Robinhood Gold IRA Transfers Match
Today, Robinhood Gold members earn a 3% match on all eligible annual IRA contributions into self-directed Robinhood IRAs. For a limited time only, Robinhood Gold members will also earn a 2% match on IRA transfers and 401(k) rollovers into a self-directed Robinhood Retirement account starting June 19, 2025 at 8 AM PT through July 7, 2025, with no limit on the amount of match you can earn.
A rollover is a non-taxable way to transfer money from a retirement plan, like an old 401(k), into an IRA. A rollover is just 1 of 4 options you can consider for your old 401(k). For details about the 4 options, check out Rollovers.
After the transfers promotion ends at 11:59 PM PT on July 7, 2025:
For more information about the Robinhood Gold subscription, including price, check out What's Robinhood Gold?
You must hold the funds in your self-directed Robinhood IRA for at least 5 years to avoid a potential Early IRA Match Removal Fee, and remain a Robinhood Gold member for 1 year after the first Gold match to keep the full Gold match.
To receive the 2% transfer match:
In addition, you must keep your assets in your Robinhood IRA for at least 5 years, otherwise you may be subject to an early IRA match removal fee. Review IRA match FAQ for more details.
The 2% match will only be granted on the net deposits in your IRA account.
Check out Transfers and rollovers for key differences between these transfer types and what we can accept at Robinhood.
Check out Transfers and rollovers for steps to initiate a transfer or rollover.
You can calculate your net deposits by adding up all inbound IRA transfers initiated between June 19, 2025 through July 7, 2025 and subtracting all IRA transfers out between the same dates.
When your IRA transfer completes, the amount of the match is calculated based on 2% of the total of the transferred cash plus transferred securities and options, using the national market system closing price of each position transferred into the account on the trading day before when the transfer settles. Settlement occurs when the securities are posted to the account and available to trade. Note that the match is only available for securities that successfully transfer and settle, and won’t be granted for securities that are rejected.
When your 401(k) rollover completes, the match will be calculated based on 2% of the total rollover amount.
You can only earn the 2% match on net new transfers into your IRA account.
For IRA transfers, after we receive an account transfer request, it typically takes 5-7 business days 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.
We’ll deposit your earned match after the eligible deposits settle in your account. For transfers, you’ll get the match as soon as they settle. For rollovers, you’ll get the match upon settlement, which is typically within 5-7 business days of receipt.
You must be a Gold member when your transfer settles into your IRA, otherwise you won’t earn the 2% match.
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.
The IRA match 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.
This Robinhood Financial LLC (“Robinhood”) Gold 2% IRA Deposit Match (“Robinhood Gold 2% IRA Deposit Match” or “Robinhood Match”) is subject to these Terms & Conditions (“Terms”).
Eligibility: The Robinhood Gold 2% IRA Deposit Match is only available to customers who: (1) have or successfully open an Individual Retirement Account (IRA) that is offered by Robinhood and custodied at Robinhood Securities, LLC (“Robinhood IRA”), (2) contribute new funds to a self-directed Robinhood IRA in the form of a transfer of cash or investments from a qualified account at an institution other than Robinhood, such as an external IRA or employer plan (an “External Qualified Account”), during the Offer Period, and (3) are active subscribers to the subscription-based membership program of premium services offered to Robinhood customers through Robinhood Gold, LLC (“Robinhood Gold”) at the time that the customer’s transfer of External Qualified Account funds to the Robinhood IRA settles. The Robinhood Match is only available for self-directed IRAs. Deposits to Robinhood IRAs managed by Robinhood Asset Management, LLC (Robinhood Strategies) are not eligible for this offer.
Offer: Robinhood Gold 2% IRA Deposit Match. For eligible Robinhood customers, Robinhood will provide a cash bonus equal to 2% of a customer’s deposits from an External Qualified Account (“Match”) that are initiated during the Offer Period to their Robinhood IRA between June 19, 2025 at 8 AM PT through July 7, 2025 at 11:59 PM PT (the “Offer Period”) offered by Robinhood Markets, Inc. or any of its wholly-owned subsidiaries (the “Robinhood Platform”) and subject to both (1) a five-year earn-out as discussed below, and (2) maintaining an active Gold subscription for at least one year from the date of the first eligible deposit, as discussed below. The Match will be earned and deposited within approximately one week from the customer’s eligible contributions. Robinhood may terminate this promotion at an earlier date than the Offer Period at its discretion.
Limitations: If a customer has received a Robinhood Gold 2% IRA Deposit Match, and they transfer or distribute for any reason some or all of their Robinhood IRA outside of the Robinhood IRA prior to the earn-out period of five (5) years from receiving their Robinhood Gold 2% IRA Deposit Match in their Robinhood IRA, a non-taxable IRA Match Early Removal Fee will apply to the IRA as payment for services from Robinhood, separate from and above any ACATS out fee, and this IRA Match Early Removal Fee will be the amount that the customer has received via the Match for any Match received over the previous five years. The IRA Match Early Removal Fee will be calculated with respect to all of the customer’s Robinhood IRAs if the customer has multiple IRAs at Robinhood. Any distribution outside of the Robinhood IRA will potentially implicate the IRA Match Early Removal Fee, including distributions that may be required by law such as required minimum distributions. The IRA Match Early Removal Fee may not apply if a customer’s IRA balance has risen by an amount greater than their net IRA contributions plus any Match that they have received. However, the IRA Match Early Removal Fee will apply if the customer initiates a transfer or distribution request, and the customer’s IRA balance has decreased, for any reason including investment losses, to less than their IRA deposits plus any Match they have received. If the customer has cash available in their IRA, this IRA Match Early Removal Fee will be deducted from their available cash balance. If the customer has insufficient cash available in their IRA to pay the IRA Match Early Removal Fee, this fee may be debited from their outgoing financial institution. Via these Terms, the customer directs the removal, transfer, sale of positions, and potential liquidation from their IRA to pay the IRA Match Early Removal Fee or, as applicable, to cover account deficits created by the IRA Match Early Removal Fee.
If a customer has received a Robinhood Gold 2% IRA Deposit Match, a Gold Cancellation IRA Match Removal Fee, chargeable to the IRA that the customer contributed to, will apply to the customer’s IRA if the customer cancels or does not maintain an active Robinhood Gold subscription for at least one continuous year after the customer’s first eligible Robinhood Gold 2% IRA Deposit Match deposit was initiated that earned a Match during the same uninterrupted period of maintaining active Robinhood Gold membership. Examples of a customer failing to maintain active Gold membership include, but are not limited to, failure to pay the monthly Gold subscription fee in the customer’s individual brokerage account or the deactivation or restriction of the customer’s brokerage account. The amount of Gold Cancellation IRA Match Removal Fee will be the difference between the Match that the customer received by virtue of being a subscriber of Robinhood Gold, versus the match that the customer would have received if they had not been a Robinhood Gold subscriber, The remaining one-half of the Match continues to be subject to the IRA Match Early Removal Fee limitations pursuant to the above paragraph. Pursuant to the Terms, the customer directs the removal, transfer, sale of positions, and potential liquidation from their IRA to pay the Gold Cancellation IRA Match Removal Fee or, as applicable, to cover account deficits created by the Gold Cancellation IRA Match Removal Fee. For example, if a customer joined Robinhood Gold and deposited to their IRA on April 10, thereby earning $6 in Match, and the customer canceled their Robinhood Gold subscription on April 20 of the same year, $3 would be charged to the customer’s IRA via the Gold Cancellation IRA Match Removal Fee. Additionally, if the customer transfers or distributes some or all of their Robinhood IRA to another financial institution within five years of the deposit, then an additional $3 could potentially be charged to the customer’s IRA as the IRA Match Early Removal Fee.
The amount of the Match is calculated based on 2% of the total of the transferred cash plus transferred securities and options, using the national market system closing price of each position transferred into the account on the trading day before when the transfer settles. Settlement is deemed to occur when the securities are posted to the account and available to trade. Please note that the Match is only available for securities that successfully transfer and settle, and will not be granted for securities that are rejected.
In the event that a Robinhood customer deposits to a Traditional IRA and subsequently converts to a Roth IRA, and fails to maintain an active Robinhood Gold subscription for at least one year from the date of the eligible contribution, as discussed above, the Robinhood Gold Cancellation IRA Match Removal Fee would apply to the customer’s Traditional IRA. If there is insufficient cash in the Traditional IRA to cover this fee, this fee may create a deficit or be charged to the customer’s Roth IRA. Indirect rollovers are generally eligible for the Match.
The Robinhood Gold 2% IRA Deposit Match will not be granted with respect to transfers from an IRA at another financial institution if, during the Offer Period, a customer’s withdrawals or transfers out of the Robinhood Platform are equal to or greater than the customer’s transfers to the Robinhood IRA from External Qualified Accounts.
In the event that Robinhood determines in its sole discretion that there may have been fraudulent activity or a violation of these Terms in connection with the Robinhood Gold 2% IRA Deposit Match, Robinhood reserves the right to either decline to grant the Robinhood Gold 2% IRA Deposit Match, or to rescind or liquidate the Robinhood Gold 2% IRA Deposit Match, or any security or any related dollar proceeds derived from the Robinhood Gold 2% IRA Deposit Match, and via these Terms the customer directs the removal, transfer, and potential liquidation from their IRA. The Robinhood Gold 2% IRA Deposit Match will be credited to the customer’s Robinhood IRA within approximately one week 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. If 2% of a customer’s contribution results in a Match amount that includes a fraction of a dollar smaller than $.01, the Robinhood Match will be rounded down to the nearest penny. For example, if a customer transfers $30.01, the Robinhood Gold 2% IRA Deposit Match will be $0.90. The Robinhood Gold Deposit Match will not be granted for contributions less than $1.
The Robinhood Gold 2% IRA Deposit Match is not available with respect to IRA contributions or deposits alongside certain other Robinhood promotions, such as the Robinhood IRA Deposit Match or the Robinhood Gold IRA Contribution Match, for the same IRA contribution. In other words, a Robinhood Gold customer can’t earn an additional match on top of the 2% for the Robinhood Gold 2% IRA Deposit Match.
The Robinhood Gold 2% IRA Deposit Match 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 Robinhood Gold 2% IRA Deposit Match, 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. Please consult here for further guidance.
Robinhood, through the Robinhood Gold 2% IRA Deposit Match, does not intend to provide the benefit of deferred compensation or to create an employee pension benefit plan under ERISA. For that purpose, Robinhood Markets, Inc. instead offers a separate employee benefit plan for Robinhood employees, the Robinhood 401(k) Plan, which may include a separate employer matching contribution.
Robinhood reserves the right to change the Terms or terminate the Match offer at any time without notice. Robinhood reserves the right to refuse to grant the Match to transfers that it cannot verify were initiated prior to the end of the Offer Period. The offer is not transferable, saleable, or valid in conjunction with certain other offers and is available to U.S. residents only. The offer is only available for personal use, and may not be used for commercial purposes.
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. Robinhood processes and treats the Match on annual IRA contributions, IRA transfers, and 401(k) rollovers as income earned by the IRA account for tax reporting purposes. The amount is based on a percentage of deposits made into the IRA Account. The Match amount will not be subject to, or impact, the maximum annual dollar contribution limit or the maximum annual deductible amount. Please note that the Match may be taxable income for conversions of a non-deductible IRA contribution to a Roth IRA.