What are bigger Instant Deposits?
Our Instant Deposit feature can give you immediate access to trade with a portion of a pending deposit in your Robinhood investment or retirement account. You may get bigger Instant Deposits with a Robinhood Gold subscription ($5 monthly or $50 annually).
Keep in mind, Instant Deposits may not be available for all deposits.
Bigger, Gold-level Instant Deposits aren’t available for IRAs.
Yes, your Instant Deposit limit is based on the total portfolio value across your self-directed, investing accounts that are the same account type. For example, multiple individual investing accounts and joint investing accounts will have different total portfolio values and different Instant Deposit limits. For Instant Deposit limits, your portfolio value is calculated as of the end of regular market hour trading on the prior day and doesn’t include pending deposits.
Accounts managed by Robinhood Strategies are eligible for Instant Deposits but the limits differ from what’s listed in the following table for self-directed investing accounts. Instant Deposit limits for managed accounts are based on the account value, deposit history, and status across all your Robinhood accounts.
| Self-directed investing accounts, with or without Gold | Total portfolio value across same account type (excluding pending deposits) | Instant Deposit limit |
| Investing accounts, no Robinhood Gold | Less than $1,000 | Up to $1,000 |
| Investing accounts, no Robinhood Gold | Greater than $1,000 | Up to $1,000 or 2 times your portfolio value (rounded down to the nearest whole thousand), whichever is greater |
| Investing accounts with Robinhood Gold | Less than $1,000 | Up to $5,000 |
| Investing accounts with Robinhood Gold | Greater than $1,000 | Up to $5,000 or 3 times your portfolio value (rounded down to the nearest whole thousand), whichever is greater |
| IRAs, regardless of Gold subscription status | Regardless of portfolio | Up to $1,000 |
Instant Deposits are only available to your investing accounts. And Instant Deposit limits aren’t guaranteed amounts but are the maximum possible amount that you may be eligible to receive based on your account type and status. For more details, check out Why can’t I use my Instant Deposit?
Instant Deposit limits can vary for the following reasons:
You’ll be shown how much of your transfer was granted instant access once you submit a deposit.
If you deposit more funds than your Instant Deposit limit, you’ll only get instant availability up to your limit. The additional funds over your limit will be made available within 5 business days.
Also, if your most recent transfer wasn’t granted instant access, the funds will be available for trading within 5 business days.
Your Instant Deposit limit applies across your self-directed individual investing accounts, so if you receive Instant Deposit access for a transfer in 1 account, it’ll reduce the amount of Instant Deposit access available across the other accounts.
Robinhood Gold is a subscription-based membership program of premium services offered through Robinhood Gold, LLC. Bigger Instant Deposits are only available if your Instant Deposits status is in good standing.
Robinhood Asset Management, LLC (“RAM” or “Robinhood Strategies”) is an SEC-registered investment advisor. Robinhood Financial LLC (member SIPC) is a registered broker dealer. Robinhood Securities LLC (member SIPC) provides clearing services.