Supercharge your next move
Smarter money starts with Gold
Unlock these premium financial tools for $5/month.
High-yield cash
Retirement boost
Bigger instant deposits
Management-fee cap
Big moves. Low fees.
Robinhood Cortex
Exclusive home loan offers
Build your future—
with intention
Invest in your future with a 3% boost on annual IRA contributions, up to $225 based on the 2026 maximum contribution.
Put your cash to work with
3.25% APY
Maximize your money’s potential
The only swipe
that matters
Subject to credit approval and underwriting. Robinhood Gold Card is offered by Robinhood Credit, Inc., and is issued by Coastal Community Bank, pursuant to a license from Visa U.S.A. Inc. Robinhood Credit, Inc. (RCT), is a financial technology company, not a bank.
Robinhood Banking is a financial services platform offered by Robinhood Money, LLC (RHY). RHY is a financial technology company, not a bank. Banking services are provided by Coastal Community Bank, Member FDIC.
Explore the benefits of Gold
How is Robinhood able to offer 8x the national savings average? How does it work?
We're always looking for ways to help our customers make their money work for them. Through our High-Yield Cash program, we’re able to offer you a competitive APY on your eligible cash. Once you have Gold, just opt in to the High-Yield Cash to have your eligible brokerage account cash automatically earn interest.
How do I earn the 3% IRA Match and when is it paid out?
You can earn the 3% match on all new IRA contributions, up to the contribution limit.
The IRA Match will generally be available in your account and ready to invest when your deposits are completed. You must stay subscribed to Gold for one year and keep the assets in the IRA for five years in order to keep the full 3% match. See the IRA Match FAQ for more details about how it works.
Is there a limit on how much interest I can earn?
Nope! There is no cap or max on how much interest you can earn.
Is it hard to withdraw my cash? How long does it take to get it out?
It's your money, you can access your money whenever you want. Bank transfers can take up to 4-5 days or you can choose the instant withdrawal option for a 1.5% fee.
How quickly can I move my money from earning interest to making an investment?
Instantly! Your uninvested cash can be used to invest at any time to purchase assets in your brokerage account or IRA.
How is this different from a savings account?
Cash sweeps provide a way to ensure your money is not sitting idly in your brokerage account when it could be earning interest at a bank. With Robinhood Gold, your uninvested cash earns interest in bank deposit accounts at our network of partner banks. Interest is paid out monthly.
How do I pay for Gold?
Your brokerage account will be charged the monthly subscription fee every 30 days at the beginning of each billing cycle. Try Gold for free for your first 30 days.