The New Gold Standard

Supercharge your cash with rates and products usually reserved for the 1% — Only $5/month.

Gold

Watch your cash grow with 4% APY

No minimum balance and up to $2.5 million in FDIC insurance through partner banks – Earn 9x the national savings average.* No cap.

Boost your IRA with Gold

You contribute, we boost. Get a 3% match on eligible IRA contributions.

The only swipe that matters

Invest or earn interest on all that extra cash when redeemed into a Robinhood brokerage account. It’s a win win.

Start trading like a pro

Unlock $1k of interest-free borrowing

Combined with access to industry-leading margin rates (4.7-5.75%).

Icon 1 Risks of Margin disclosures
Move at market speeds

Access up to $50K instant deposits daily.

Icon 2 Disclosures
Dig in deeper

Real-time insights with Nasdaq Level II data and analyst reports from Morningstar.

Icon 3 Disclosures

frequently asked questions

You’ve got questions. We’ve got answers.

How is Robinhood able to offer 9x the national savings average? How does it work?

We're always looking for ways to help our customers make their money work for them. We leverage a network of partner banks to offer you a competitive APY on your uninvested cash. Once you have Gold, all you need to do is opt in to the brokerage cash sweep to have your uninvested brokerage account cash automatically “swept,” or moved, into deposit accounts at a network of program banks to earn interest.

How can you give 10x the FDIC insurance of a standard bank's $250K?

That's easy... we've got 12 partner banks so you can enjoy a combined coverage of up to $2.5 million FDIC insurance across all of them.

How do I earn the 3% IRA Match and when is it paid out?

You can earn the 3% match on all new IRA contributions, up to the contribution limit. The IRA Match will generally be available in your account and ready to invest when your deposits are completed. You must stay subscribed for Gold for one year in order to keep the 3% deposit match. See the IRA Match FAQ for more details about how it works.

How quickly can I move my money from earning interest to making an investment?

Instantly! Your uninvested cash can be used to invest at any time to purchase assets in your brokerage account or IRA.

Discover the value of Gold for only $5/month