Robinhood Gold IRA transfer bonus
Today, Robinhood Gold subscribers ($5 monthly subscription) earn a 3% match on all eligible annual IRA contributions. For a limited time only, Robinhood Gold subscribers will also earn a 2% bonus on IRA transfers and 401(k) rollovers into their Robinhood Retirement account starting January 8, 2026 through April 30, 2026, with no limit on the bonus amount 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).
After the transfers promotion ends on April 30, 2026:
For more information about the Robinhood Gold subscription, check out What's Robinhood Gold?
Keep in mind, customers who don’t subscribe to Robinhood Gold get a 1% match all year on IRA annual contributions and retirement account transfers.
You must hold the funds in your Robinhood IRA for at least 5 years and be a Robinhood Gold subscriber for 1 year after the first bonus.
To receive the 2% transfer bonus:
In addition, you must keep your assets in your Robinhood IRA for at least 5 years, otherwise you may be subject to an early bonus removal fee. The 2% bonus is only 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 January 8, 2026 through April 30, 2026 and subtracting all IRA transfers out between the same dates.
When your IRA transfer completes, the amount of the bonus 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 bonus 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 bonus will be calculated based on 2% of the total rollover amount.
You can only earn the 2% bonus 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.
We’ll deposit your earned bonus after the eligible deposits settle in your account. For transfers, you’ll get the bonus as soon as they settle. For rollovers, you’ll get the bonus upon settlement, which is typically within 5-7 business days of receipt.
You must be a Gold subscriber when your transfer settles into your IRA, otherwise you won’t earn the 2% bonus.
The IRA bonus is treated as interest income in your IRA. We won’t deliver a 1099-INT due to the tax status of IRAs.
This Robinhood Financial LLC and Robinhood Gold, LLC (together, “Robinhood”) 2026 Tax Season IRA Bonus Offer (“IRA Bonus Offer”) is subject to these Terms and conditions (“Terms”).
For purposes of these Terms:
The IRA Bonus Offer is available only to customers who:
Only self-directed IRAs qualify. Deposits to IRAs managed by Robinhood Asset Management, LLC (“Robinhood Strategies”) are not eligible.
Stacking and Exclusions: The IRA Bonus Offer is not valid in conjunction with certain other Robinhood IRA promotional offers (for example, the Robinhood IRA Deposit Match or the Robinhood Gold IRA Contribution Match).
For eligible customers, Robinhood will provide a cash bonus (the Bonus) equal to 2% of qualifying deposits from External Qualified Accounts that are initiated to their Robinhood IRA during the Offer Period and successfully settled.
The Bonus is subject to both:
The Bonus will generally be deposited into your Robinhood IRA within approximately 1 week after the eligible transfer settles, though this timeline may be delayed in Robinhood’s sole discretion.
The amount of the Bonus is calculated as 2% of the total of 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 the transfer settles. Settlement is deemed to occur when the securities or cash 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 deposit results in a Bonus equal to a fraction of a dollar less than $0.01, the Bonus is rounded down to the nearest cent. Contributions under $1 receive no Bonus.
If a customer receives a Bonus and, within five (5) years after it is credited, makes any distribution or transfer out from their Robinhood IRA(s), Robinhood will treat the amount removed as coming, in order, from: (i) amounts in their Robinhood IRA(s) that did not earn a Bonus (if any); then (ii) net investment gains (if any); and then (iii) amounts that earned a Bonus (the “Bonus-Eligible Amounts”), applied on a first-in, first-out basis based on the date Bonuses were credited. To the extent any distribution or transfer out is treated as coming from Bonus-Eligible Amounts under clause (iii), Robinhood will charge an IRA Bonus Early Removal Fee equal to the Bonus attributable to those Bonus-Eligible Amounts (applied FIFO).
The IRA Bonus Early Removal Fee may be deducted from available cash in the IRA or, if insufficient, debited from an outgoing institution. By accepting these Terms, the customer directs Robinhood to remove, transfer, or liquidate positions as needed to collect the fee or cover any resulting deficit. Distributions required by law (for example, required minimum distributions) may also result in an IRA Bonus Early Removal Fee to the extent they are treated as removing Bonus-Eligible Amounts under the ordering described above.
The Bonus is calculated based on the customer’s Net IRA Deposits. Net IRA Deposits are determined by taking the total amount of deposits from External Qualified Accounts into the customer’s Robinhood IRA during the Offer Period and subtracting the total amount of the customer’s withdrawals or transfers out of the Robinhood Platform during the Offer Period.
Withdrawals or transfers out of the Robinhood Platform during the Offer Period will reduce Net IRA Deposits on a dollar for dollar basis and may reduce the Bonus amount the customer is eligible to receive, even if those withdrawals are less than the customer’s total deposits from External Qualified Accounts.
If, after applying these withdrawals or transfers out, the customer’s Net IRA Deposits are reduced to zero or a negative amount, the customer will not receive a Bonus under this IRA Bonus Offer.
Gold Subscription Maintenance Requirement. Customers who receive a Bonus under this IRA Bonus Offer must maintain an active Robinhood Gold subscription for at least one (1) year following the settlement date of their first eligible transfer in order to retain the full 2% Bonus.
Gold Subscription Cancellation Fee:
The Gold Subscription Cancellation Fee may be deducted from available cash in the applicable IRA or, if insufficient, debited from the outgoing institution. If a customer contributes to a Traditional IRA and later converts to a Roth IRA, any fee described in this ‘Gold Subscription Maintenance Requirement and Cancellation Fee’ section may be debited from the Traditional IRA or, if insufficient, from the Roth IRA.
If Robinhood determines in its sole discretion that there may have been fraudulent activity or a violation of these Terms in connection with the IRA Bonus Offer, Robinhood reserves the right to decline to grant the Bonus, or to rescind or liquidate the Bonus, or any security or any related dollar proceeds derived from the Bonus. Via these Terms, the customer directs the removal, transfer, and potential liquidation from their IRA to satisfy any such rescission or related deficit.
The Bonus may be credited within approximately 1 week after the customer has fulfilled the conditions of the Offer, but 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.
The 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 1 of 4 options; other options include leaving their money in an old employer plan, moving it to a new employer plan, or cashing out.
Robinhood, through the IRA Bonus Offer, does not intend to provide the benefit of deferred compensation or to create an employee pension benefit plan under the Employee Retirement Income Security Act.
Robinhood customers with restricted accounts, deactivated accounts, or account restrictions are not eligible to participate in the IRA Bonus Offer. Robinhood customers who do not see the IRA Bonus Offer in their app may be subject to these restrictions and therefore ineligible. Robinhood may decline requests to enroll in the IRA Bonus Offer at its discretion. Other restrictions may apply.
Robinhood reserves the right to change these Terms or terminate the IRA 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 IRA Bonus Offer is not transferable, not saleable, and is available to US residents only. The IRA Bonus Offer is only available for personal use and may not be used for commercial purposes.
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 IRA. The Bonus amount will not be subject to, or impact, the maximum annual dollar contribution limit or the maximum annual deductible amount. Note that the Bonus may be taxable income for conversions of a non-deductible IRA contribution to a Roth IRA.
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.