Robinhood Roth IRA Review 2025: A Must for Gold Members

Robinhood IRA at a glance

Feature	Rating	Details
Investment options	★★★★★	Invest in stocks, options and exchange-traded funds (ETFs) in a Robinhood IRA.
Trading costs	★★★★★	Zero commission stock, option and ETF trades, with no options contract fees.
Account fees	★★★★★	No annual fees, inactivity fees or IRA closing fees, but a $100 full outgoing account transfer fee applies.
Account types and minimums	★★★★★	Offers traditional, Roth and rollover IRAs with no minimum deposit requirements.
Trading platforms and technology	★★★★★	Mobile and web-based trading platforms Screeners, watchlists, price alerts, market news, analyst reports, advanced charts, company statistics, earnings estimates, analyst ratings, price targets, trending stock lists, but no company financials
Features and amenities	★★★★★	Robo-advisor Fractional share trading Instant buying power IPO access 24/5 market access Educational articles and videos
Customer support	★★★★★	Contact Robinhood customer support by live chat and phone 24/7.
Mobile app	★★★★★	Google Play app reviews: 4.2/5 stars based on over 520,910 reviews, as of September 2025 Apple App Store app reviews: 4.3/5 stars based on over 4.6 million reviews, as of September 2025
IRA match	★★★★★	Earn up to 3% on every IRA contribution and 1% on IRA transfers and 401(k) rollovers.

To learn how our star ratings are calculated, read our methodology.

Robinhood IRAs are best for beginner and intermediate traders and investors

Robinhood is a practical option for novices and intermediate traders and investors because it makes it incredibly easy to invest while offering a respectable trading platform for those looking to take more of an active role. Its platform is one of the most user-friendly on the market, and the company continues to innovate with new features, including matching IRA contributions and a trading market that’s open 24 hours a day, five days a week.

What we like about the Robinhood IRA

Robinhood is one of the most accessible and beginner-friendly investing platforms on the market. It’s easy to get started, easy to use and commission-free. Instant deposits, fractional share trading from just $1 and Robinhood’s 24/5 trading give you quick and broad access to the market. Here’s what else we like.

Robinhood Gold

While Robinhood is free to use, it also offers access to an upgraded version of its platform for a $5 monthly fee. IRA-specific Robinhood Gold features include:

• 3% IRA match. Get up to 3% in matching IRA contributions.
• 1% IRA transfer match. Transfer any IRA or 401(k) rollover to receive an unlimited 1% match.
• Larger instant deposits. Access instant deposits of up to $5,000 or three times your portfolio value.
• Professional market research. Receive extensive stock reports from Morningstar that include company strategy, performance and risk.
• Technical analysis. Access to Level 2 market data from Nasdaq. Gold members also get unlimited access to Morningstar’s premium, in-depth stock research reports for approximately 1,700 stocks.
• Management fee savings. Pay zero fees on every dollar over $100K invested with Robinhood Strategies.

Robinhood offers a free 30-day trial period of Robinhood Gold.

9.4 Excellent

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Robinhood Gold

• Earn up to 3.75% APY on uninvested cash (subscription fees apply).
• Get up to a 3% match on all new IRA contributions.
• Receive a 1% unlimited match on IRA transfers and 401(k) rollovers.
• Access professional research from top-tier research provider, Morningstar.

Dive deeper: Is Robinhood Gold worth the cost?

Robinhood’s IRA match

Get a 3% match on IRA contributions when you subscribe to Gold or 1% without Gold. All IRA transfers and 401(k) rollovers earn 1%, and there’s no limit to how much you can get in matching contributions. If you transfer to Robinhood an IRA with $10,000, Robinhood gives you $100. The Robinhood IRA match is one of the most competitive IRA match programs on the market.

IPO access

Get access to select IPOs and purchase shares before they enter the public market. Robinhood’s IPO Access lets you buy shares of companies at the IPO price as the stock becomes available to the general public. Here’s how it works:

• Confirm your interest in an IPO and request shares once the underwriter sets the initial price range.
• Robinhood uses a random allocation process to choose which customers are allotted shares. Shares are limited, and you may get the full number of shares you requested, a partial amount or none at all.
• On the IPO date, Robinhood will let you know how many shares you can buy.

24 hour market

Trade select stocks and ETFs 24 hours a day, five days a week, from Sunday 8 p.m. through Friday 8 p.m. ET. Place limit orders to buy whole shares of over 1,050 stocks and ETFs, including names such as Nvidia (NVDA), Tesla (TSLA) and Apple (AAPL).

Trade options in your Robinhood IRA

With approval, trade Level 2 options strategies in a Robinhood IRA with no commission or per-contract fees. Choose and customize your strategy with Robinhood’s Strategy Builder, adjust or extend your positions with options rolling and monitor options contracts to see their hypothetical returns. Available strategies include long calls, covered calls, long puts and short puts.

Robinhood’s platform is easy to use

In terms of usability, Robinhood is simple and straightforward, with a clean interface that makes it ideal for beginners. That said, Robinhood’s charting and free research tools are subpar, especially compared to the sophisticated financial tools of some newcomer brokers.

Here are some of the tools you can use to trade with on Robinhood:

• Watchlists
• Key statistics, such as market cap, price-to-earnings (P/E) and average volume
• Buy, hold and sell ratings
• Recent earnings results and estimates
• News feed
• A chart with some advanced features
• A chart with some advanced technical indicators, such as volume, moving averages and Bollinger Bands
• Trading Trends, which shows trading trends for Robinhood customers, hedge funds and insiders

Upgrading to Robinhood Gold for $5 per month gets you access to Morningstar research and Level 2 Nasdaq market data, though day traders might still find it lackluster. You can add the Level 2 Nasdaq market data, including a depth chart and book in the advanced chart of any given stock. We did notice that Morningstar research wasn’t available for every stock, though.

Robinhood Legend and other trading tools

Robinhood’s new web-based desktop trading platform, Robinhood Legend, is a much-needed addition to Robinhood’s suite of products, offering Robinhood customers a dedicated advanced trading platform.

Here are some of the features you’ll find on Robinhood Legend:

• Trade on the chart
• Technical indicators
• Drawing tools
• Custom intervals
• Custom and preset layouts
• Compatible with multiple monitors

Robinhood Strategies

Robinhood’s new robo-advisor offers tailored, expert-managed portfolios for 0.25% annually and a $250 yearly fee cap for Robinhood Gold members. Portfolios comprise stocks and ETFs, with the ability to restrict individual stocks, Monte Carlo simulations to simulate future return, tax strategies, market and portfolio insights and more.

Robinhood Strategies is available for individual and retirement accounts, with support for joint accounts coming soon.

Where Robinhood IRAs fall short

Here’s where we think Robinhood’s IRAs could improve:

Limited investment options

Robinhood offers stocks, ETFs, options, index options, crypto, futures and event contracts but only stocks, ETFs options and index options are available in IRAs. Compare that to Fidelity, which offers crypto in IRAs, and Webull, which offers bonds and money market funds.

Limited analysis and research tools for its standard account

While all Robinhood customers have access to the Robinhood Legend advanced trading platform and analyst ratings on select stocks, Morningstar research is reserved for Gold subscribers. What’s more, Robinhood lacks key company financials like basic income statements and balance sheets.

Robinhood IRA fees

Type of fee	Fee details
Minimum deposit	$0
Annual fee	$0
Commission on stocks and ETFs	$0
Commission on options	$0
Options contract fees	$0
Inactivity fee	$0
Robinhood Gold fee	$5 monthly or $50 per year if you pay annually
IRA closing fee	$0
Outgoing account transfer fee	$100

Is Robinhood legit?

Robinhood is a legitimate company and broker founded in 2013. It’s registered with the US Securities and Exchange Commission (SEC) and is a member of the Financial Industry Regulatory Authority (FINRA) and the Securities Investor Protection Corporation (SIPC). Robinhood Crypto is registered with the Financial Crimes Enforcement Network (FinCEN) as a money services business.

Robinhood’s platform is also considered safe and secure. Through its memberships of SEC, FINRA and SIPC, customers are protected up to $500,000 — including up to $250,000 in cash balances – in the event of Robinhood’s insolvency. It has an additional insurance policy that provides protection for securities and cash up to an aggregate of $1 billion.

Related: Read our full Robinhood review

Robinhood customer reviews and ratings

BBB accredited	No
BBB rating	A+
BBB customer reviews	1.11 out of 5 stars, based on 175 customer reviews
Trustpilot score	1.3 out of 5 stars, based on 4,150 customer reviews
Apple App Store Score	4.3 out of 5 stars, based on 4,600,000 customer reviews
Google Play Score	4.2 out of 5 stars, based on 520,915 customer reviews
Customer reviews verified as of	22 September 2025

Robinhood’s online customer sentiment is mixed, with both positive and negative reviews from users across Reddit and the major review sites. Positive sentiment often revolves around the platform’s user-friendly interface, commission-free trading and accessibility for beginner investors. Users appreciate the simplicity of the app and the ability to start investing with small amounts of money.

However, negative sentiment typically stems from concerns about platform outages during periods of high market volatility and controversies surrounding issues such as payment for order flow and the handling of customer funds.

Overall, while many users find Robinhood’s platform convenient and easy to use, others have raised concerns about reliability and transparency.

Compare Robinhood to other platforms

Compare similar platforms by available asset types, trade fees and minimum deposit requirements. Select Go to site to sign up for an account.

Frequently asked questions

How many Robinhood accounts can I have?

Robinhood now supports multiple accounts per customer, including individual brokerage accounts and IRAs.

Can I keep the IRA match if I withdraw money from my IRA?

Contributions to a Robinhood Retirement account must be held for at least five years to avoid an early IRA match removal fee. This fee is equal to the IRA match amount earned.

When does Robinhood stock market open?

Robinhood offers extended-hours trading and a 24-hour market for select stocks and ETFs, so you can begin trading on Robinhood before normal market hours.

• Pre-market hours: 7 a.m. to 9:30 a.m. ET
• Regular market hours: 9:30 a.m. to 4 p.m. ET
• After hours: 4 p.m. to 8 p.m. ET
• 24-hour market: 8 p.m. on Sunday to 8 p.m. ET on Friday

Finder Scores: What they mean

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Finder is not an advisor or brokerage service. Information on this page is for educational purposes only and not a recommendation to invest with any one company, trade specific stocks or fund specific investments. All editorial opinions are our own.