Only direct recipients of the promotional offer from Robinhood Gold, LLC (Robinhood) are eligible for this limited-time offer. The offer isn’t available to the general public. This offer is only available in non-retirement, investing accounts of qualified Robinhood customers who are subscribed to Robinhood Gold.

In order to earn the boosted APY, you must be a Robinhood Gold subscriber. As a Robinhood Gold subscriber, you must make a single successful deposit of at least the deposit amount displayed to you in the promotional offer (the Deposit Amount) between September 25, 2024 at 12 AM PT and November 1, 2024 at 11:59 PM PT. Any uninvested cash in your account will then automatically earn a 0.50% boost on top of the standard Gold APY rate as a special offer for 60 days.

After 60 days, you will receive the standard Gold APY rate. The standard Gold APY rate as of Nov 15, 2024 is 4.25% APY. The 60 days of boosted rate may not be consecutive, and the boost could be temporarily paused due to market conditions. If your boosted rate is paused, you’ll temporarily receive the standard Gold APY rate until the boost resumes, and then you'll resume receiving the boosted rate until you’ve received the boosted rate for a total of 60 days.

Your eligibility to earn the boosted APY for the full 60 days is contingent on whether your net deposits (deposits minus withdrawals) in your Robinhood non-retirement investing account equal or exceed the Deposit Amount. As long as your net deposits equal or exceed the Deposit Amount for 60 days, you will receive the full boosted APY for each of those days. If your net deposits from your Robinhood non-retirement individual investing account drop below the Deposit Amount, you may no longer receive the boosted APY and your account may receive the standard Gold APY rate.

The funds you receive through this offer will be reported as interest income in your 1099-INT form. Because of IRS minimum earnings requirements, you may not receive a 1099-INT form if your interest payments received during the calendar year are less than $10.

As with all tax forms, you’ll be able to download a consolidated 1099 form (which includes the 1099-INT) starting in mid-February of every year. If you have questions about your specific tax situation, please consult with your tax professional.

Robinhood boosted APY offer is subject to these terms and conditions.

Eligibility: The Robinhood Gold Boosted APY is valid only for customers who directly receive an email or in-app communication about the offer; have an active Robinhood Gold subscription; and are enrolled in the Cash Sweep Program. This offer is not available to the general public. Robinhood may decline requests to enroll in the offer at its discretion.

Offer: Customers who meet the eligibility criteria of this offer and make a single successful deposit of at least the deposit amount displayed to them in the original promotional offer from Robinhood at the time they received the APY Boost offer (the “Deposit Amount”) into their Robinhood non-retirement investing account between September 25, 2024 at 12 AM PT and November 1, 2024 at 11:59 PM PT will receive a 0.50% boost on top of the standard Gold APY rate as a special offer for 60 days. After 60 days, the APY rate will revert back to the standard Gold APY rate which as of Nov 15, 2024 is 4.25% APY. The standard Gold APY rate is subject to change at any time without notice. Please note that the 60 days of boosted rate may not be consecutive, and the boost could be temporarily paused due to market conditions. If your boosted rate is paused, you will temporarily receive the standard Gold APY rate until the boost resumes, and then you will resume receiving the boosted rate until you have received the boosted rate for a total of 60 days. You will then begin receiving the standard Gold APY rate.

Qualifying net deposits: Customers must maintain “Net Deposits” greater than or equal to the Deposit Amount in order to receive the boosted APY for the entire 60 day duration. Net Deposits is defined as the deposits minus withdrawals from your Robinhood non-retirement investing account over the 60 day boost period. As long as your Net Deposits equal or exceed the deposit amount for 60 days, you will receive the full boosted APY for each of those days. If your Net Deposits drop below the Deposit Amount, you may no longer receive the boosted APY and your account will receive the standard Gold APY rate.

Qualifying deposits. A qualifying deposit must be a single deposit from an external account in an amount equaling or exceeding the Deposit Account. Multiple deposits cannot be combined to satisfy the terms of this offer. Deposits into retirement, cryptocurrency, spending, or any other types of Robinhood accounts not designated in this offer are not eligible deposits for purposes of this offer. Deposits from retirement, cryptocurrency, spending, or any other type of Robinhood account and transfers between joint and individual brokerage accounts are not eligible deposits for purposes of this offer.

Withdrawals: The following activities constitute a withdrawal for purposes of calculating Net Deposits (i) standard bank account withdrawals (originated ACH) (ii) instant transfers (iii) ACATs out (iv) wire transfers out (v) debit card funding (vi) assisted withdrawals.

Timing of boost: In most cases, the deposit boost will immediately apply upon initiation of a deposit. In some cases, such as an initiation of a wire deposit, the boosted APY may take up to 24 hours to show up in your account.

Limitations: This Offer may be delayed, declined, or rescinded in Robinhood’s sole discretion if, for example, Robinhood determines that there may be circumstances indicating fraud or a violation of these Terms. Robinhood reserves the right to change or restrict the Offer terms, or terminate the Offer, at any time without notice. This Offer is valid even if other Robinhood Offers have already been accepted. The Offer is not transferable, saleable, or valid in conjunction with certain other Offers, and is available to US residents only. Other restrictions may apply. Participation in this promotion does not constitute a solicitation of a security or a recommendation to buy, sell, or hold any given security. Robinhood does not provide investment advice and does not hereby recommend any security or transaction. This is not an offer or solicitation in any jurisdiction where we are not authorized to do business.

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. The funds you receive through this offer will be reported as interest income in your 1099-INT form. Because of IRS minimum earnings requirements, you may not receive a 1099-INT form if your interest payments received during the calendar year are less than $10.

Securities trading offered through Robinhood Financial LLC (member SIPC), a registered broker-dealer, and a subsidiary of Robinhood Markets, Inc. Robinhood Gold is a subscription-based membership program of premium services offered through Robinhood Gold, LLC.