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.

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.

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.

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

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 The money will immediately be withdrawn from your spending account balance and credited to the other person’s account when they accept.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 calendar 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 web classic.

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.

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 web classic under Recent History.

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.

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.

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 Settings → Pay & Request → Limits. You’ll see transfer limits for the amount and frequency of money you send and receive (7-day rolling basis).

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.

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.