Pay & Request | Robinhood

Pay & Request

Before you begin

If you don’t already have an account, see Get started with a Robinhood spending account to learn how to sign up.

Pay & Request lets you send and receive money with other people on Robinhood. All you need is a Robinhood spending account to start using it.

Keep in mind

Pay & Request isn’t available to everyone yet. Stay tuned—we’re working to bring it to all Robinhood customers soon.

Get started

To begin, go to Spending and select either Pay or Request. You’ll be prompted to create a username that allows people to find you in the app. You can change your username by going to Account (person icon)→ Edit profile. You can also control your profile visibility settings.

Profile visibility

Your privacy is important to us, so you’ll always have control over whether someone can search for you on Robinhood or not. Right now, other Robinhood customers with a spending account can search for your profile in order to send you money or request money from you. You can easily edit your profile visibility:

  1. Select Account (person icon)→ Menu (3 bars) or Settings (gear)
  2. Select Security and privacy
  3. Select Profile visibility
  4. Select a profile visibility option:
  • Anyone on Robinhood: People with a spending account can search for you by your full name and username, phone number, or email. No one outside of the Robinhood app can see your profile information at any time. This is the default setting, unless you opt out.
  • No one: Your profile won’t show up when people search for you. People who have interacted with you in the past will only see your full name on previous transactions but won’t be able to find you through search.

Your Robinhood profile shows your profile picture, username, the year you joined, and the transaction history between you and the person viewing your profile. Don’t worry, your profile doesn't show any sensitive financial or personal information. Check out Robinhood’s Privacy Policy for more details.

How to pay someone

  1. Go to Spending (dollar icon)
  2. Select Pay
  3. Select your payment source: spending, individual investing, or linked debit card
  4. Enter the amount
  5. Search for the name, username, phone number, or email address of the person you’d like to pay
  6. Select the person you’d like to pay and confirm
  7. On the confirmation screen, you can add a memo
  8. Swipe up or submit to pay
Tip

Can’t find someone’s profile on Robinhood? You can pay money by text or email. They’ll just need to sign up for a spending account to accept their payment or complete the request.

The first time you send money to someone, they’ll need to accept your payment. The money will immediately be withdrawn from your spending account balance and credited to the other person’s account when they accept. If they don’t accept your payment after 10 days, it’ll expire and the funds will return to your spending account balance.

You can view your payments at any time in Spending or on the web.

To avoid payment scams, make sure that you only interact with people you know and trust. For more information, check out how to identify and report scams. If you think you’re the victim of a scam or fraud, contact Robinhood Support as soon as possible.

How to request money from someone

  1. Select Spending (dollar icon)
  2. Select Request
  3. Enter the amount
  4. Search for person’s name, username, phone number, or email address
  5. Select the person you’d like to request and confirm
  6. On the confirmation screen, you can add a memo (optional)
  7. Swipe up or submit the request

You’ll receive a notification when the person completes your request.

You can view your requests at any time in Spending or on the web under Recent History.

First-time payments or requests

If you receive a notification in the app to send or receive money and you don’t have a spending account, open the link in the message and select Continue to complete the steps to sign up. It only takes a couple minutes to open your spending account, and then you can start paying and requesting money.

How to pay or request with QR codes

Pay and request money by scanning a QR code
  1. Select Spending (dollar icon)
  2. Select Pay or Request
  3. Scan the other person’s QR code
  4. Enter the amount
  5. On the confirmation screen, you can add an optional memo
  6. Swipe up to confirm
Access and share your own QR code with others
  1. Select Spending (dollar icon)
  2. Select Pay or Request
  3. View your QR code
  4. Print, share, or add your QR code to your mobile wallet
Create a QR code with a preset request amount
  1. Select Spending (dollar icon)
  2. Select Request
  3. Enter the amount
  4. From the search page, generate the QR code for others to scan

Funding your spending account

Your spending account needs to have enough money to send and complete a payment. If you’re setting up your spending account for the first time, make sure to deposit enough money before trying to pay someone.

You can use your linked debit card or individual investing account to fund your payment. When sending a payment from your debit card or individual investing account, you’re authorizing a one-time deposit into your spending account from your debit card or individual investing account, followed by the payment out of your spending account.

Transfer limits

To maintain your account’s security, we place limits on how much money you can send in a week. Your payment limits may vary depending on certain factors including your account and transaction history.

To check your transfer limit, go to SettingsPay & RequestLimits. You’ll see transfer limits for receiving and sending money (7-day rolling basis).

Rewards

You can get a reward when you send a payment or a request to a friend who hasn’t signed up for a Robinhood account yet. Check out Pay & Request rewards for more information on what you can earn.

Following Robinhood's App Use Standards

When paying and requesting money, make sure that you’re following our App Use Standards. These standards apply to all types of content on Robinhood, including your profile photo, username, and your transactions with others. Keep in mind that failing to follow these standards may result in account limitations. We strive to keep Robinhood a safe place so everyone can use our platform safely and openly.

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PARTICIPATION IS POWER™

All investing involves risk.

Brokerage services are offered through Robinhood Financial LLC, (“RHF”) a registered broker-dealer (member SIPC) and clearing services through Robinhood Securities, LLC, (“RHS”) a registered broker dealer (member SIPC). Cryptocurrency services are offered through Robinhood Crypto, LLC (“RHC”) (NMLS ID: 1702840). Review a list of RHC licenses for more information.The Robinhood Money spending account is offered through Robinhood Money, LLC (“RHY”) (NMLS ID: 1990968), a licensed money transmitter. Review a list of our licenses for more information. Credit card products are offered by Robinhood Credit, Inc. ("RCT") (NMLS ID: 1781911 and issued by Coastal Community Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc.

The Robinhood Cash Card is a prepaid card issued by Sutton Bank, Member FDIC, pursuant to a license from Mastercard® International Incorporated. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.

RHF, RHY, RHC, RCT, and RHS are affiliated entities and wholly owned subsidiaries of Robinhood Markets, Inc. RHF, RHY, RHC, RCT, and RHS are not banks. Products offered by RHF are not FDIC insured and involve risk, including possible loss of principal. RHC isn’t a member of FINRA and accounts are not FDIC insured or protected by SIPC.

RHY is not a member of FINRA, and products are not subject to SIPC protection, but funds held in the Robinhood spending account and Robinhood Cash Card account may be eligible for FDIC pass-through insurance (review the Robinhood Cash Card Agreement and the Robinhood Spending Account Agreement).

Options trading entails significant risk and is not appropriate for all customers. Customers must read and understand the Characteristics and Risks of Standardized Options before engaging in any options trading strategies. Options transactions are often complex and may involve the potential of losing the entire investment in a relatively short period of time. Certain complex options strategies carry additional risk, including the potential for losses that may exceed the original investment amount.

Commission-free trading of stocks, ETFs and options refers to $0 commissions for Robinhood Financial self-directed individual cash or margin brokerage accounts that trade U.S. listed securities and certain OTC securities electronically. Keep in mind, other fees such as trading (non-commission) fees, Gold subscription fees, wire transfer fees, and paper statement fees may apply to your brokerage account. Please see Robinhood Financial's Fee Schedule to learn more.

Robinhood, 85 Willow Road, Menlo Park, CA 94025.© 2024 Robinhood. All rights reserved.
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All investing involves risk.

Brokerage services are offered through Robinhood Financial LLC, (“RHF”) a registered broker-dealer (member SIPC) and clearing services through Robinhood Securities, LLC, (“RHS”) a registered broker dealer (member SIPC). Cryptocurrency services are offered through Robinhood Crypto, LLC (“RHC”) (NMLS ID: 1702840). Review a list of RHC licenses for more information.The Robinhood Money spending account is offered through Robinhood Money, LLC (“RHY”) (NMLS ID: 1990968), a licensed money transmitter. Review a list of our licenses for more information. Credit card products are offered by Robinhood Credit, Inc. ("RCT") (NMLS ID: 1781911 and issued by Coastal Community Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc.

The Robinhood Cash Card is a prepaid card issued by Sutton Bank, Member FDIC, pursuant to a license from Mastercard® International Incorporated. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.

RHF, RHY, RHC, RCT, and RHS are affiliated entities and wholly owned subsidiaries of Robinhood Markets, Inc. RHF, RHY, RHC, RCT, and RHS are not banks. Products offered by RHF are not FDIC insured and involve risk, including possible loss of principal. RHC isn’t a member of FINRA and accounts are not FDIC insured or protected by SIPC.

RHY is not a member of FINRA, and products are not subject to SIPC protection, but funds held in the Robinhood spending account and Robinhood Cash Card account may be eligible for FDIC pass-through insurance (review the Robinhood Cash Card Agreement and the Robinhood Spending Account Agreement).

Options trading entails significant risk and is not appropriate for all customers. Customers must read and understand the Characteristics and Risks of Standardized Options before engaging in any options trading strategies. Options transactions are often complex and may involve the potential of losing the entire investment in a relatively short period of time. Certain complex options strategies carry additional risk, including the potential for losses that may exceed the original investment amount.

Commission-free trading of stocks, ETFs and options refers to $0 commissions for Robinhood Financial self-directed individual cash or margin brokerage accounts that trade U.S. listed securities and certain OTC securities electronically. Keep in mind, other fees such as trading (non-commission) fees, Gold subscription fees, wire transfer fees, and paper statement fees may apply to your brokerage account. Please see Robinhood Financial's Fee Schedule to learn more.

Robinhood, 85 Willow Road, Menlo Park, CA 94025.© 2024 Robinhood. All rights reserved.