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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 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 five business days for your funds to settle.

What’s my Instant Deposit limit?

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

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

Without Robinhood Gold, you get $1,000 in Instant Deposits, regardless of your account balance. You can always find your Instant Deposit limit in the Instant Deposit Health section of your account overview.

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 five 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 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 described above, your Instant Deposit limit on Robinhood Gold is determined by your 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 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.

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 account.

If your Instant Deposit access is restricted, it may become available again after transfers successfully settle. You can find steps to regain access in the Instant Deposit Health section of your account overview.


Disclosures

Robinhood Gold is offered through Robinhood Financial LLC. Robinhood Gold is an account offering premium services available for a $5 monthly fee.

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

Reference No. 20210909-1831209-5631981