December account transfer bonus
You can earn a bonus on top of eligible asset transfers into your self-directed Robinhood IRA, individual, or joint investing account from an external brokerage with the following terms:
When you transfer eligible assets from outside brokerage accounts and include a margin balance of at least $10,000 into your margin-approved Robinhood individual investing account or Robinhood joint investing account starting at 8:59 PM PT on December 18, 2025 until 8:59 PM PT on December 31, 2025, you'll get a 2% bonus (terms apply) on top of the net transferred asset value of that transfer.
Only brokerage account ACATS 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 (terms apply) on the net transferred asset value of assets transferred in via ACATS, including transferred cash and securities, as valued on the trading day before transfers settle. The net transferred asset value of the incoming ACATS transfers includes credit balances, minus any debit balance. Debit balance includes the amount of margin balance you transfer in. 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.
The bonus is not paid on transferred in margin balance, but rather on the value of assets transferred in via ACATS, minus margin balance transferred in and any other credits. For example, if you transfer in $110,000 of securities and a $10,000 margin balance, you will receive the 2% bonus on $100,000 of transferred assets ($110,000 of transferred securities minus $10,000 of margin balance = $100,000 net transferred in value subject to 2% bonus).
Let’s say you transfer $4,000 out of your investing account on December 19, 2025, and then transfer $10,000 back in on December 26, 2025. Only the net new $6,000 will be eligible for the bonus.
No, Robinhood Gold is not required for this promotion.
We’ll deposit your earned bonus within 2 weeks after the eligible deposits settle in your margin account. Note that the 1% ACATS bonus offer described in this article may initially be credited, if your transfer qualifies for the 2% margin bonus then the additional 1% will be credited within 2 weeks.
We don’t charge a fee to transfer assets in. However, your outside retirement account 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. Contact us to request a reimbursement.
No. If you move assets to your Robinhood individual or joint investing account by December 25, 2025 at 8:59 PM PT and your transfer has no margin or less than $10,000 in margin, you’ll get a 1% bonus.
If you move assets between December 18, 2025 at 9 PM PT and December 31, 2025 at 8:59 PM PT and your transfer includes at least $10,000 in margin, you’ll get a 2% bonus instead of the 1% bonus.
If you move assets between December 25, 2025 at 9 PM PT and December 31, 2025 at 8:59 PM PT and your transfer has less than $10,000 in margin, you will not get a bonus.
When you transfer eligible assets from outside brokerage accounts into an eligible account starting at 9 AM PT on December 2, 2025, you'll get a 1% or 2% bonus (terms apply) 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.
The 1% match is for taxable individual and joint investing account transfers and doesn’t require a Gold subscription. The 2% is for retirement account transfers and does require a Gold subscription.
Depending on the type of account you’re transferring into, and whether or not you’re a Robinhood Gold member, you’ll earn a 1% or 2% bonus (terms apply) 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.
This bonus is based on eligible net transfers in. If you do an ACATS transfer of money or assets out of your IRA, joint investing account, or individual investing account during the offer period, and then transfer the same amount back in, it won’t count toward the bonus. The bonus is only for net new transfers in. Review the following as an example.
Let’s say you transfer $4,000 out of your investing account on December 3, 2025, and then transfer $10,000 back in on December 18, 2025. Only the net new $6,000 will be eligible for the bonus.
You are not required to be a Robinhood Gold member to get the 1% bonus on your transfer into your taxable or Robinhood IRA account, however, Robinhood Gold members will receive an additional 1% (for a total of 2%) bonus on account transfers into their Robinhood IRA. Robinhood Gold is a subscription-based membership program. For details, review What’s Robinhood Gold?
We’ll deposit your earned bonus after the eligible deposits settle in your account. For account transfers into taxable accounts, you’ll get the bonus as soon as they settle.
For IRA transfers, it typically takes 5-7 business days after we receive an account transfer request for the transfer to be completed in your Robinhood account. Check out Transfers and rollovers for more info. For 401(k) rollovers, this process can typically take 2-4 weeks for deposits to complete.
This is not a recommendation to transfer or rollover. A rollover is an important decision. A rollover isn’t your only option for an old 401(k). Generally, you have four options for what to do with a 401(k) from a former employer. Each option has its own pros and cons that you should carefully consider. This is not tax advice. Please consult a tax professional to understand your specific situation. For more information, please visit Robinhood’s Help Center or FINRA’s site.
You must be a Gold member when your transfer settles into your Robinhood account; otherwise you won’t earn the applicable 2% Gold bonus. You will instead earn the 1% bonus. Regardless of Gold membership status, you get a 1% match on IRA transfers all year.
We don’t charge a fee to transfer assets in. However, your outside retirement account 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. Contact us to request a reimbursement.
If your other retirement or 401(k) plan administrator charges a direct rollover fee, that’s not eligible for reimbursement. Robinhood doesn’t reimburse fees associated with rollovers. Contact your plan provider to determine if a rollover will incur a fee.
Check out Transfers and rollovers for key differences between these transfer types and what we can accept at Robinhood.
You are responsible for any tax implications. For taxable accounts, the value of Robinhood offers received or charged back may be reported on applicable Form 1099 where required by rules and regulations. Refer to the product-specific tax notes in each section of the following Terms and conditions.
The IRA bonus on annual contributions, transfers, and 401(k) rollovers are considered income earned by the IRA account for tax reporting purposes. We won’t deliver a 1099 due to the tax status of IRAs. For more details, review IRA match FAQ.
Robinhood Financial LLC ("Robinhood") Margin Promotion ("Margin Bonus Offer") is subject to these terms and conditions ("Terms").
Eligibility: The Margin Bonus Offer is only available to customers who:
The Margin Bonus Offer is only available for self-directed accounts. Deposits to Brokerage Accounts managed by Robinhood Asset Management, LLC (Robinhood Strategies) are not eligible for this Margin Bonus Offer. Customers whose accounts are not approved for margin are not eligible to participate.
Bonus: A cash amount equal to 2% of the Net Transferred Asset Value, actually credited to the customer’s margin-approved Brokerage Account under this Margin Bonus Offer.
Offer Period: Between December 18, 2025 at 8:59 PM PT and December 31, 2025 at 8:59 PM PT. Robinhood may modify these dates without notice.
Net Transferred Asset Value: The total value of all qualified ACATS transfers initiated during the Offer Period into margin-approved individual or joint Robinhood taxable Brokerage Accounts, minus any outflows from those margin-approved Brokerage Accounts and from all other Robinhood Platform accounts (see Withdrawal Limitations section) through the end of the Offer Period. The total value of all qualified ACATS initiated is the asset value of the incoming transfers, including any credit balance, minus any debit balance, which includes transferred-in margin balance. Only transfers into margin-approved Brokerage Accounts are counted for purposes of this Margin Bonus Offer.
Robinhood Platform: All accounts offered by Robinhood Markets, Inc. or any of its wholly owned subsidiaries. Withdrawals: 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 out. However, a withdrawal does not include the purchase of an investment in a Brokerage Account, such as a stock, or a purchase of cryptocurrencies in a Robinhood Crypto, LLC account.
Margin Threshold: A settled margin debit balance of at least $10,000 that is transferred into the customer’s margin-approved Brokerage Account as part of an eligible ACATS transfer during the Offer Period.
Offer: 2% Margin Promotion. For eligible Robinhood customers who initiate an ACATS transfer within the Offer Period that, upon settlement, includes a margin debit balance that meets or exceeds the Margin Threshold in their margin-approved Brokerage Account, Robinhood will deposit the Bonus to the customer’s Brokerage Account, subject to a 5-year earn-out as discussed below. Transferred assets are eligible if they are initiated during the Offer Period and successfully settled.
Bonus: The Bonus will be deposited into the customer’s Brokerage Account approximately two weeks from when the customer’s eligible ACATS transfer settles. Transferred assets are eligible if they are initiated during the Offer Period and successfully settled.
The amount of the Bonus is calculated based on the Net Transferred Asset Value, using the national market system closing price of each position transferred into the account on the trading day before the transfer settles. Settlement is deemed to occur when the securities are posted to the account and available to trade. The Bonus is only available for securities that successfully transfer and settle, and will not be granted for securities that are rejected.
If 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 four decimal points. Robinhood will add the Bonus amount to the customer’s account after it reaches the next whole cent increment. For example, if a customer’s eligible ACATS transfers under this Margin Bonus Offer result in accruals of $0.0025 on four separate occasions, Robinhood will add $0.01 in Bonus funds into their Brokerage Account after the fourth accrual when the total Bonus accrues to $0.01.
Withdrawal Limitations (all customers): If, at any time during the 5 years after a Bonus is credited, Withdrawals cause the value of the customer’s Robinhood Platform accounts (excluding the Bonus) to fall below the Net Transferred Asset Value, Robinhood will charge back a proportional amount of the Bonus.
Chargebacks are deducted from available cash. If insufficient, the amount may be debited from an outgoing financial institution or added to a margin balance, if applicable.
Grace Period: 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. 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. The 90-day Grace Period countdown resets each time you participate in an offer that provides a bonus for an ACATS transfer.
Stacking and exclusions: The Margin Bonus Offer may not be combined with certain other Robinhood promotions (for example, the Robinhood ACATS Bonus Offer). Customers whose transfers do not meet the Margin Threshold will be subject to the Robinhood ACATS Bonus Offer terms.
Joint Accounts: For Joint Account holders, an ACATS is considered initiated once both Joint Account holders have consented to the initiation of the ACATS transfer.
Violation of the Terms: In the event that Robinhood determines in its sole discretion that there may have been fraudulent activity or a violation of the terms of this Margin Bonus Offer 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.
Not a Recommendation: The Margin Bonus Offer is not a recommendation of any investment or investment strategy, and is not a recommendation that a customer transfer assets into a Brokerage Account.
Right to Modify or Terminate: Robinhood reserves the right to change the Terms or terminate the Margin Bonus Offer at any time without notice. Robinhood reserves the right to refuse to grant the Bonus to transfers that it cannot verify were initiated prior to the end of the Offer Period. The Margin Bonus Offer is not transferable, saleable, or valid in conjunction with certain other offers and is available to U.S. residents only. The Margin Bonus Offer is only available for personal use, and may not be used for commercial purposes.
Eligibility Restrictions: Robinhood Customers with restricted accounts, deactivated accounts, and account restrictions are not eligible to participate in the Margin Bonus Offer. Robinhood Customers who do not see the Margin Bonus Offer in their app may be subject to these restrictions and therefore ineligible to participate in the Margin Bonus Offer. Robinhood may decline requests to enroll in the Margin Bonus Offer at its discretion. Other restrictions may apply.
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 is offered through Robinhood Financial LLC, member SIPC, a registered broker dealer, and a subsidiary of Robinhood Markets, Inc. Robinhood Gold is a subscription-based membership program of premium services offered through Robinhood Gold, LLC.
These Robinhood Q4 2025 Transfer Match Promotion Terms (“Terms”) govern 2 separate promotional offers administered by Robinhood Financial LLC, and Robinhood Gold, LLC, and their affiliates (together, “Robinhood”):
Each Section contains product-specific rules that apply only to that Section. If there is a conflict between a Section and these general Terms, the product-specific Section controls for that product. Settlement for any transfer or deposit occurs when assets are posted to the relevant account and are available to trade.
Bonus Rate and Offer Period: For eligible customers, the cash bonus is either (i) 1% of the Net Transferred Asset Value (defined in Section B) for taxable ACATS transfers or (ii) 2% of qualifying IRA deposits from External Qualified Accounts (defined in Section A), calculated under the applicable Section, for transfers initiated during the Offer Period that successfully settle. The “Offer Period” for the IRA Bonus Offer is from December 2, 2025 at 9 AM PT through December 18, 2025 at 8:59 PM PT, and the “Offer Period” for the ACATS Bonus Offer is from December 2, 2025 at 9 AM PT through December 25, 2025 at 8:59 PM PT for taxable accounts. Robinhood may change, delay, or terminate either promotion at any time and may refuse to grant a bonus it cannot verify was initiated before the Offer Period ends.
How the bonus is paid: The bonus is credited to the applicable account (IRA bonuses to the Robinhood IRA; ACATS bonuses to the Brokerage Account) and is subject to the earn-out, chargeback, or early-removal rules described in each Section. Crediting timelines differ by offer (see Sections A–B).
Eligibility and enrollment: Offers are available to U.S. residents who have or open a self-directed Robinhood account meeting the account-level requirements in each Section. Self-directed accounts only. Accounts managed by Robinhood Asset Management, LLC (“Robinhood Strategies”) are not eligible. Robinhood may decline enrollment; restricted or deactivated accounts may be ineligible. Offers are non-transferable and for personal use. Robinhood Platform. Throughout these Terms, the “Robinhood Platform” means all accounts offered by Robinhood Markets, Inc. or any of its wholly-owned subsidiaries.
Fraud or violations: If Robinhood determines there may be fraud or a violation of these Terms, it may decline, rescind, or liquidate any bonus and related proceeds and may effect removals or liquidations as permitted in the applicable Section. The timelines provided in each Section may be delayed during review for potential fraud or a violation of these Terms.
Not a recommendation. Neither offer is a recommendation of any investment or investment strategy, or a recommendation to deposit or transfer cash or securities into a Robinhood account.
Taxes: You are responsible for any tax implications. For taxable accounts, the value of Robinhood offers received or charged back may be reported on applicable Form 1099 where required by rules and regulations. See product-specific tax notes in each Section.
Eligible account and funding: The IRA Bonus Offer is available only to customers who (1) have or successfully open a self-directed Individual Retirement Account (“Robinhood IRA”) offered by Robinhood Financial LLC and custodied at Robinhood Securities, LLC; and (2) contribute new funds to a Robinhood IRA via a transfer of cash or investments from a qualified account at an external institution such as another IRA or employer plan (an “External Qualified Account”) during the Offer Period. IRAs managed by Robinhood Strategies are not eligible.
Offer and crediting: Robinhood will credit a 2% cash bonus on eligible deposits initiated during the Offer Period that settle. The bonus is typically deposited into the IRA within approximately one week after settlement. The bonus is subject to both (1) a 5-year earn-out and (2) a Gold subscription maintenance requirement for one continuous year from the date of the first eligible deposit (see Gold Subscription Maintenance Requirement paragraph below).
Calculation and settlement: The bonus is calculated based on 2% of transferred cash plus transferred securities and options, using the national market system closing price of each transferred position on the trading day before settlement. The bonus applies only to assets that successfully transfer and settle. If the calculated bonus is less than $0.01, it is rounded down; contributions under $1 receive no bonus.
Net deposit requirement: No IRA bonus will be granted for transfers from another institution if, during the Offer Period, your withdrawals or transfers out of the Robinhood Platform are equal to or greater than your transfers into the Robinhood IRA from External Qualified Accounts.
IRA Match Early Removal Fee (5-year balance test): If you receive an IRA bonus and, within five (5) years of receipt, you transfer or distribute any portion of your Robinhood IRA and your IRA balance is less than the sum of net IRA deposits plus any bonuses received, Robinhood will assess an “IRA Match Early Removal Fee” equal to the total IRA bonus amounts received in the prior 5-year period, separate from and in addition to any ACATS-out fee. The fee may be deducted from available IRA cash or, if insufficient, debited from the outgoing institution. Required minimum distributions can trigger the fee if the balance test is not met. By accepting these Terms, you direct Robinhood to remove, transfer, or liquidate positions as needed to collect the fee or cover any resulting deficit. Chargebacks of prior IRA promotional bonuses are applied first-in, first-out.
Gold Subscription Maintenance Requirement (1-year minimum): To retain the full 2% bonus, you must maintain an active Robinhood Gold subscription for one continuous year from the date of your first eligible deposit. If you cancel or fail to maintain Gold within that period, a Gold Cancellation IRA Match Removal Fee will apply equal to the difference between the 2% bonus you received and the match that would have applied without Gold (1%). Any remaining portion of a previously credited bonus remains subject to the 5-year IRA Match Early Removal Fee.
If you contribute to a Traditional IRA and later convert to a Roth IRA, and fail to maintain Gold as required, the Gold Cancellation fee will be charged to the Traditional IRA or, if insufficient, to the Roth IRA.
Stacking and exclusions: The IRA Bonus Offer may not be combined with certain other Robinhood IRA promotions (for example, the Robinhood IRA Deposit Match or the Robinhood Gold IRA Contribution Match).
Not a Recommendation: IRA Bonus Offer is not a recommendation of any investment or investment strategy, and is not a recommendation that a customer roll over or transfer assets into a Robinhood IRA. By participating in the IRA Bonus Offer, the customer represents that neither Robinhood nor any Robinhood affiliate has recommended any rollover or transfer to the Robinhood IRA. A rollover is one of four options, and other options include leaving the customer’s money at the old employer plan, moving it to the new employer plan, or cashing out. Consult Finra's Regulatory Notice 13-45 for further guidance. Robinhood, through this IRA Bonus Offer, does not intend to provide the benefit of deferred compensation or to create an ERISA plan.
Taxes for IRAs: 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. Robinhood processes and treats the Bonus on annual IRA contributions, IRA transfers, and 401(k) rollovers as income earned by the IRA for tax reporting purposes. The amount is based on a percentage of deposits made into the Robinhood IRA. The Bonus amount will not be subject to, or impact, the maximum annual dollar contribution limit or the maximum annual deductible amount. Please note that the Bonus may be taxable income for conversions of a non-deductible IRA contribution to a Roth IRA.
Eligible account and funding: The ACATS Bonus Offer is available only to customers who (1) have a self-directed individual or joint Robinhood taxable brokerage account (“Brokerage Account”), and (2) within the Offer Period, initiate an Automated Customer Account Transfer Service (“ACATS”) transfer of new funds or investments to that account from an external brokerage account. Accounts managed by Robinhood Strategies are not eligible.
Key definitions (this section only):
Offer and crediting: Robinhood will deposit a 1% cash bonus based on your Net Transferred Asset Value for eligible ACATS initiated during the Offer Period that settle. The bonus typically appears in your Brokerage Account approximately one week after settlement. Only assets that successfully transfer and settle qualify.
Calculation, settlement, and rounding: Asset values use the national market system closing price of each transferred position on the trading day before settlement. If the bonus calculation includes a fraction of a cent, it is computed to four decimal places and credited once the accrual reaches the next whole cent.
5-year earn-out with proportional chargebacks: For five (5) years after a bonus is credited, if Withdrawals cause the value of your Robinhood Platform accounts (excluding the bonus) to fall below your Net Transferred Asset Value, Robinhood will charge back a proportional amount of the bonus. Chargebacks are deducted from available cash; if insufficient, the amount may be debited from an outgoing institution or added to a margin balance, if applicable. By accepting these Terms, you direct Robinhood to collect any chargeback by deducting available cash, debiting an outgoing institution, or adding the amount to a margin balance, if applicable. Chargebacks across ACATS and crypto promotions are applied first-in, first-out.
90-day maintenance plus one-time 60-day grace period: After you maintain the Net Transferred Asset Value plus the bonus amount for at least 90 consecutive days, you are eligible for a one-time, optional 60-day grace period during which Withdrawals are permitted without a chargeback, up to your principal Net Transferred Asset Value (not including the bonus). The grace period is not available for ACATS out, and the portion of the bonus subject to chargeback is frozen until any withdrawn funds are returned. The 90-day countdown resets each time you participate in an offer that provides a bonus for an ACATS transfer.
Stacking and exclusions: The ACATS Bonus Offer may not be combined with certain other Robinhood promotions (for example, the Robinhood 2% Margin Promotion).
Joint accounts: An ACATS is considered initiated once both joint owners have consented.
Taxes (taxable accounts): 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 bonus.
Robinhood Financial LLC (member SIPC) is a registered broker dealer. Robinhood Securities LLC (member SIPC) provides clearing services.Robinhood Gold is a subscription-based membership program of premium services offered through Robinhood Gold, LLC.