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 catch is time: matched money has to stay five years, and you must keep Gold a year to get the 3%. Nothing else caps how much you can match, so the five-year hold is the only real question.
Eligibility
How to get the Robinhood bonus
- 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.
The 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.
Verification and reports
Confirmed against robinhood.com on Jul 11, 2026. Based on 1 field report. Status Limited reports is computed from those reports, never hand-set.
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.
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Offer history
| 2024-2026 | 1% uncapped | standing; periodic 2% to 3% limited windows |
Sources: robinhood.com retirement (checked Jul 11, 2026)