With Instant Deposits, you may be able to instantly trade with a portion of a pending deposit into your Robinhood investing or retirement account. Although you may have access to a portion of the deposit right away, the transfer from your bank into your Robinhood account may take up to 5 business days to be available.

A Robinhood Strategies managed account may invest a portion or all of a pending deposit.

In certain circumstances, you may get bigger Instant Deposits with a Robinhood Gold subscription ($5 monthly or $50 annually). For more details, check out What are bigger Instant Deposits.

To avoid a transfer reversal, make sure you have enough money in your bank account to cover the transfer for at least 5 business days. A transfer reversal occurs when a transfer is canceled for insufficient funds or for a number of other reasons. Check out How to ensure a successful transfer to learn more.

If you have multiple investing accounts, your Instant Deposit limit is based on your total portfolio value across all of your self-directed individual investing accounts with Robinhood. This limit is then shared across all your investing accounts, so if you receive Instant Deposit access for a transfer in 1 of those accounts, it’ll reduce the amount of Instant Deposit access available across all of them.

For a joint investing account, your Instant Deposit limit is separate from your individual investing accounts, and is based on your joint account’s prior day portfolio value, less pending deposits.