Robinhood IRA $225 Bonus

Requirements

• Open a self-directed Robinhood IRA (Robinhood Strategies managed IRAs are not eligible for the contribution match)
• Make eligible annual IRA contributions (up to IRS limits); Gold subscribers earn 3%, others 1%
• For the 3% rate: subscribe to Robinhood Gold ($5/mo) and keep Gold for at least 1 year after the first Gold match
• Hold the assets that earned the match in the IRA for at least 5 years or face an IRA Match Early Removal Fee
• Separate evergreen 1% match also applies to IRA transfers / 401(k) rollovers with no cap (not used as catalog bonusAmount — uncapped %)

Cash you need to float: $7,500

Timeline

1. Maintain the qualifying balance/activity for 1825 days.
2. Keep the account open 1825 days to avoid clawback or early-close fees.

Bonus tiers

• $75 — 1% non-Gold - 2026 under-50 contribution limit $7,500 -> $75 match: park $7,500, hold 1825 days
• $225 — 3% Gold - 2026 under-50 contribution limit $7,500 -> $225 match; age-50+ limit $8,600 -> $258: park $7,500, hold 1825 days

Closing the account (what we verified)

• Bonus clawback risk if closed within 1825 days of the bonus posting.
• Bonus typically posts within 0 days of completing requirements.
• Monthly fee: $5 (waived: Robinhood Gold $5/mo is required only for the 3% contribution match; the 1% match is available without Gold).

Other current bonuses

• E*TRADE IRA $5,000 bonus
• Citi IRA $5,000 bonus
• Citi brokerage $5,000 bonus