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 new customers. To earn the full amount, a sizable deposit is required, but the tiered rewards system means accounts of many sizes can benefit. Keep reading for more details.
E*TRADE IRA Bonus Details
The E*TRADE $10,000 cash offer is open to new clients who open and fund a new eligible retirement account at E*TRADE. This bonus
is specifically for a new eligible retirement account, and the current retirement promo code is RETIRE26.
To qualify for the bonus, you must make your deposits within the first 60 days of opening your account and you must open a qualifying retirement account (we’ll cover those details below).
This cash offer from E*TRADE pays higher bonus amounts for larger deposits, giving greater rewards to investors who can move more money. There are also separate E*TRADE offers for other account categories, but this page is focused on the retirement offer.
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 retirement-account selection screen. From there, choose the retirement account type you want to open.
After selecting the account type, 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 made during the funding period to determine your bonus amount.
Here's the breakdown of the E*TRADE 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 retirement cash offer is specifically for one newly opened eligible retirement account. E*TRADE may have other promotions for other account categories, but this retirement offer applies only to one new eligible retirement account opened and funded under the current promotion terms.
Once the 60-day qualification period is completed, the bonus is credited to the qualifying retirement account within 7 business days, assuming all conditions are met.
E*TRADE Promo Eligible Account Types
To qualify for the cash offer, you must open one of the following types of accounts:
- Traditional IRA
- Roth IRA
- Rollover IRA
- Inherited IRA (Traditional or Roth)
- Traditional Individual 401(k)
- Roth Individual 401(k)
- SEP IRA
- SIMPLE IRA
Ineligible Account Types
While several retirement account types at E*TRADE are eligible for the cash bonus, some are not. The
following accounts are not eligible for this promotion:
- Business accounts
- Retirement accounts not explicitly listed as eligible
- Money purchase pension plans
- Profit sharing accounts
- 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 client opening one new eligible retirement account.
Deposits must consist of new funds or securities from accounts outside of E*TRADE. Whether you're transferring stocks and ETFs, funding directly, or moving a retirement account, the assets cannot come from an existing E*TRADE account.
The deposit used to activate the cash bonus must remain in the account for at least 12 months, beginning from the end of the 60-day funding period. While it's necessary to maintain the deposit value for this period, market fluctuations in the transferred assets do not by themselves reduce eligibility.
Read detailed E*TRADE Review
Updated on 4/22/2026.
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