{"slug":"robinhood-ira-transfer-match-sign-up-bonus","category":"brokerage","institutionSlug":"robinhood","product":"IRA transfer match","title":"Robinhood: IRA transfer match","bonus":"1% match","unit":"cash","amount":0,"reqShort":"Transfer in; match scales with balance; 5-year hold","expiresOn":null,"status":"live","verifiedOn":"2026-07-11","reports":1,"openIssues":0,"states":null,"referralGated":false,"hardPull":false,"chex":null,"fee":"Gold subscription required for the 3% contribution match (keep 12 months)","keep":"5 years. Early removal triggers a fee clawing back the match","posts":"Match lands shortly after the transfer settles","yieldNote":"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.","applyDomain":"robinhood.com","applyUrl":"https://robinhood.com/us/en/about/retirement/","summary":"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.","reqSteps":["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."],"finePrint":["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."],"listedOn":"2026-07-11","memberReports":[{"topic":"Structure","text":"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."}],"history":[{"when":"2024-2026","amount":"1% uncapped","note":"standing; periodic 2% to 3% limited windows"}],"ruleIds":[],"sources":[{"label":"robinhood.com retirement","url":"https://robinhood.com/us/en/about/retirement/","checkedOn":"2026-07-11"}],"needsVerification":false}