What are bigger Instant Deposits? | Robinhood
Getting started
Account and login
Robinhood Strategies
Robinhood Gold Credit Card
Robinhood Legend
Spending
Robinhood Crypto
Investing
Retirement
Robinhood Wallet
Robinhood Gold
What’s Robinhood Gold?
What are bigger Instant Deposits?
What’s professional research from Morningstar?
What’s Level II Market Data?
How do I upgrade to Gold?
How do I pay for Robinhood Gold?
How do I downgrade from Gold?
What does it mean to earn more interest?
With margin investing enabled, why do I have an account deficit?
Sage Home Loans
Robinhood Banking
Robinhood Derivatives
Bank transfers and linking
Documents and taxes
General questions
< Robinhood Gold
Help Center > Robinhood Gold

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, and are not available in accounts managed by Robinhood Strategies.

Note

Bigger, Gold-level Instant Deposits aren’t available for IRAs.

Does Instant Deposit have a limit?

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.

NOTE: 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?

Account typePortfolio value excluding pending depositsInstant Deposit limit
Investing account, no Robinhood GoldLess than $1,000Up to $1,000
Investing account, no Robinhood GoldGreater than $1,000Up to $1,000 or 2 times your portfolio value (rounded down to the nearest whole thousand), whichever is greater
Investing account with Robinhood GoldLess than $1,000Up to $5,000
Investing account with Robinhood GoldGreater than $1,000Up to $5,000 or 3 times your portfolio value (rounded down to the nearest whole thousand), whichever is greater
IRA, regardless of Gold subscription statusRegardless of portfolioUp to $1,000
Note

Instant Deposits are only available to your investing accounts.

Why do Instant Deposit limits vary?

Instant Deposit limits can vary for the following reasons:

  • You have open trades held overnight
  • Instant funds from a pending deposit were used the prior trading day
  • There were recent changes to your account activity or risk profile
  • You have pending orders or unsettled trades
  • Your account recently received a deposit reversal or had a transfer issue
  • There’s been a recent downgrade or change to your account status or verification
  • Instant Deposits are only available for investing accounts
How can I check how much instant access I received?

You’ll be shown how much of your transfer was granted instant access once you submit a deposit.

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. 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.

Disclosures

Disclosures

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.

Was this article helpful?
Reference No. 4328003
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).

Futures and cleared swaps trading is offered by Robinhood Derivatives, LLC, (“RHD”) a registered futures commission merchant with the Commodity Futures Trading Commission (CFTC) and a Member of the National Futures Association (NFA). RHD is not FDIC insured or SIPC protected.

Cryptocurrency services are offered through an account with Robinhood Crypto, LLC (“RHC”) (NMLS ID: 1702840). Robinhood Crypto is licensed to engage in virtual currency business activity by the New York State Department of Financial Services. Review a list of RHC's licenses for more information. Cryptocurrency held through Robinhood Crypto is not FDIC insured or SIPC protected.

The Robinhood spending account is offered through Robinhood Money, LLC (“RHY”) (NMLS ID: 1990968), a licensed money transmitter. Review a list of our licenses for more information.

The Robinhood Cash Card is a prepaid card issued by Sutton Bank, Member FDIC, pursuant to a license from Mastercard® International Incorporated. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.

Robinhood Gold Card is 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 Gold is a subscription-based membership program of premium services offered through Robinhood Gold, LLC (“RHG”).

RHF, RHY, RHC, RCT, RHG, RHD, and RHS are affiliated entities and wholly owned subsidiaries of Robinhood Markets, Inc. RHF, RHY, RHC, RCT, RHG, RHD, and RHS are not banks. Investing products offered by RHF are not FDIC insured and involve risk, including possible loss of principal.

RHY is not a member of FINRA, and products are not subject to SIPC protection, but funds held in the Robinhood 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.

RO 4146192

Robinhood, 85 Willow Road, Menlo Park, CA 94025. © 2025 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).

Futures and cleared swaps trading is offered by Robinhood Derivatives, LLC, (“RHD”) a registered futures commission merchant with the Commodity Futures Trading Commission (CFTC) and a Member of the National Futures Association (NFA). RHD is not FDIC insured or SIPC protected.

Cryptocurrency services are offered through an account with Robinhood Crypto, LLC (“RHC”) (NMLS ID: 1702840). Robinhood Crypto is licensed to engage in virtual currency business activity by the New York State Department of Financial Services. Review a list of RHC's licenses for more information. Cryptocurrency held through Robinhood Crypto is not FDIC insured or SIPC protected.

The Robinhood spending account is offered through Robinhood Money, LLC (“RHY”) (NMLS ID: 1990968), a licensed money transmitter. Review a list of our licenses for more information.

The Robinhood Cash Card is a prepaid card issued by Sutton Bank, Member FDIC, pursuant to a license from Mastercard® International Incorporated. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.

Robinhood Gold Card is 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 Gold is a subscription-based membership program of premium services offered through Robinhood Gold, LLC (“RHG”).

RHF, RHY, RHC, RCT, RHG, RHD, and RHS are affiliated entities and wholly owned subsidiaries of Robinhood Markets, Inc. RHF, RHY, RHC, RCT, RHG, RHD, and RHS are not banks. Investing products offered by RHF are not FDIC insured and involve risk, including possible loss of principal.

RHY is not a member of FINRA, and products are not subject to SIPC protection, but funds held in the Robinhood 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.

RO 4146192

Robinhood, 85 Willow Road, Menlo Park, CA 94025. © 2025 Robinhood. All rights reserved.