E*TRADE IRA Promotion
E*TRADE IRA Promo Code
If you're considering opening a new retirement account, E*TRADE might be worth your consideration. This
popular broker is offering a cash bonus of up to $10,000 to qualifying new customers who open and fund an eligible retirement account. To earn the full amount, a sizable deposit is required, but the tiered rewards system means accounts funded with at least $1,000 can benefit. Keep reading for more details.
E*TRADE IRA Bonus Details
The E*TRADE $10,000 cash offer is available to new E*TRADE clients who open and fund one new eligible retirement account by the offer deadline. This bonus
is specifically for new customers opening a qualifying retirement account, so if you already have an account with E*TRADE, you'll need to
consider one of their other bonus programs.
To qualify for the bonus, you must use promo code RETIRE26, open the eligible retirement account, and deposit or transfer at least $1,000 in new funds or securities within the first 60 days after account opening.
This cash offer from E*TRADE pays out higher bonus amounts for larger deposits, offering greater benefits for those able to deposit more. The cash credit is paid to the same new E*TRADE retirement account where the qualifying deposit was made.
Opening a New Account at E*TRADE
There are specific retirement accounts that qualify for the cash bonus and others that do not. Here’s how you can open an account at E*TRADE:
First, go to the account selection screen. From there, choose one eligible retirement account to open under the promotion.
After selecting the retirement account you want, follow the instructions to complete the application form and enter promo code RETIRE26 to activate the bonus.
E*TRADE Bonus Tiers
The amount of cash bonus you receive depends on the size of your deposits within the first 60 days. These deposits can be cumulative; E*TRADE will total all qualifying deposits of new funds or securities made during the qualifying period to determine your bonus amount.
Here's the breakdown of the E*TRADE IRA bonus offer for each deposit tier:
| E*TRADE Bonus | Deposit or Transfer |
|---|
| $10,000 | $5,000,000+ |
| $6,000 | $2,000,000 - $4,999,999 |
| $5,000 | $1,500,000 - $1,999,999 |
| $3,000 | $1,000,000 - $1,499,999 |
| $1,500 | $500,000 - $999,999 |
| $1,000 | $200,000 - $499,999 |
| $600 | $100,000 - $199,999 |
| $300 | $20,000 - $99,999 |
| $150 | $5,000 - $19,999 |
| $50 | $1,000 - $4,999 |
Additional E*TRADE Bonus Options
The $10,000 IRA cash offer is available for new E*TRADE clients opening one new eligible retirement account. E*TRADE also has other promotions, including a separate brokerage-account offer and a separate savings-account offer.
Under the IRA promotion, the qualifying retirement account must be funded within 60 days. If all terms are met, the bonus is credited to the qualifying retirement account within 7 business days after the 60-day funding period expires.
E*TRADE Promo Eligible Account Types
To qualify for the IRA cash offer, you must open one of the following types of retirement accounts:
- Traditional IRA
- Roth IRA
- Rollover IRA
- Inherited IRA, including Traditional or Roth
- Traditional Individual 401(k)
- Roth Individual 401(k)
- SEP IRA
- SIMPLE IRA
Ineligible Account Types
While several E*TRADE retirement account types are eligible for the IRA cash bonus, some are not. The
following accounts are not eligible for this promotion:
- Business accounts
- Retirement accounts not specifically listed as eligible in the offer terms
- Money purchase pension plans
- Profit sharing plans
- Investment-only non-custodial retirement plan accounts
- Advisory accounts
- E*TRADE Futures accounts
- Morgan Stanley AAA brokerage accounts
- Morgan Stanley Private Bank accounts
E*TRADE IRA Promo Code Terms
To earn the full bonus, you must be a new E*TRADE client opening one new eligible retirement account with promo code RETIRE26.
Deposits must consist of new money or securities from outside E*TRADE. Whether you're transferring stocks and ETFs, funding directly, or transferring a retirement account, the funds cannot come from an existing E*TRADE account. Assets transferred from an existing Morgan Stanley retirement or nonretirement account may also be excluded from the reward calculation at E*TRADE’s discretion.
The deposit used to activate the cash bonus should remain in the account for 12 months, running from the last day of the 60-day funding period. The required value must remain in the account, plus or minus market-related fluctuations.
Read detailed E*TRADE Review
Written by Alex Bost
Updated on 8/31/2026.
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