With Robinhood Banking, you can send money to almost anyone using just their phone number. They don’t need the Robinhood app or an account to receive it.

Use Send money with a text to pay anyone using their US phone number. You don't need the recipient's bank details, and they don't need a Robinhood account to receive it. Here's how it works:

1. Choose a recipient and enter an amount
2. Funds are held (Pending) until the recipient claims their payment
3. Send that link to your recipient via text or email
4. Your recipient verifies their identity, chooses how to receive the money, and the funds are deposited directly to their debit card/bank account

1. From the Home tab, select Send money with a text
2. Choose a recipient:

• From your contacts: Select Add a recipient → Choose someone from your contacts
• Enter manually: If you don’t have contacts added, select Add a contact → Enter their name and phone number

3. Select the account to send from and enter an amount → Select Continue → Enter a note
4. If the recipient is not on Robinhood, select Confirm → Share payment link. If the recipient is on Robinhood, select Send payment (if you don't see/have this option, it may not be available in your region yet)

Sharing the payment link

After you confirm a payment, we'll generate a one-time-use payment link along with a prefilled message. You'll need to send this link yourself through your preferred messaging system. Your recipient can't claim the money until they receive and open this link.

Until your recipient accepts the funds, your payment is in a Pending state, which means:

• The money is set aside (Pending)
• If the recipient doesn’t claim the payment within 14 days, it automatically expires and we return the money to you

Canceling a pending payment

You can cancel a pending payment at any time before it's claimed:

• Find the transaction in your history
• Select Cancel payment

When you cancel a payment, we release the money we reserved back to your available balance.

If your recipient doesn't have Robinhood Banking

Your recipient will receive a text message containing:

• Your name
• The amount you sent
• Your note/reason for the payment (if included)
• A secure link to claim the funds

When they open the link, they'll be asked to:

1. Confirm they want to accept the payment
2. Verify their identity by entering a one-time passcode sent to the phone number
3. Choose how to receive the funds:

• Apple Pay or Google Pay, or
• Manually enter a debit card

Your recipient doesn't need to download the app or create an account, the money is deposited directly, typically within minutes.

• Payment sent: The payment is pending, and your recipient gets a text with claim instructions.
• Payment complete: The payment was claimed by the recipient.
• Payment link expires soon: The payment hasn’t been claimed yet, and you can remind the recipient to claim it.
• Payment expired: The payment link has expired and the money was returned to your account.

Sending money is fee-free for both you and your recipient.

Your Send money with a text dollar limit depends on your account standing, including factors such as your balance, deposit history, and how long you’ve had your account. As your account standing improves, your limit tier may increase automatically.

There's also a cap on the number of transactions allowed in each window.

If you try to send or receive an amount that would put you over your limit, you'll see an error message and the transaction cannot be completed.

If something looks wrong with a completed payment (for example, you don't recognize the transaction or funds didn't arrive as expected):

1. Find the transaction in your history
2. Select Report a problem
3. Follow the prompts to submit a dispute

Our team will review your report and follow up with next steps.

Payment scams are very common, so the best way to avoid them is only sending money to people you know and trust. For more information on how to spot payment scams and protecting yourself, check out How to identify and report scams.