Moving retirement money is a hassle, so Robinhood pays you to do it. The Robinhood IRA transfer bonus adds a percentage match on top of any IRA or 401(k) you move into a Robinhood retirement account, and on a large balance that can mean real money.
But the match comes with strings, including how long you have to leave the money there. Here is how the bonus works as of July 2026, the ongoing rates, the seasonal promotions, and the fine print that decides whether it is actually worth it.
What Is the Robinhood IRA Transfer Bonus?
When you transfer an existing IRA from another broker, or roll over an old employer 401(k), Robinhood adds a cash bonus calculated as a percentage of the amount you move. The money lands in your Robinhood IRA as an extra deposit. It is separate from the match Robinhood pays on your annual IRA contributions.
The exact percentage depends on whether you subscribe to Robinhood Gold and whether a limited-time promotion is running. Robinhood runs richer transfer offers in seasonal windows, then falls back to a standing everyday rate the rest of the year.
If you like the idea of getting paid to consolidate old retirement accounts in one place, Robinhood is one of the few brokers that offers a match on transfers at all, not just on new contributions. That is what makes the offer stand out.
Robinhood
Robinhood
Robinhood is a trading platform that brings stocks, ETFs, options, futures, prediction markets, crypto, and retirement accounts together in one app.
Standout feature
One platform for stocks, ETFs, options, futures, prediction markets, and crypto
Fees
$0 commission on stocks, ETFs, and options.
Pros
Zero-commission trading on stocks, ETFs, and options
Cons
Best perks (high APY, lower margin rates) require Gold subscription ($5/month)
The Ongoing Match: 1% vs 3%
Outside of special promotions, the everyday rates work like this. If you do not subscribe to Robinhood Gold, you get a 1% match all year on IRA contributions and on retirement account transfers. There is no membership required for the 1% tier.
If you do subscribe to Robinhood Gold, which costs $5 a month, the match on annual contributions jumps to 3%. That 3% is added on top of every dollar you contribute, up to the IRS contribution limits. On a maxed-out IRA, the Gold match on contributions alone can more than cover the annual membership cost.
Whether Gold pays for itself depends on how much you move and contribute. Our breakdown of whether Robinhood Gold is worth it runs that math, and if you are opening a Roth specifically, our look at whether a Robinhood Roth IRA is good covers the account itself.
The 2026 Limited-Time Transfer Promotion
Robinhood ran a richer offer earlier this year. From January 8, 2026 through April 30, 2026, Robinhood Gold subscribers earned a 2% bonus on IRA transfers and 401(k) rollovers into a Robinhood Retirement account, with no cap on the bonus amount. That window has closed as of July 2026.
This is the pattern to watch: Robinhood tends to launch these boosted transfer promotions in seasonal bursts rather than year-round. If you are reading this outside a promo window, the standing 1% transfer match still applies, and it can be worth waiting for the next elevated offer if you have a large balance to move. Our full guide to the Robinhood transfer bonus tracks how these offers tend to run.
The Fine Print You Must Know
The bonus is not free money you can grab and run with. A few conditions decide whether you actually keep it. First, the holding period: you generally must keep the transferred funds in your Robinhood IRA for at least 5 years. Pull the money out early and Robinhood can claw back the bonus.
Second, the Gold requirement. To earn and keep the Gold-tier bonus, you typically must stay a Robinhood Gold subscriber for 1 year after the first bonus posts. Cancel Gold too soon and you may forfeit part of the match.
Third, the bonus is calculated on your net deposits, meaning transfers in minus withdrawals out during the measurement period. And a straightforward transfer keeps your tax status intact, but a rollover done incorrectly can trigger taxes, so a direct trustee-to-trustee transfer is usually safest. If you are doing anything unusual like a backdoor Roth, read our note on the Robinhood IRA match and backdoor Roth first.
If You Want Options Beyond Robinhood
Robinhood is not the only broker courting transfers. If the Gold subscription or the 5-year lock-up does not fit you, it is worth comparing. Public is a commission-free brokerage that also offers retirement accounts and a strong yield on uninvested cash, without tying its best perks to a monthly membership. It is a cleaner fit for someone who wants simplicity over promotions.
You can see how the platform handles retirement and cash in our Public review. Comparing at least two brokers before you move a large IRA is smart, since the bonus is only one part of the total value.
Public
Public
Investing for those who take it seriously. Invest in stocks, bonds, options, crypto & more.
Standout feature
A 5%+ yield Bond Account paired with 3.3% APY on cash — Public is one of the only consumer apps where idle and conservative money is treated as seriously as the equity portfolio.
Fees
Free
Pros
• Invest in stocks, bonds, crypto & more• Earn 3.3% APY* on your cash with no fees• 1% match when you transfer your portfolio• Lock in a 5%+ yield with a Bond Account
Cons
Customer support is in-app and email only, no phone
Is the Robinhood IRA Transfer Bonus Worth It?
For most people with an old 401(k) or an IRA sitting at a pricier broker, the math leans positive, especially during a boosted promo window. A 2% bonus on a $50,000 rollover is $1,000, and even the standing 1% on that balance is $500. As long as you plan to keep the money invested for the long haul anyway, the 5-year hold is not a real constraint.
The catch is the Gold subscription cost and the clawback rules, so run your own numbers before moving anything. If the fit is right, Robinhood makes consolidating retirement accounts genuinely rewarding. Terms and conditions apply, promotional rates change, and all investing carries risk, including the possible loss of principal.
Robinhood
Robinhood
Robinhood is a trading platform that brings stocks, ETFs, options, futures, prediction markets, crypto, and retirement accounts together in one app.
Standout feature
One platform for stocks, ETFs, options, futures, prediction markets, and crypto
Fees
$0 commission on stocks, ETFs, and options.
Pros
Zero-commission trading on stocks, ETFs, and options
Cons
Best perks (high APY, lower margin rates) require Gold subscription ($5/month)
Frequently Asked Questions
How much is the Robinhood IRA transfer bonus?
As of July 2026, the standing match is 1% on IRA transfers and 401(k) rollovers with no membership required. Robinhood Gold members get a 3% match on annual contributions, and Robinhood ran a limited-time 2% transfer bonus for Gold members from January 8 to April 30, 2026.
How long do I have to keep the money at Robinhood?
You generally must keep the transferred funds in your Robinhood IRA for at least 5 years to keep the bonus. Withdrawing early can trigger a clawback of the matched amount. Gold-tier bonuses also usually require staying a Gold subscriber for a year.
Will transferring my IRA to Robinhood trigger taxes?
A direct trustee-to-trustee transfer or a proper direct rollover moves the money without a taxable event. Problems usually happen only with an indirect 60-day rollover done incorrectly. When in doubt, ask both brokers to handle it as a direct transfer.
Do I need Robinhood Gold to get the transfer bonus?
No. The 1% transfer and contribution match is available without Gold. Gold, at $5 a month, raises the contribution match to 3% and unlocks the higher promotional transfer bonuses when they run. Whether it pays off depends on how much you move and contribute.
