As a Robinhood Gold subscriber, transfers into your Robinhood individual or joint investing account from an external brokerage will earn you a 2% bonus. No matter how much you transfer, we’ll give you an extra 2%.

When you transfer eligible assets from outside brokerage accounts into your Robinhood individual investing account or Robinhood joint investing account with a Robinhood Gold subscription, starting at 12 AM ET on March 14, 2025 until 11:59 PM ET on March 31, 2025, you'll get a 2% bonus on top of the net transferred asset value. Only brokerage account transfers earn the bonus and not other transfers, like ACH transfers. You must initiate the account transfer during the offer period, although the account transfer may settle outside this period.

You’ll earn a 2% bonus on the net transferred asset value, including transferred cash and securities, on the trading day before transfers settle. Settlement occurs when the securities are posted to the account and available to trade. Note that the bonus is only available for assets that successfully transfer and settle, and won’t be granted for those that are rejected.

Example

Let’s say you transfer $4,000 out of your investing account on March 14, 2025, and then transfer $10,000 back in on March 24, 2025. Only the net new $6,000 will be eligible for the bonus.

We don’t charge a fee to transfer assets into Robinhood. However, your outside brokerage may charge you a transfer fee to transfer your assets. For any full or partial account transfer into Robinhood that's $7,500 or more, we’ll reimburse the transfer fees your other brokerage may charge, up to $75 per account type, per brokerage. Contact us to request a reimbursement.

It typically takes 5-7 business days for transferred assets to fully settle into your Robinhood account.

Generally, the bonus will be available in your account and ready to invest after your account transfer is fully settled.

The bonus is reported as miscellaneous income in your individual investing account or in your joint investing account under the primary owner’s SSN or TIN.

Keeping the bonus after ending your Robinhood Gold subscription or withdrawing money from your account depends on how long you maintain your Robinhood Gold subscription and maintain the transferred assets in your individual or joint investing account and the account’s net balance, as described in the following example.

As long as you (1) keep your Robinhood Gold subscription for at least 1 year and (2) keep the eligible funds for at least 5 years in your Robinhood individual or joint investing account, the bonus is yours to keep.

If you withdraw money earlier than 5 years from when it’s settled in your account, and your remaining account balance stays at or more than the bonus plus the net transferred value that earned the bonus, it’s yours to keep.

However, if you withdraw money before 5 years and your remaining account balance reduces to less than the net transferred value, a portion of your bonus may be deducted from your account. After 90 days, any bonus reduction applied will be based on how much time remains in the required holding period.

Note though that after 90 consecutive days, you’ll unlock a one-time, 60-day grace period where you can withdraw up to your original transferred amount without triggering an immediate bonus reduction. However, the bonus portion of your account value will be temporarily frozen, which means it’ll be unavailable to invest or withdraw until the withdrawn money is returned to your account. Keep in mind, the grace period doesn’t apply to ACATS transfers out or if you cancel your Robinhood Gold subscription. If a withdrawal outside of the grace period causes your account balance to decrease to less than the originally transferred amount, a prorated bonus reduction will apply based on the remaining time left in the 5-year holding period.

Example

Let’s say your current account balance is $5,000, and you transferred assets valued at $10,000 into your Robinhood account on March 14, 2025 and the funds settled on March 20th.

• You’d earn a $200 bonus, which is now available in your account as buying power. Your new account balance is $5,000 (current balance) + $10,000 (transfer amount) + $200 (bonus) = $15,200
• Here are some withdrawal examples that show how timing and withdrawal amount affect your account balance. For all these examples, we’re assuming that your account balance starts at $15,200:
  • Withdraw any amount of money on or after March 20, 2030 (5 years after the settlement date of your account transfer) and keep the bonus.
  • Withdraw $500 before March 20, 2030. You can keep the $200 bonus because the remaining account balance, excluding the bonus and after the withdrawal, remains greater than the transfer amount.
    • $15,200 (current balance) - $200 (bonus) - $500 (withdrawal amount) = $14,500 > $10,000 (transfer amount)
  • Withdraw $6,000 before March 20, 2030. We’d remove $20 of your account transfer bonus because the remaining account balance, excluding the bonus and after the withdrawal, drops below the transfer amount.
    • $15,200 (current balance) - $200 (bonus) - $6,000 (withdrawal amount) = $9,000 < $10,000 (transfer amount)
    • 2% x ($10,000 - $9,000) = $20

Grace period example

Let’s say you transferred $1,000 and received a $20 bonus, then withdrew $500 during the grace period, your $20 bonus would be frozen and unavailable for use until the $500 is returned. This allows you to temporarily access your money while having the option to retain your full bonus only if you replace the withdrawn amount within the grace period.

Your balance is definitely affected by negative or positive market movement. Market movements don’t impact your bonus, only withdrawals or asset transfers out would cause a bonus removal.

Examples

• Negative market movement can decrease your account balance. For example, let’s say you start with an account balance of $0 and transfer $10,000 into your account.

  • You’d earn a $200 bonus, which is now available in your account as buying power.
  • You invest the $10,200 in a stock that decreases in value to $9,000. Even if your portfolio value drops below $10,200, you can keep the $200 bonus. However, if the value of your portfolio decreases and you initiate a withdrawal, you may be subject to a chargeback per the following terms and conditions.

• Positive market movement can increase your account balance. For example, let’s say you start with an account balance of $0 and transfer $10,000 into your account and get a $200 bonus.

  • You’d earn a $200 bonus, which is now available in your account as buying power.
  • You then invest the $10,200 in a stock that increases your account balance to $20,200.
  • Then you withdraw $10,000 to your bank account. You’ll keep your $200 bonus because your remaining balance, excluding the bonus, is $10,000, which is equal to what you transferred in to get the bonus.

Robinhood Financial LLC (“Robinhood”) ACATS 2% Bonus Offer (“Bonus Offer”) is subject to these Terms and conditions.

Eligibility: The Bonus Offer is only available to customers who have: (1) an individual or joint Robinhood taxable brokerage account (“Brokerage Account”); (2) are active subscribers to the Robinhood Gold product at the time that the customer’s ACATS transfer is initiated and completed; and (3) within the Offer Period, successfully completed an Automated Customer Account Transfer Service (“ACATS”) transfer of new funds or investments to their Brokerage Account from an external brokerage account.

Offer: Robinhood ACATS Bonus. For eligible Robinhood customers who complete an ACATS transfer within the Offer Period, Robinhood will deposit 2% of the net transferred asset value to the customer’s Brokerage Account, subject to both (1) maintaining an active Gold subscription for at least one (1) year from the date of the first eligible ACATS transfer, as discussed below, and (2) a five-year (5-year) earn-out as discussed in this section.

“Net transferred asset value” is the total value of all initiated ACATS from March 14, 2025 at 12 AM ET to March 31, 2025 at 11:59:59 PM ET minus the value of any outflows from March 14, 2025 at 12:00:00 AM ET until the first ACATS In settles. The Bonus will be deposited into the customer’s Brokerage Account within approximately two weeks from when the customer’s eligible ACATS transfer settles. The Offer Period begins March 14, 2025 and ends March 31, 2025; however, Robinhood may change these dates at any time without notice. Transferred assets are eligible if they are initiated during the Offer Period and successfully settle.

Limitations: If a customer either: (1) during the one-year period after receiving a Robinhood ACATS Bonus, cancels or does not maintain an active Robinhood Gold subscription for at least 1 continuous year; or (2) during the 5-year period after receiving a Robinhood ACATS Bonus, initiates one or more withdrawals from their Brokerage Account and, after which, the Brokerage Account value is less than the net transferred asset value (excluding the bonus amount received), Robinhood will chargeback a proportional amount of the Bonus amount, separate from and in addition to any ACATS out fee. If the customer has cash available in their Brokerage Account, this chargeback will be deducted from their available cash balance. If the customer has insufficient cash available in their Brokerage Account to cover the chargeback, this fee may be debited from their outgoing financial institution, or added to a margin balance, if applicable. Examples of a customer failing to maintain active Gold membership include, but are not limited to: failure to pay the monthly Gold subscription fee in the customer’s individual brokerage account, or the deactivation or restriction of the customer’s brokerage account. Withdrawals include, but are not limited to: a debit card transaction from a customer’s Brokerage Account, originated and non-originated ACH, wire transfers, and ACATS. However, a withdrawal shall not include the purchase of an investment in your Brokerage Account, such as a stock or a purchase of cryptocurrencies in your Robinhood Crypto Account.

After maintaining the net transferred asset value plus the bonus amount received for at least 90 consecutive days, customers will be eligible to take advantage of a one-time, optional 60-day grace period (“Grace Period”) during which withdrawals will be permitted without the consequence of a chargeback. During the Grace Period, a customer may withdraw up to the principal net transferred asset value (but not including the received bonus amount). The Grace Period is not available for ACATS transfers out, or cancellation of the customer’s Robinhood Gold subscription. During the Grace Period, the portion of the customer’s received bonus amount that is subject to chargeback will be frozen and will not be able to be used until the withdrawn funds are returned to the Brokerage Account. Additionally, after maintaining the net transferred asset value plus the bonus amount received for at least 90 consecutive days, if a chargeback is triggered, Robinhood will use proration to calculate the chargeback amount, in which case the amount to be charged back against the customer’s Brokerage Account will be determined by multiplying the amount to be charged back by the percentage of remaining time left in the required 5-year holding period.

In the event that Robinhood determines in its sole discretion that there may have been fraudulent activity or a violation of these Terms in connection with the Bonus, Robinhood reserves the right to either decline to grant the Bonus, or to rescind or liquidate the Bonus, or any security or any related dollar proceeds derived from the Bonus. The Bonus will be credited to the customer’s Brokerage Account within approximately two weeks after the customer has fulfilled the conditions of the Offer, though this timeline may be delayed in Robinhood’s sole discretion if, for example, Robinhood determines that there are indications of fraud or a violation of these Terms.

The amount of the Bonus is calculated based on 2% of the net transferred asset value (as defined above), using the national market system closing price of each position transferred into the account on the trading day before when the transfer settles. Settlement is deemed to occur when the securities are posted to the account and available to trade. Please note that the Bonus is only available for securities that successfully transfer and settle, and will not be granted for securities that are rejected.

If 2% of a customer’s transfer results in a Bonus amount that includes a fraction of a dollar smaller than $0.01, the Bonus is calculated to 4 decimal points. We’ll add the Bonus amount to their account after it reaches the next whole cent increment. For example, if they make 4 individual ACATS transfers of $0.25, we’ll add a match into their account when it accrues up to $0.01.

The Robinhood ACATS Bonus Offer is not a recommendation of any investment or investment strategy, and is not a recommendation that a customer transfer assets into a Robinhood Brokerage Account. Robinhood reserves the right to change the offer terms or terminate the offer at any time without notice. The offer is not transferable, saleable, or valid in conjunction with certain other offers and is available to US residents only. The offer is only available for personal use, and may not be used for commercial purposes.

Taxes: Consult with your tax advisor about the appropriate tax treatment for this offer and any tax implications associated with receipt of a cash reward before enrolling. For taxable accounts, the value of all Robinhood offers received or charged back may be reported on applicable 1099 forms where required by rules and regulations. Robinhood does not take responsibility for any tax related to this cash reward.

Securities trading offered through Robinhood Financial LLC, Member SIPC, a registered broker-dealer, and a subsidiary of Robinhood Markets, Inc.