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Brokerage · Robinhood
Last verified June 16, 2026

Robinhood IRA

Robinhood doesn't pay a flat sign-up bonus — instead it matches money you put into a Robinhood IRA: 1% on contributions (3% if you pay $5/month for Robinhood Gold) and 1% on IRA transfers or old-401(k) rollovers, with no cap on transfers. A full 2026 contribution ($7,500) earns $75, or about $225 with Gold; a $10,000 rollover adds $100. The match only pays off if you keep the funds in the IRA for five years — otherwise it's clawed back.

The deal

Contribute to or transfer/roll over into a Robinhood IRA — you earn a 1% match automatically, or 3% on contributions with a Robinhood Gold subscription

The walkthrough

  1. 01 Open a Robinhood traditional or Roth IRA in the app.
  2. 02 For the 3% contribution rate, subscribe to Robinhood Gold ($5/month) and plan to keep it at least a year; the 1% rate needs no subscription.
  3. 03 Fund the IRA — contribute up to the 2026 limit, and/or initiate an ACATS transfer or 401(k) rollover for the uncapped 1% transfer match.
  4. 04 Leave the matched funds in the IRA for at least five years so the match vests.

What to watch for

  • ! The match is clawed back via an Early IRA Match Removal Fee if you withdraw the matched funds within five years; the extra 2% from Gold is reversed if you cancel Gold within a year.
  • ! Gold costs $5/month ($50/year), which eats into a small contribution match.
  • ! The match applies only to money you contribute or transfer in — it's not a flat bonus — and IRA contributions are capped by IRS limits.
Editorial note

Offers change frequently. BonusPrimer verifies every bonus monthly, but before you apply, confirm the current terms directly with the issuer. We are not a bank and do not decide approvals. Our methodology →