Robinhood is one of the best brokers available today, with commission-free stocks, ETFs, options and cryptocurrency, futures at $0.75 per contract ($0.50 with Robinhood Gold) and matching IRA contributions.(1) It also shares competitive rewards with its account holders through its Robinhood Gold subscription. If you’re transferring an existing IRA or rolling over a 401(k), Robinhood’s ongoing 1% match is worth a look — there’s no cap on transfers and rollovers, and Gold subscribers earn a bigger 3% match on annual contributions.(2)
| Bonus type | Eligibility dates | Bonus amount | Requirements | Learn more |
|---|---|---|---|---|
| Robinhood Gold | No set end date | 3.60% APY on uninvested cash and a 3% match on annual IRA contributions, plus 30 days free of Robinhood Gold | $5/month after trial period ends; stay subscribed for at least 1 year after your first match to keep the full 3% | |
| Standard IRA match | No set end date | 1% match on IRA contributions, transfers and 401(k) rollovers — no cap on transfers and rollovers | Self-directed IRAs only. Keep the matched funds in the account for 5 years, or Robinhood charges an early removal fee equal to the match on the funds you withdraw | |
| Retirement account transfer bonus | Through November 13, 2026 | 2% match on retirement account transfers and 401(k) rollovers — no cap on transfers and rollovers | Self-directed IRAs only. Keep the transferred assets for 5 years to avoid an early removal fee. Transfer fee reimbursement up to $75 on transfers of $7,500 or more | |
| Referral program | Starting September 1, 2026; no set end date | Stock rewards from $50 (1 referral) to $10,000 (200 referrals), capped at $15,000 a year | You need an eligible individual taxable account, and each friend must open an account and make a deposit over $0 | |
| Robinhood Strategies | No expiration | 0.25% annual management fee, with no fee on assets over $100,000 for Robinhood Gold subscribers (capping the annual fee at $250) | Requires a Robinhood Gold subscription ($5/month) for the fee cap; $50 minimum investment |
Robinhood Gold lets you earn 3.60% APY on uninvested cash with up to $2.5 million in FDIC insurance. You’ll receive a free 30-day trial of Robinhood Gold, and then it costs $5 per month. Your subscription includes a 3% match on annual IRA contributions — three times the standard 1% match non-Gold customers get. Outside limited-time promos, transfers and 401(k) rollovers earn the standard 1% match whether or not you subscribe, and you need to stay subscribed for at least 1 year after your first match to keep the full 3%.(2)(3)
Yes. Through November 13, 2026, Robinhood matches 2% of retirement account transfers and rollovers into a self-directed IRA — double the standard 1% match. It also reimburses account transfer fees up to $75 when you transfer $7,500 or more. Outside that promotional window, Robinhood matches 1% of any amount you transfer or roll over into an IRA, with no cap on the match.(2) The match covers both an IRA and an old 401(k) moved into Robinhood, though rollovers must be cash. The one condition on the IRA match: the matched funds need to stay in the account for 5 years, or Robinhood charges an early removal fee equal to the match on the funds you withdraw.
Robinhood promotions are for both new and existing customers, but they are limited in scope. Before signing up, check out our list of best brokerage accounts, as some other brokers like Moomoo or tastytrade may better suit your needs.
| Broker | Bonus offer | More info |
|---|---|---|
| Webull | Up to 3.5% IRA contribution match with Webull Premium plus up to $175 in transfer fee reimbursements | Learn more |
| SoFi Invest® | Plus, get up to $1,000 in stock. T&C apply. | Learn more |
| tastytrade | $100 per referral | Learn more |
| Interactive Brokers | $200 per referral | Learn more |
| Moomoo | 3.35% APY cash sweep base rate plus a one-time 4.75% APY booster for 2 months on up to $20,000 for new customers. The base rate continues after the booster only with a Moomoo Engine membership. | Learn more |
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