What are bigger Instant Deposits? | Robinhood

What are bigger Instant Deposits?

Our Instant Deposit feature gives you immediate access to $1,000 after you initiate a deposit. With Robinhood Gold, you can get even bigger Instant Deposits—up to $50,000 depending on your brokerage account balance and status. That means if you see an opportunity in the market, you can use your money right away instead of waiting up to 5 business days for your funds to settle.

What’s my Instant Deposit limit?

With Robinhood Gold, your Instant Deposit limit is based on your brokerage account balance:

  • $50,000 if your portfolio value is over $50,000
  • $25,000 if your portfolio value is over $25,000
  • $10,000 if your portfolio value is over $10,000
  • $5,000 if your portfolio value is under $10,000

In an Instant account without Robinhood Gold, you get $1,000 in Instant Deposits, regardless of your brokerage account balance. You can always find your Instant Deposit limit in Account (person) → Menu (3 bars) or Settings (gear) → InvestingInstant Deposits.

What's my portfolio value?

Your portfolio value is your total equity value. In other words: Market value of equities + market value of options + market value of crypto + net cash = portfolio value.

Why isn’t my full bank deposit available right away?

If you deposit more funds than your Instant Deposit limit, you’ll only get instant availability up to your limit. This means that you’ll have to wait up to 5 business days for the additional funds over your limit to settle.

For example, if you’re a Robinhood Gold subscriber and have $3,000 in your brokerage account, your Instant Deposit limit will be $5,000. If you make a $6,000 deposit from your bank, $5,000 of the new funds will be available instantly. The remaining $1,000 will become available when the deposit is complete.

Can I increase my Instant Deposit amount?

Yes! As previously described, your Instant Deposit limit on Robinhood Gold is determined by your brokerage account balance. You can increase your Instant Deposit limit by depositing more money to meet the next limit tier. Similarly, if your account balance decreases below a cutoff amount, your Instant Deposit limit will decrease to the lower tier limit.

For example, if you have $3,000 in your brokerage account, your Instant Deposit limit will be $5,000. If your account balance increases to $10,000, your Instant Deposit limit will increase to $10,000.

Note

Instant Deposits are only available to brokerage accounts.

Can I lose access to Instant Deposits?

Instant Deposit access is based on the expectation that your recent pending transfers from your bank to Robinhood will successfully settle and pass certain risk checks. You may lose access to Instant Deposits if your transfers don’t settle or if a risk check flags your brokerage account.

If your Instant Deposit access is restricted, it may become available again after transfers successfully settle.

Disclosures

Robinhood Gold is an account offering premium services available for a monthly fee and is offered through Robinhood Financial LLC. Bigger Instant Deposits are only available if your Instant Deposits status is in good standing.

Robinhood Financial LLC (member SIPC), is a registered broker dealer. Robinhood Securities, LLC (member SIPC), is a registered broker-dealer and provides brokerage clearing services. Robinhood Crypto, LLC provides crypto currency trading. All are subsidiaries of Robinhood Markets, Inc. (‘Robinhood’).

Was this article helpful?
Reference No. 3311908
PARTICIPATION IS POWER™

All investing involves risk.

Brokerage services are offered through Robinhood Financial LLC, (“RHF”) a registered broker-dealer (member SIPC) and clearing services through Robinhood Securities, LLC, (“RHS”) a registered broker dealer (member SIPC). Cryptocurrency services are offered through Robinhood Crypto, LLC (“RHC”) (NMLS ID: 1702840). The Robinhood Money spending account is offered through Robinhood Money, LLC (“RHY”) (NMLS ID: 1990968), a licensed money transmitter. Credit card products are offered by Robinhood Credit, Inc. (“RCT“) (NMLS ID: 1781911 and issued by Coastal Community Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc.

The Robinhood Cash Card is a prepaid card issued by Sutton Bank, Member FDIC, pursuant to a license from Mastercard® International Incorporated. RHF, RHY, RHC and RHS are affiliated entities and wholly owned subsidiaries of Robinhood Markets, Inc. RHF, RHY, RHC and RHS are not banks. Securities products offered by RHF are not FDIC insured and involve risk, including possible loss of principal. Cryptocurrencies held in RHC accounts are not covered by FDIC or SIPC protections and are not regulated by FINRA. RHY products are not subject to SIPC coverage but funds held in the Robinhood Money spending account and Robinhood Cash Card account may be eligible for FDIC pass-through insurance (review the Robinhood Cash Card Agreement and the Robinhood Spending Account Agreement).

Options trading entails significant risk and is not appropriate for all customers. Customers must read and understand the Characteristics and Risks of Standardized Options before engaging in any options trading strategies. Options transactions are often complex and may involve the potential of losing the entire investment in a relatively short period of time. Certain complex options strategies carry additional risk, including the potential for losses that may exceed the original investment amount.

Commission-free trading of stocks, ETFs and options refers to $0 commissions for Robinhood Financial self-directed individual cash or margin brokerage accounts that trade U.S. listed securities and certain OTC securities electronically. Keep in mind, other fees such as trading (non-commission) fees, Gold subscription fees, wire transfer fees, and paper statement fees may apply to your brokerage account. Please see Robinhood Financial's Fee Schedule to learn more.

© 2024 Robinhood. All rights reserved.
Follow us on

All investing involves risk.

Brokerage services are offered through Robinhood Financial LLC, (“RHF”) a registered broker-dealer (member SIPC) and clearing services through Robinhood Securities, LLC, (“RHS”) a registered broker dealer (member SIPC). Cryptocurrency services are offered through Robinhood Crypto, LLC (“RHC”) (NMLS ID: 1702840). The Robinhood Money spending account is offered through Robinhood Money, LLC (“RHY”) (NMLS ID: 1990968), a licensed money transmitter. Credit card products are offered by Robinhood Credit, Inc. (“RCT“) (NMLS ID: 1781911 and issued by Coastal Community Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc.

The Robinhood Cash Card is a prepaid card issued by Sutton Bank, Member FDIC, pursuant to a license from Mastercard® International Incorporated. RHF, RHY, RHC and RHS are affiliated entities and wholly owned subsidiaries of Robinhood Markets, Inc. RHF, RHY, RHC and RHS are not banks. Securities products offered by RHF are not FDIC insured and involve risk, including possible loss of principal. Cryptocurrencies held in RHC accounts are not covered by FDIC or SIPC protections and are not regulated by FINRA. RHY products are not subject to SIPC coverage but funds held in the Robinhood Money spending account and Robinhood Cash Card account may be eligible for FDIC pass-through insurance (review the Robinhood Cash Card Agreement and the Robinhood Spending Account Agreement).

Options trading entails significant risk and is not appropriate for all customers. Customers must read and understand the Characteristics and Risks of Standardized Options before engaging in any options trading strategies. Options transactions are often complex and may involve the potential of losing the entire investment in a relatively short period of time. Certain complex options strategies carry additional risk, including the potential for losses that may exceed the original investment amount.

Commission-free trading of stocks, ETFs and options refers to $0 commissions for Robinhood Financial self-directed individual cash or margin brokerage accounts that trade U.S. listed securities and certain OTC securities electronically. Keep in mind, other fees such as trading (non-commission) fees, Gold subscription fees, wire transfer fees, and paper statement fees may apply to your brokerage account. Please see Robinhood Financial's Fee Schedule to learn more.

© 2024 Robinhood. All rights reserved.