As a Robinhood Gold member, you can earn a 3% match on all eligible annual IRA contributions. For a limited time only, select Robinhood Gold members can also earn a 3% match on IRA transfers and 401(k) rollovers into their Robinhood self-directed retirement account through April 30, 2025, with no limit on the amount of match they can earn.

A rollover is a non-taxable way to transfer money from a retirement plan, like an old 401(k), into an IRA. A rollover is just 1 of 4 options you can consider for your old 401(k).

After the transfers promotion ends on April 30, 2025:

• Everyone, including Robinhood Gold subscribers and those who don’t subscribe to Gold, will earn 1% match on IRA transfers.
• Robinhood Gold subscribers will earn a 3% match on IRA annual contributions.
• Customers who don’t subscribe to Robinhood Gold will earn 1% on IRA annual contributions.

For more information about the Robinhood Gold subscription, check out What's Robinhood Gold?

Keep in mind, customers who don’t subscribe to Robinhood Gold get a 1% match all year on IRA annual contributions and retirement account transfers.

To receive the 3% transfer match:

• You must directly receive this offer from Robinhood through your app or email.
• Your IRA or 401(k) transfer must be initiated into your Robinhood IRA during the promotion period of April 3, 2025 at 12 AM PT through April 30, 2025 at 11:59 PM PT.
• 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 Gold match deposit (either a transfer or contribution).

In addition, you must keep your assets in your Robinhood 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 IRA transfers initiated between April 3, 2025 through April 30, 2025 and subtracting all IRA transfers out between the same dates.

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 deposits settle in your IRA. 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.

The IRA match on annual contributions, transfers, and 401(k) rollovers are considered income earned by the IRA account for tax reporting purposes. This won’t be included on your 1099 due to the tax status of IRAs. For more details, review IRA match FAQ.

Robinhood Gold IRA Deposits Match Terms & Conditions

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.