Robinhood Promotion Details
This is a limited-time Robinhood promo. When you sign up with the brokerage, the firm will grant you
a random reward amount between $5 and $200. Then, you can pick from a list of available companies to use that
voucher to claim stock, and you won’t even need enough to buy an entire share because Robinhood offers fractional-share investing.
Company options rotate but include some of America’s top stocks, such as Apple, Tesla, and Microsoft.
You’re eligible to sell the stock or fractional share 3 trading days after claiming it. If you sell the reward stock, you can use the proceeds for other investments right away, but you must keep the cash value of the reward in your account for at least 30 days after claiming it before withdrawing that cash.
If you’re already a customer, you are eligible for the free stock Robinhood referral promotion. If
you refer a friend, you can both get gift stock. You can refer multiple friends and receive up to $1,500 in free stock each year. Your friends must sign up, get approved, and link a bank account or debit card. That’s it!
Robinhood IRA Bonus
Robinhood IRA Promo Explained
The Robinhood IRA promotion is an offer where Gold members can earn a 3% match on eligible annual contributions, while non-Gold customers can earn a 1% match on annual contributions. IRA transfers and old 401(k) rollovers into self-directed IRAs earn a 1% match, with or without Gold.
Does this mean Robinhood is giving out free money? Yes, but there are, of course, rules and limitations. For example, you have to hold the IRA assets that earned the match in your IRA for at least 5 years or Robinhood may charge an early IRA match removal fee. Gold members must also keep Gold for at least 1 year after receiving their first Gold match to keep the full Gold match. Continue reading to get all the details and the most important questions about the promotion answered.
Who is Eligible for the Robinhood IRA Promotion?
Both new and existing Robinhood customers are eligible for the Robinhood IRA promotion. Robinhood offers Traditional and Roth IRAs, and contributions into either type of self-directed IRA are eligible for the matching promotion. Whether you are eligible to contribute to a Roth IRA or Traditional IRA and figuring out which account is better for you depends on IRS rules and income limits for each type of IRA.
If you are not sure which IRA type you are eligible for or which account would be better for you, Robinhood does include a comparison guide and information about income limits to help you figure out the right type of IRA for you when you are going through the process of getting a new IRA set up.
How Does the Robinhood IRA Promotion Work?
Whether you are an existing Robinhood customer or a brand-new Robinhood customer, your first step is to open an IRA. You can open one Roth IRA and one Traditional IRA with Robinhood. You can easily open an IRA in the Robinhood app by tapping the menu icon with the two overlapping rings, as seen in the screenshot below.
Your next step is to make sure you have a funding source available. Eligible annual contributions can be made from a linked external bank account or from a self-directed Robinhood individual or joint investing account. You can also use a Robinhood Banking account by first moving funds to your individual or joint investing account and then moving them into the IRA.
Once you have your Robinhood IRA(s) opened and a funding source ready, simply start making contributions to your IRA account. You can do one-time transfers, or you can set up recurring transfers. Whether you contribute the full annual maximum amount in one transfer or you make contribution amounts throughout the year that only add up to $2,000, you will receive a 1% match in your Robinhood IRA, or a 3% match on eligible annual contributions if you have Robinhood Gold.
You don’t have to do anything special to claim the match reward. The cash shows up directly in your IRA account automatically. You’ll usually receive your match right away after your deposits settle, although the exact timing depends on the type of deposit.
5-Year Contribution Holding Period
For each contribution that earns you a match, you have to keep the assets that earned the match in your IRA for at least 5 years after the date of the contribution to keep the full match. Let’s take a look at an example.
Let’s say you contribute $5,000 to your Robinhood IRA on January 31, 2026, and you get a $50 match reward. Then, your IRA account value grows to $8,000 later that year. At that time, you have an emergency come up and need to withdraw $2,000 from your account, leaving your total IRA balance at $6,000. Because you still have at least your $5,000 original contribution plus the $50 match in your IRA, you will continue to keep your $50 match reward. However, if you were to then transfer that remaining $6,000 out of Robinhood any time before meeting your original contribution’s 5-year holding period on January 31, 2031, you could forfeit the match reward.
Other Details About Robinhood Sign Up Bonus
The IRA match at Robinhood doesn’t count toward your annual IRA contribution limit. Robinhood
states that the match cash reward is treated as interest income within your IRA. Therefore, the match amount is not reportable on a 1099-INT for the tax year that you receive it. Robinhood recommends consulting with a tax advisor; however, they say that the match reward amounts generally would be taxable when taking a distribution from your IRA.
Written by Alex Bost
Updated on 9/28/2026.
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