Percentage-match economics instead of a flat bonus: Robinhood matches 1% of IRA or brokerage transfers with no cap — the match scales linearly with what you move — and 3% on new IRA contributions with a Gold subscription. The price is time: matched assets must stay five years, and Gold must be kept a year for the 3%. The uncapped scaling is unique; the hold is the whole decision.
Requirements, precisely
- Open the Robinhood IRA (traditional or Roth) or brokerage account.
- Initiate an ACATS transfer in; the match posts after settlement.
- For the 3% contribution match: subscribe to Gold first and keep it 12+ months.
- Leave matched assets in place 5 years.
Fine print that matters
- Early withdrawal within 5 years triggers an early-removal fee reclaiming the match.
- Canceling Gold within 12 months claws back the 3% contribution match.
- Transfer-out fees from your old broker may apply; Robinhood has run reimbursement promos — verify.
The yield math
1% once, amortized over the mandatory 5-year hold ≈ 0.2%/yr — real money at scale ($1,000 per $100k moved), but priced in years of custody. Compare against any bonus you'd forgo elsewhere during the hold.
Field reports
Structure. Uncapped 1% with 5-year hold confirmed via StockBrokers.com review 7/7/26; they rank it the most aggressive scalable match in the industry.
Reports are dated, sourced, and curated from public coverage and reader tips. Spot something new or wrong? Send a tip — corrections ship and are credited in the changelog.
Offer history
| 2024–2026 | 1% uncapped | standing; periodic 2–3% limited windows |
Status: Limited reports — computed from the field reports above, never hand-set. Label definitions are on the method page. Sources: robinhood.com retirement (checked Jul 7, 2026) · StockBrokers.com bonus guide (checked Jul 7, 2026)