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How to Transfer an IRA to Robinhood in 2026
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How to Transfer an IRA Account to Robinhood
• It’s really easy to move an IRA to Robinhood.
• Robinhood does not charge a fee for incoming IRA transfers.
• Robinhood has user-friendly software on its website and mobile app for electronic account transfers.
Thanks to Robinhood’s intuitive digital tools, it’s really easy to move an Individual Retirement Account (IRA) from another investment firm. To make the switch, just follow our straightforward guide.
Getting into Robinhood
Robinhood participates in the Automated Customer Account Transfer Service (ACATS). This fully electronic network is easy to use, and if you follow the guidelines below, your old IRA should arrive at Robinhood within several business days.
First Step: The first task is to
open a new brokerage IRA at Robinhood. Robinhood requires an individual investing account in good standing before you can open an IRA. The new IRA needs to have the same tax treatment as the old IRA (Roth or Traditional) and must have the same account owner. An existing IRA at Robinhood can be used as long as these two conditions are met. Robinhood does not offer SEP IRAs or custodial IRAs for minors.
To open a Robinhood IRA, go to Retirement and select Get started in the mobile app or on web classic. During the application, be sure to select the correct IRA type (Traditional or Roth). You can also choose between a self-directed IRA and an IRA managed by Robinhood Strategies.
Second Step: While the IRA application is pending, you’ll want to go to the old investment firm and get the IRA ready for the upcoming move. Robinhood does not support many asset classes that may be available at the outgoing firm. Possibilities include mutual funds, annuities, bonds, foreign-domiciled stocks, and unsupported closed-end funds or OTC stocks. These positions will have to be liquidated, transferred to a second IRA at the outgoing firm, or simply left in the old IRA in a partial transfer. Although Robinhood does offer crypto trading, digital currencies cannot be traded in a Robinhood IRA or transferred through ACATS.
Third Step: The IRA at Robinhood should be set up correctly as well. This means adding options trading if you have any contracts coming over. Options contracts expiring within 7 days cannot be transferred into Robinhood.
Fourth Step: With both IRAs set up and ready to go, now is the time to request the ACATS transfer. This will be handled on the Robinhood side. Go to Retirement and select Menu (3 bars) or Settings (gear icon). Under Actions, select Transfer in an external IRA.
Follow the on-screen prompts to select the type of transfer (Traditional or Roth IRA) and the brokerage firm you’re transferring from. In fact, the outgoing IRA could be either a brokerage or managed account, as long as all of the applicable transfer rules are followed. Enter the requested account details to submit the transfer. Robinhood may also give you the option to connect directly to the brokerage where you have the external IRA to submit the transfer request.
An ACATS transfer request can also be made on Robinhood’s mobile app. Go to Retirement, select Menu (3 bars) or Settings (gear icon), and under Actions select Transfer in an external IRA. Follow the prompts to choose the IRA type and the brokerage firm and then submit the transfer request.
Fifth Step: Robinhood matches eligible self-directed IRA transfers with a 1% bonus. Log in after the transfer is complete and check your transaction history to make sure the match has been credited. Gold customers also receive a 3% match on eligible annual IRA contributions. The assets that earn an IRA match generally must remain in the Robinhood IRA for at least 5 years to avoid a potential Early IRA Match Removal Fee.
If you have any questions or need assistance, contact Robinhood Support through the Robinhood app or website.
Robinhood Promotion
Free stock worth up to $200 and 2% match when you open an account.
Transfer Cost
Robinhood doesn’t impose a fee on incoming transfers. It will reimburse another firm’s outgoing ACATS fee, up to $75 for transfers of at least $7,500 in eligible equity, options, and cash assets.
How Long Does an ACAT Transfer Take?
Moving an IRA from one securities firm to Robinhood through ACATS typically takes about 5 to 7 business days after Robinhood receives the transfer request.
Robinhood’s Retirement Recommendations
An IRA transferred to Robinhood can be held as either a self-directed brokerage IRA or a Robinhood Strategies managed IRA. Robinhood Strategies is an SEC-registered investment adviser that offers ongoing portfolio management for managed IRAs. Robinhood also offers a one-time first-trade recommendation to eligible new investors who have not yet placed a securities trade on Robinhood. These one-time recommendations are available only through the mobile app and are separate from Robinhood Strategies.
Written by Alex Bost
Updated on 8/12/2026.
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