offer as a current Robinhood Gold subscriber. Uninvested cash in your account will then automatically earn the higher APY rate shown in the original promotional offer from Robinhood (the boosted APY rate) on top of the standard Gold APY rate as a special offer for the first 60 days.

You’ll get the standard Gold 4% APY rate. 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 will then begin receiving the standard Gold APY rate.

The APY interest that you get 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.

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

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

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

Offer: Customers who meet the eligibility criteria of this Gold Customer Offer and make a single successful cash deposit of at least the deposit amount displayed to them in the original promotional offer from Robinhood (the “Deposit Amount”) into their Robinhood non-retirement joint or individual investing account between December 9, 2024 at 12 AM PT and December 16, 2024 at 11:59 PM PT will receive the higher APY rate (“Boosted APY Rate”) on top of the standard Gold APY rate as a special offer for 60 days after they make a deposit. The Boosted APY Rate will be the amount displayed in the in-app or email communication associated with this Gold Customer Offer.

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, customers will temporarily receive the standard Gold APY rate until the boost resumes. After a pause, customers will resume receiving the Boosted APY Rate until they have received the Boosted APY Rate for a total of 60 days.

Cancellation: This Gold Customer Offer is only available for customers who maintain an active 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.

Qualifying Net Deposits: Customers must maintain “Net Deposits” greater than or equal to the Deposit Amount in order to receive the Boosted APY Rate for the entire 60 day duration. Net Deposits is defined as the deposits minus withdrawals from a customer’s Robinhood non-retirement investing account over the 60 day boost period. As long as Net Deposits equal or exceed the deposit amount for 60 days, customers will receive the full Boosted APY Rate for each of those days. If Net Deposits drop below the Deposit Amount, a customer may no longer receive the Boosted APY Rate and the account will receive the standard Gold APY rate.

Qualifying Deposits: A qualifying deposit must be a single cash deposit from an external account in an amount equaling or exceeding the Deposit Amount. Multiple deposits cannot be combined to satisfy the terms of this Gold Customer Offer. Deposits into retirement, cryptocurrency, spending or any other types of Robinhood accounts not designated in this Gold Customer Offer are not eligible deposits for purposes of this Gold Customer Offer. Deposits from retirement, cryptocurrency, spending, or any other type of Robinhood account and transfers between joint and individual brokerage investing accounts are not eligible deposits for the purposes of this Gold Customer Offer.

Withdrawals: The following activities constitute a withdrawal for the purposes of calculating Net Deposits: (i) standard bank account withdrawals (originated ACH) (ii) instant transfers (iii) ACATS out (iv) wire transfers out (v) debit card funding (vi) assisted withdrawals.

Timing of Boost: In most cases, the Boosted APY Rate will immediately apply upon initiation of a deposit. In some cases, such as an initiation of a wire deposit, the Boosted APY Rate may take up to 24 hours to show up in the account.

Limitations: This Gold Customer 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 Gold Customer Offer terms, or terminate the Gold Customer Offer, at any time without notice. This Gold Customer Offer is valid even if other Robinhood Offers have already been accepted. The Gold Customer 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 a tax professional about the appropriate tax treatment for this Gold Customer Offer and any tax implications associated with receipt of a cash reward before enrolling. The funds received through this Gold Customer Offer will be reported as interest income in a 1099-INT form. Because of IRS minimum earnings requirements, customers may not receive a 1099-INT form if the interest payments received during the calendar year are less than $10.

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