Robinhood is the brokerage that made $0 commissions the industry standard. Today it offers stocks, ETFs, options, crypto, IRAs with matching contributions, and a cash management account — all with no minimums and no account fees. Robinhood Gold ($5/month) adds 4.5% APY on cash and a 3% IRA match, making it the only major brokerage with a retirement contribution match.
Robinhood at a Glance
| Feature | Standard | Robinhood Gold ($5/mo) |
|---|---|---|
| Stock/ETF commissions | $0 | $0 |
| Options per contract | $0.65 | $0 |
| APY on uninvested cash | 1.5% | 4.5% |
| IRA contribution match | 1% | 3% |
| Instant deposit limit | $1,000 | $5,000–$50,000 |
| Morningstar research | No | Yes |
| Level 2 market data | No | Yes |
| Margin rate | Variable (~10%+) | ~8% |
| Account minimum | $0 | $0 |
What Robinhood Offers
Zero-Commission Trading
Robinhood offers $0 commissions on stocks and ETFs. Standard accounts pay $0.65 per options contract (Robinhood Gold eliminates this). Crypto trading is commission-free but subject to a spread. There are no account fees, no inactivity fees, and no minimum balance requirements.
IRAs With a Contribution Match
Robinhood offers Traditional and Roth IRAs with a contribution match — the only major brokerage to do so:
- Standard: 1% match on every dollar you contribute
- Gold: 3% match on every dollar you contribute
The 2026 IRA contribution limit is $7,000 ($8,000 if age 50+). At 3% Gold match, that’s up to $240 in free money annually on a maxed Roth IRA.
Fractional Shares Starting at $1
Fractional shares are available for thousands of US stocks and ETFs, with a $1 minimum investment. This allows fully diversified portfolios without needing to buy whole shares of high-priced stocks.
Robinhood Gold — 4.5% APY on Cash
Uninvested cash in a Gold account earns 4.5% APY through Robinhood’s cash sweep program (standard accounts earn 1.5%). As of 2026, 4.5% is competitive with most high-yield savings accounts.
Crypto
Robinhood supports 20+ cryptocurrencies including Bitcoin, Ethereum, and Dogecoin. Crypto is held by Robinhood Crypto, LLC — not SIPC-insured, but separately insured. Crypto can be withdrawn to an external wallet.
Limits Summary
| Transfer Type | Standard | Gold |
|---|---|---|
| Instant deposit | $1,000 | $5,000–$50,000 |
| ACH withdrawal/day | $50,000 | $50,000 |
| Wire withdrawal/day | $50,000 | $50,000 |
| Wire fee | $25 | $25 |
| Stock settlement | T+1 | T+1 |
Robinhood Guides
- Robinhood Fees 2026 — full fee schedule including options, margin, wire, and how to pay less
- Robinhood Review 2026 — pros, cons, and who Robinhood is best for vs. Fidelity, Schwab, and Webull
- Robinhood Gold 2026: Is It Worth It? — 4.5% APY, 3% IRA match, $0 options fees, and the break-even analysis
- Robinhood Instant Deposit Limit 2026 — standard vs. Gold limits and how to access funds faster
- Robinhood Withdrawal Limits 2026 — daily ACH and wire limits, settlement rules, and common delays
- Is Robinhood Safe? — SIPC coverage, PFOF disclosure, account security, and scam prevention
- Robinhood vs Webull 2026 — side-by-side comparison of features, fees, and tools
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