What are bigger Instant Deposits?
Our Instant Deposit feature can give you immediate access to trade with a portion of a pending deposit. You may get bigger Instant Deposits with Robinhood Gold ($5 per month subscription).
Keep in mind, Instant Deposits may not be available for all deposits.
Bigger, Gold-level Instant Deposits aren’t available for IRAs.
Your Instant Deposit limit is based on your portfolio value and account type. 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.
| Account type | Portfolio value excluding pending deposits | Instant Deposit limit |
| Investing account, no Robinhood Gold | Less than $1,000 | $1,000 |
| Investing account, no Robinhood Gold | Greater than $1,000 | 2 times your portfolio value, rounded down to the nearest whole thousand |
| Investing account with Robinhood Gold | Less than $2,000 | $5,000 |
| Investing account with Robinhood Gold | Greater than $2,000 | 3 times your portfolio value, rounded down to the nearest whole thousand |
| IRA, regardless of Gold subscription status | Regardless of portfolio | $1,000 |
Instant Deposits are only available to your investing accounts.
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.
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.