Account transfers into your Robinhood self-directed, individual or joint investing account from an external brokerage will earn you a cash bonus.

When you transfer eligible assets from outside brokerage accounts into your taxable, self-directed Robinhood individual investing account or Robinhood joint investing account, starting at 9 AM PT on October 9, 2025 until 8:59 PM PT on November 19, 2025, you'll get a cash 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.

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

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.

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. Consult with your tax advisor about the appropriate tax treatment for this offer and any tax implications associated with receipt of a cash bonus.

Keeping the bonus after withdrawing money from your account depends on how long you maintain the transferred assets in your 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 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. After 90 days, any bonus reduction applied will be based on how much time remains in the required holding period.

Note though that after 90 consecutive days, you’ll unlock a one-time, 60-day grace period where you can withdraw up to your original transferred amount without triggering an immediate bonus reduction. However, the bonus portion of your account value will be temporarily frozen, which means it’ll be unavailable to invest or withdraw until the withdrawn money is returned to your account.

Keep in mind, the grace period doesn’t apply to ACATS transfers out. If a withdrawal outside of the grace period causes your account balance to decrease 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 Nov 1, 2025 and the funds settled on Nov 8th.

• Let’s say you earn a $50 bonus, which is now available in your account as buying power. Your new account balance is $5,000 (current balance) + $10,000 (transfer amount) + $50 (bonus) = $15,050
• 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 $15,050:
  • Withdraw any amount of money on or after Nov 8, 2030 (5 years after the settlement date of your account transfer) and keep the bonus.
  • Withdraw $500 before Nov 8, 2030. You can keep the $50 bonus because the remaining account balance, excluding the bonus and after the withdrawal, remains greater than the transfer amount.
    • $15,050 (current balance) - $50 (bonus) - $500 (withdrawal amount) = $14,500 > $10,000 (transfer amount)
  • Withdraw $6,000 before Nov 8, 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.
    • $15,050 (current balance) - $50 (bonus) - $6,000 (withdrawal amount) = $9,000 < $10,000 (transfer amount)
    • 1% x ($10,000 - $9,000) = $10

Grace period example

Let’s say you transferred $1,000 and received a $10 bonus, then withdrew $500 during the grace period, your $10 bonus 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 may be impacted 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 bonus, which is now available in your account as buying power.
  • You invest the $10,100 in a stock that decreases in value to $9,000. Even if your portfolio value drops below $10,100, you can keep the $100 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 bonus.

  • You’d earn a $100 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.

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

Eligibility: The Bonus Offer is only available to customers who: (1) have a self-directed, 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, 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. Deposits to brokerage accounts managed by Robinhood Asset Management, LLC (Robinhood Strategies) are not eligible for this Bonus Offer.

Definitions

• Bonus: A percentage of the Net Transferred Asset Value, at the rate displayed to the customer in-app at the time they receive and accept the Bonus Offer.
• Offer Period: Between October 9,  2025 at 9 AM PT and November 19, 2025 at 8:59 PM PT. Robinhood may modify these dates without notice.
• Net Transferred Asset Value: The total value of all qualified ACATS initiated during the Offer Period minus any outflows from all Robinhood Platform accounts through the Offer Period. The total value of all qualified ACATS initiated is the asset value of the incoming transfers, including any credit balance, minus any debit balance, including a margin balance.
• Robinhood Platform: All accounts offered by Robinhood Markets, Inc. or any of its wholly-owned subsidiaries.
• Withdrawals: 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 out. 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.

Offer: Robinhood ACATS Bonus. For eligible Robinhood customers who initiate an ACATS transfer within the Offer Period, Robinhood will deposit the Bonus to the customer’s Brokerage Account, subject to a 5-year earn-out as described below.

Bonus: The Bonus will be deposited into the customer’s Brokerage Account approximately two 2 weeks from when the customer’s eligible ACATS transfer settles. Transferred assets are eligible if they are initiated during the Offer Period and successfully settle.

The amount of the Bonus is calculated based on the Net Transferred Asset Value, using the national market system closing price of each position transferred into the account on the trading day before the date 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 a customer receives a 1% Bonus Offer and makes 4 individual ACATS transfers of $0.25, Robinhood will add the bonus into their Brokerage Account after the fourth transfer when it accrues up to $0.01.

Withdrawal Limitations: If, at any time during the 5 years after a Bonus is credited, Withdrawals cause the value of the customer’s Robinhood Platform accounts (excluding the Bonus) to fall below the Net Transferred Asset Value, Robinhood will charge back a proportional amount of the Bonus. Chargebacks are deducted from available cash. If insufficient, the amount may be debited from an outgoing financial institution or added to a margin balance, if applicable.

Chargebacks of bonuses received under this or any prior ACATS promotional offers will be applied on a first-in, first-out basis. The earliest bonus credited will be the first subject to reduction or chargeback, followed by later bonuses in chronological order of crediting.

Grace Period: 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.

Joint Accounts: For Joint Account holders, an ACATS transfer is considered initiated once both Joint Account holders have consented to the initiation of the ACATS transfer.

Violation of the Terms: 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.

Not a Recommendation: The Bonus Offer is not a recommendation of any investment or investment strategy, and is not a recommendation that a customer transfer assets into a Brokerage Account.

Right to Modify or Terminate: Robinhood reserves the right to change the Terms or terminate the 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 Bonus Offer is not transferable, salable, or valid in conjunction with certain other offers and is available to US residents only. The Bonus Offer is only available for personal use, and may not be used for commercial purposes.

Eligibility Restrictions: Robinhood customers with restricted accounts, deactivated accounts, and account restrictions are not eligible to participate in the Bonus Offer; Robinhood customers who do not see the Bonus Offer in their app may be subject to these restrictions and therefore ineligible to participate in the Bonus Offer. Robinhood may decline requests to enroll in the Bonus Offer at its discretion. Other restrictions may apply.

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.