You can earn a bonus on top of eligible asset transfers into your self-directed, taxable Robinhood individual or joint investing account from an external brokerage with the following terms.

When you transfer eligible assets from outside brokerage accounts into your self-directed, Robinhood individual investing account or Robinhood joint investing account, starting at 9 AM PT on February 26, 2026 through 8:59 PM PT on March 25, 2026, you'll get a 1% (without a Robinhood Gold subscription) or 2% (with a Robinhood Gold $5 monthly subscription) bonus (terms apply) on top of the net transferred asset value.

Also, if you include a margin balance of $10,000 or more with an eligible asset transfer, you’ll get an extra 1% bonus on your transfer. Only brokerage account transfers earn the bonus and not other types of transfers, such as ACH transfers, which are not eligible. Note that you must initiate the account transfer during the offer period, although the account transfer may settle outside this period.

Keep in mind, if you don’t already have a Robinhood Gold subscription with us, you can sign up for a monthly ($5 per month) or annual subscription ($50 per year). Without a Gold subscription, transfers from an external brokerage into your self-directed individual or joint investing account will earn a 1% bonus, but you can still earn the additional 1% on transfers with a margin balance of $10,000 or more for up to a total 2% bonus. For details, check out the following Terms and conditions.

Example

Let’s say you transfer $4,000 out of your investing account on March 2nd, and then transfer $10,000 back in on March 9th. 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 self-directed, taxable Robinhood account. However, Robinhood Gold members will receive an additional 1% (for a total of 2%) bonus on account transfers into their Robinhood account. Note that you must keep your Gold subscription for 12 months after making an eligible transfer or risk a bonus reduction chargeback. 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.

We don’t charge a fee to transfer assets in. However, your outside brokerage 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.

Robinhood Financial LLC (“Robinhood”) ACATS Bonus Offer (the “Bonus Offer”) is subject to these Terms and Conditions (“Terms”). These Terms apply only to the taxable brokerage ACATS promotion described here and not to any retirement-related promotion. Robinhood may offer separate retirement promotions, which are governed by their own terms.

1. Eligibility and how to participate

To be eligible, you must:

• Have an individual or joint, self-directed Robinhood taxable brokerage account (“Brokerage Account”), or open one during the Offer Period;
• Be eligible to use Robinhood’s services and have an account in good standing (as determined by Robinhood); and
• During the Offer Period, initiate an incoming Automated Customer Account Transfer Service (“ACATS”) transfer to your Brokerage Account from an external brokerage account that successfully Settles.

This Bonus Offer is not available for deposits to accounts managed by Robinhood Asset Management, LLC (Robinhood Strategies) and is not available for retirement accounts.

2. Definitions

• Base Bonus Rate (per Eligible Transfer):
  • 2% if you have an active Gold subscription at the time that Eligible Transfer Settles; or
  • 1% if you do not have an active Gold subscription at the time that Eligible Transfer Settles.
• Base Bonus (per Eligible Transfer): A cash bonus equal to the Base Bonus Rate multiplied by that Eligible Transfer’s Transferred Asset Value.
• Bonus: The Base Bonus plus any Margin Bonus actually credited.
• Bonus-Eligible Amounts: Amounts on which a Bonus was calculated and credited under these Terms (including any portion attributable to a Margin Bonus).
• Eligible Transfer: An incoming ACATS transfer initiated during the Offer Period that successfully Settles into an eligible Brokerage Account.
• Gold Bonus Portion (per Eligible Transfer): For an Eligible Transfer that settles while you have an active Gold subscription (and therefore earns a 2% Base Bonus Rate), the portion of the Base Bonus attributable to the incremental 1% above the non-Gold rate (that is, 1% of that Eligible Transfer’s Transferred Asset Value).
• Gold Maintenance Start Date: The settlement date of your first Eligible Transfer that Settles while you have an active Gold subscription.
• Margin Bonus (per qualifying Eligible Transfer): A cash bonus equal to the Margin Bonus Rate multiplied by that Eligible Transfer’s Transferred Asset Value.
• Margin Bonus Eligibility (per Eligible Transfer): An Eligible Transfer qualifies for a margin-based bonus only if:
  • The Eligible Transfer includes a transferred Margin Debit Balance that exceeds the Margin Threshold; and
  • You are approved for margin on the Brokerage Account at the time the Eligible Transfer Settles (and the account otherwise supports margin).
• Margin Bonus Rate (per qualifying Eligible Transfer): 1% of that Eligible Transfer’s Transferred Asset Value if the Eligible Transfer satisfies Margin Bonus Eligibility.
• Margin Debit Balance: A margin loan (debit) balance transferred as part of an Eligible Transfer and posted to the Brokerage Account.
• Margin Threshold: A transferred Margin Debit Balance (in absolute value) of at least $10,000 included in an Eligible Transfer.
• Net Transferred Asset Value: The aggregate of all Transferred Asset Value for Eligible Transfers, active earn-outs for other promotions, minus any Withdrawals from all Robinhood Platform accounts through the end of the Offer Period.
• Offer Period: February 26, 2026 at 9 AM PT through March 25, 2026 at 8:59 PM PT. Robinhood may modify, suspend, or terminate the Offer Period as permitted under these Terms.
• Robinhood Gold: An active paid Robinhood Gold subscription.
• Robinhood Platform: All accounts offered by Robinhood Markets, Inc. or any of its wholly owned subsidiaries except for banking product accounts offered by Robinhood Money, LLC.
• Settle: A transfer is deemed settled when the transferred assets (and any associated credit or debit balances) are posted to the Brokerage Account and available to trade (or otherwise reflected on the account).
• Transferred Asset Value (per Eligible Transfer): The value of the assets received in an Eligible Transfer, determined using the national market system closing price of each transferred position on the trading day before the Eligible Transfer Settles, plus any transferred cash credit balance, and minus any transferred debit balance (transferred debit balance includes margin amounts).
• Withdrawals: Include, but are not limited to, debit card transactions, ACH (originated or not), RTPs, wires, ACATS transfers out, transfers from a Brokerage Account to a Robinhood banking product (offered by Robinhood Money, LLC), and transfers from an individual account to another person’s individual account through a joint account. Withdrawals do not include purchases of securities in a Brokerage Account or purchases of cryptocurrencies in a Robinhood Crypto account.

3. The Bonus Offer

If you enroll during the Offer Period and complete one or more Eligible Transfers, Robinhood will credit a Base Bonus for each Eligible Transfer, subject to these Terms.

If an Eligible Transfer satisfies Margin Bonus Eligibility, Robinhood will credit a Margin Bonus for that Eligible Transfer in addition to the Base Bonus, subject to these Terms.

4. Crediting timing

The Bonus will be credited to your Brokerage Account approximately 2 weeks after the relevant Eligible Transfer Settles, though timing may vary. Transferred assets are eligible only if they are initiated during the Offer Period and successfully Settle. Assets that are rejected or that do not settle are not eligible.

5. Calculation, rounding, and valuation

Robinhood calculates the Transferred Asset Value using the national market system closing price of each transferred position on the trading day before the Eligible Transfer Settles.

If a Bonus amount includes a fraction of a cent, the Bonus is calculated to 4 decimal points. Robinhood will credit the Bonus amount once the accrued amount reaches the next whole cent increment.

6. Withdrawal limitations; proportional chargebacks (5-year period)

For 5 years after a Bonus is credited, if you make a Withdrawal, Robinhood will determine whether a chargeback applies based on the portion of the Withdrawal treated as removing Bonus-Eligible Amounts.

For purposes of this determination, Robinhood will treat the Withdrawal amount as applied in the following order:

1. Amounts in the Brokerage Account that did not receive a bonus or match (if any),
2. Net investment gains (if any), and then
3. Bonus-Eligible Amounts.

A chargeback applies only to the extent the Withdrawal is treated as removing Bonus-Eligible Amounts under item (3).

Chargeback calculation: The chargeback amount will be calculated by applying the bonus rate(s) actually credited to the portion of the Withdrawal treated as removing Bonus-Eligible Amounts, using a first-in, first-out approach based on when the bonuses were credited (and including any Margin Bonus, if applicable).

How chargebacks are collected: Chargebacks are deducted from available cash. If you have insufficient available cash to cover a chargeback, the amount may be debited from an outgoing financial institution or added to a margin balance, if applicable and permitted. By participating in the Bonus Offer, you authorize Robinhood to collect any chargeback using these methods where permitted.

7. Gold Subscription Maintenance Requirement and Gold Bonus chargeback (12-month period)

Gold maintenance requirement: If you receive any Base Bonus calculated at the 2% Base Bonus Rate, you must maintain an active Gold subscription for at least one (1) continuous year after the Gold Maintenance Start Date to retain the Gold Bonus Portion.

Gold Subscription Cancellation Chargeback: If you cancel Gold or fail to maintain an active Gold subscription for at least one (1) continuous year after the Gold Maintenance Start Date, Robinhood will charge back the Gold Bonus Portion. “Cancel Gold” includes any termination, downgrade, lapse, or other period during which Gold is not active (including for nonpayment), whether initiated by you or resulting from account status changes. For clarity, the Gold Subscription Cancellation Chargeback is intended to remove only the incremental Gold benefit, meaning you keep the non-Gold portion of the Base Bonus (1%) subject to the standard earn-out and chargeback rules in these Terms.

Examples of failing to maintain Gold include, but are not limited to, failure to pay the monthly Gold subscription fee, deactivation or restriction of the customer’s brokerage account, or other circumstances in which Gold is not active.

How the Gold Subscription Cancellation Chargeback is calculated: The chargeback equals the sum of the Gold Bonus Portion previously credited (that is, the difference between the 2% Base Bonus and the 1% Base Bonus that would have applied without Gold) for Eligible Transfers that Settled while you had an active Gold subscription.

The amount will be deducted from available cash in your Brokerage Account. If you have insufficient available cash, the amount may be debited from an outgoing financial institution or added to a margin balance, if applicable and permitted. By participating, you authorize Robinhood to collect the Gold Subscription Cancellation Chargeback using these methods where permitted. For avoidance of doubt, the Gold Subscription Cancellation Chargeback applies only to the Gold Bonus Portion and does not change the bonus rate used for Section 6 chargebacks on Withdrawals.

8. 90-day maintenance and one-time 60-day Grace Period

After maintaining the Net Transferred Asset Value plus the Bonus amount received for at least 90 consecutive days, you will be eligible for a one-time optional 60-day grace period (“Grace Period”) during which Withdrawals will be permitted without a chargeback, provided the Bonus is frozen as described below.

The Grace Period is not available for ACATS transfers out. During the Grace Period, the portion of the Bonus amount that remains subject to chargeback will be frozen and will not be usable until the withdrawn funds are returned to the Brokerage Account.

9. Joint accounts

For Joint Accounts, an Eligible Transfer is considered initiated only once both Joint Account holders have consented to the initiation of the ACATS transfer, if applicable.

10. Restrictions; fraud and abuse

Robinhood may decline to grant, rescind, or liquidate any Bonus (or any related proceeds) if Robinhood determines, in its sole discretion, that there may have been fraudulent activity, an attempt to game the offer, or a violation of these Terms. Bonus crediting may be delayed if Robinhood determines there are indications of fraud or violations.

11. Not a recommendation

The Bonus Offer is not a recommendation of any investment or investment strategy, and is not a recommendation that you transfer assets into a Brokerage Account.

12. Right to modify or terminate

Robinhood reserves the right to change these Terms or terminate the Bonus Offer at any time, as permitted by law. The Bonus Offer is not transferable or saleable and may not be valid in conjunction with certain other offers. Offer available to US residents only and void where prohibited.

13. Eligibility restrictions

Robinhood customers with restricted accounts, deactivated accounts, or account restrictions are not eligible to participate in the Bonus Offer. Robinhood may decline requests to enroll or participate at its discretion. Additional restrictions may apply, including restrictions applicable to employees or affiliates of Robinhood or their household members.

14. Taxes

Consult with your tax advisor about the appropriate tax treatment of this offer and any tax implications associated with receipt of a cash reward. The value of offers received or charged back may be reported on applicable tax forms where required. Robinhood does not take responsibility for any tax related to this cash bonus.

Securities trading offered through Robinhood Financial LLC, member SIPC, a registered broker-dealer, and a subsidiary of Robinhood Markets, Inc.