Only direct recipients of the Robinhood Account Transfer promotional offer are eligible for this limited time offer. The offer is not available to the general public. For eligible customers, transfers into your taxable, self-directed Robinhood individual or joint investing account from an external brokerage will earn you a bonus. No matter how much you transfer, we’ll give you an extra bonus.

When you transfer eligible assets from outside brokerage accounts into your Robinhood individual investing account or Robinhood joint investing account, starting at 9 AM PT on July 23, 2025 until 9 PM PT on August 13, 2025, you'll get a bonus on top of the net transferred asset value. Only brokerage account transfers earn the bonus and not other transfers, like ACH transfers. You must initiate the account transfer during the offer period, although the account transfer may settle outside this period. This offer only applies to self-directed investing accounts and is not available in accounts managed by Robinhood Asset Management, LLC

You’ll earn a bonus on the net transferred asset value, including transferred cash and securities, which is calculated based on the trading day before transfers settle. Settlement occurs when the securities are posted to the account and available to trade. Note that the bonus is only available for assets that successfully transfer and settle, and won’t be granted for those that are rejected.

Example

Let’s say you transfer $4,000 out of your investing account on July 23, 2025, and then transfer $10,000 back in on August 13, 2025. Only the net new $6,000 will be eligible for the bonus.

We don’t charge a fee to transfer assets into Robinhood. 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 per account type, per brokerage. Contact us to request a reimbursement.

It typically takes 5-7 business days for transferred assets to fully settle into your Robinhood account.

Generally, the bonus will be available in your account and ready to invest after your account transfer is fully settled.

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The bonus may be reported on applicable 1099 forms where required by rules and regulations.

Keeping the bonus after withdrawing money from your account depends on how long you maintain the transferred assets in your self directed, taxable individual or joint investing account and the account’s net balance, as described in the following example.

As long as you keep the eligible funds for at least 5 years in your self directed, taxable Robinhood individual or joint investing account, the bonus is yours to keep.

If you withdraw money earlier than 5 years from when it’s settled in your account, and your remaining account balance stays at or more than the bonus plus the net transferred value that earned the bonus, it’s yours to keep.

However, if you withdraw money before 5 years and your remaining account balance reduces to less than the net transferred value, a portion of your bonus may be deducted from your account depending on how much time remains in the required holding period.

You’ll have the option of a one-time, 60-day grace period during which a temporary withdrawal will be permitted without your bonus being reduced if you’ve maintained the net transferred asset value plus the bonus amount received for at least 90 consecutive days.

Keep in mind, the grace period doesn’t apply to ACATS transfers out. If a withdrawal is ineligible for a bonus reduction grace period, occurs outside of the grace period, or you’ve already used your one-time grace period, and your account balance decreases to less than the originally transferred amount, a prorated bonus reduction will apply based on the remaining time left in the 5-year holding period.

Example

Let’s say your current account balance is $5,000, and you transferred assets valued at $10,000 into your Robinhood account on July 23, 2025 that qualified for a 1% bonus, and the funds settled on July 30th.

• You’d earn a $100 bonus, which is now available in your account as buying power. Your new account balance is $5,000 (current balance) + $10,000 (transfer amount) + $100 (1% bonus) = $15,100
• Here are some withdrawal examples that show how timing and withdrawal amount affect your account balance. For all these examples, we’re assuming that your account balance starts at $15,100:
  • Withdraw any amount of money on or after July 30, 2030 (5 years after the settlement date of your account transfer) and keep the bonus.
  • Withdraw $500 before July 30, 2030. You can keep the $200 bonus because the remaining account balance, excluding the bonus and after the withdrawal, remains greater than the transfer amount.
    • $15,100 (current balance) - $100 (1% bonus) - $500 (withdrawal amount) = $14,600 > $10,000 (transfer amount)
  • Withdraw $6,000 before July 30, 2030. We’d remove $10 of your account transfer bonus because the remaining account balance, excluding the bonus and after the withdrawal, drops below the transfer amount.
    • $15,100 (current balance) - $100 (1% bonus) - $6,000 (withdrawal amount) = $9,000 < $10,000 (transfer amount)
    • 1% x ($10,000 - $9,000) = $10

Grace period example

Once the funds have been in the account for at least 90 days, you may be eligible to use a grace period, allowing funds to be temporarily withdrawn without losing the bonus, as long as the funds are then returned within 60 days. Let’s say you transferred $1,000 and received a $10 (1%) bonus, then withdrew $500 and opted to use your one-time grace period, $5 of your bonus (50% of the bonus corresponding with the $500 withdrawal) would be frozen and unavailable for use until the $500 is returned. This allows you to temporarily access your money while having the option to retain your full bonus only if you replace the withdrawn amount within the grace period.

Your balance is definitely affected by negative or positive market movement. Market movements don’t impact your bonus, only withdrawals or asset transfers out would cause a bonus removal.

Examples

• Negative market movement can decrease your account balance. For example, let’s say you start with an account balance of $0 and transfer $10,000 into your account.

  • You’d earn a $100 (1%) bonus, which is now available in your account as buying power.
  • You invest the $10,200 in a stock that decreases in value to $9,000. Even if your portfolio value drops below $10,200, you can keep the $200 bonus. However, if the value of your portfolio decreases and you initiate a withdrawal, you may be subject to a chargeback per the following terms and conditions.

• Positive market movement can increase your account balance. For example, let’s say you start with an account balance of $0 and transfer $10,000 into your account and get a $100 (1%) bonus.

  • You’d earn a $100 (1%) bonus, which is now available in your account as buying power.
  • You then invest the $10,100 in a stock that increases your account balance to $20,100.
  • Then you withdraw $10,000 to your bank account. You’ll keep your $100 bonus because your remaining balance, excluding the bonus, is $10,000, which is equal to what you transferred in to get the bonus.

The Robinhood Financial LLC (“Robinhood”) ACATS Bonus Offer (“Bonus Offer”) is subject to these Terms and Conditions.

Eligibility: The Bonus Offer is only available to customers who: (1) have an individual or joint Robinhood taxable brokerage account (“Brokerage Account”); (2) directly receive an email or in-app communication about the Bonus Offer; and (3) within the Offer Period, successfully initiate an Automated Customer Account Transfer Service (“ACATS”) transfer of new funds or investments to their Brokerage Account from an external brokerage account. The Bonus Offer is only available for self-directed accounts and is not available to the general public. Deposits to Brokerage Accounts managed by Robinhood Asset Management, LLC (Robinhood Strategies) are not eligible for this Bonus Offer. Robinhood may decline requests to enroll in the Bonus Offer at its discretion.

Offer: Robinhood ACATS Bonus. For eligible Robinhood customers who initiate an ACATS transfer within the Offer Period, Robinhood will deposit the percentage of the Net Transferred Asset Value (a “Bonus”) displayed to the customer in the original promotion (the rate displayed in the communication, the “Bonus Rate”) from Robinhood to the customer’s Brokerage Account, subject to a 5-year earn-out as discussed in this section.

“Net Transferred Asset Value” is the total value of all initiated Brokerage Account ACATS from July 23, 2025 at 9 AM PT through August 13, 2025 at 9 PM PT (the “Offer Period”) minus the value of any outflows from all accounts offered by Robinhood Markets, Inc. or any of its wholly-owned subsidiaries (the “Robinhood Platform”) from July 23, 2025 at 9 AM PT until the first ACATS In settles. The Bonus will be deposited into the customer’s Brokerage Account within approximately two weeks from when the customer’s eligible ACATS transfer settles. Robinhood may change the Offer Period dates at any time without notice. Transferred assets are eligible if they are initiated during the Offer Period and successfully settled.

Limitations: If, during the 5-year period after receiving a Bonus, a customer initiates one or more withdrawal(s) from the Robinhood Platform that causes the value of the customer’s accounts on the Robinhood Platform to be less than the Net Transferred Asset Value (excluding the Bonus(es) amount received), Robinhood will chargeback a proportional amount of the applicable Bonus amount, separate from and in addition to any fees that may be charged for such withdrawal. If the customer has cash available in their Brokerage Account, this chargeback will be deducted from their available cash balance. If the customer has insufficient cash available in their Brokerage Account to cover the chargeback, this fee may be debited from their outgoing financial institution, or added to a margin balance, if applicable. Withdrawals include, but are not limited to: a debit card transaction from a customer’s Brokerage Account, originated and non-originated ACH, wire transfers, and ACATS. However, a withdrawal does not include the purchase of an investment in a Brokerage Account, such as a stock, or a purchase of cryptocurrencies in a Robinhood Crypto, LLC account.

After maintaining the Net Transferred Asset Value plus the Bonus amount received for at least 90 consecutive days, customers will be eligible to take advantage of a one-time, optional 60-day grace period (“Grace Period”) during which withdrawals will be permitted without the consequence of a chargeback. During the Grace Period, a customer may withdraw up to the principal Net Transferred Asset Value (but not including the received Bonus amount). The Grace Period is not available for ACATS transfers out. During the Grace Period, the portion of the customer’s received Bonus amount that is subject to chargeback will be frozen and will not be able to be used until the withdrawn funds are returned to the Brokerage Account. Additionally, if a chargeback is triggered, Robinhood will use proration to calculate the chargeback amount, in which case the amount to be charged back against the customer’s Brokerage Account will be determined by multiplying the amount to be charged back by the percentage of remaining time left in the required 5-year holding period.

In the event that Robinhood determines in its sole discretion that there may have been fraudulent activity or a violation of the terms of this Bonus Offer in connection with the Bonus, Robinhood reserves the right to either decline to grant the Bonus, or to rescind or liquidate the Bonus, or any security or any related dollar proceeds derived from the Bonus. The Bonus will be credited to the customer’s Brokerage Account within approximately two weeks 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.

The amount of the Bonus is calculated based on the Bonus Rate 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 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 transfer results in a Bonus amount that includes a fraction of a dollar smaller than $0.01, the Bonus is calculated to 4 decimal points. Robinhood will add the Bonus amount to their account after it reaches the next whole cent increment. For example, if customers make 10 individual ACATS transfers of $0.10, Robinhood will add a Bonus into their account when it accrues up to $0.01.

The Robinhood ACATS Bonus Offer is not a recommendation of any investment or investment strategy, and is not a recommendation that a customer transfer assets into a Robinhood Brokerage Account. Robinhood reserves the right to change the offer terms or terminate the offer at any time without notice. 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. For taxable accounts, the value of all Robinhood offers received or charged back may be reported on applicable 1099 forms where required by rules and regulations. Robinhood does not take responsibility for any tax related to this cash reward.

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