Robinhood’s withdrawal limit is $50,000 per business day via ACH or wire. ACH withdrawals are free and take 2–5 business days. Wire withdrawals cost $25 and arrive same day. The most common withdrawal delay isn’t the limit — it’s settlement: stock and options proceeds can’t be withdrawn until T+1 (next business day after the sale).
See the Robinhood overview for deposit limits and fees.
Withdrawal Methods and Limits
| Method | Daily Limit | Fee | Speed |
|---|---|---|---|
| ACH to linked bank | $50,000 | Free | 2–5 business days |
| Wire transfer | $50,000 | $25 | Same day (if before cutoff) |
| ACAT to another brokerage | No stated daily limit | Free | 5–7 business days |
| IRA direct rollover | No stated limit | Free | 5–7 business days |
Settlement Rules: When Can You Withdraw?
Before you can withdraw, the funds must be settled. This applies to:
| Asset | Settlement | Withdrawal Available |
|---|---|---|
| Stocks sold | T+1 | Next business day after sale |
| ETFs sold | T+1 | Next business day after sale |
| Options closed | T+1 | Next business day after close |
| Crypto sold | Same day | Immediately available for ACH |
| Cash (already in account) | Settled | Immediately |
| ACH deposit (instant portion) | Not settled | Cannot withdraw until ACH clears |
T+1 means trade date plus one business day. If you sell shares on Monday, proceeds are available to withdraw on Tuesday. Friday sells are available Monday.
Common Withdrawal Issues
“Funds not available” after selling
Your sale proceeds are unsettled until T+1. You can reinvest immediately, but you cannot withdraw until the next business day.
ACH deposit hold
If you used instant deposit funds to buy securities and then sold them, those proceeds may remain restricted until the original ACH deposit fully clears (up to 5 business days). This is a good faith violation situation — see Robinhood instant deposit for details.
Margin account hold
If you have a margin balance (Gold members), you cannot reduce your cash below the margin maintenance requirement. Resolve or reduce your margin position before attempting a large withdrawal.
Account restriction
Robinhood may place temporary holds on withdrawals during account reviews triggered by unusual activity, large incoming deposits, or suspected security events. These typically resolve within 1–3 business days.
How to Wire Money Out of Robinhood
- In the app: tap Account → Transfers → Transfer to Your Bank → Wire Transfer
- Add your bank’s routing number and account number
- Enter the withdrawal amount (max $50,000/day)
- Confirm — wire is sent same day if submitted before the cutoff (~2 PM ET, weekdays only)
- Your bank should receive funds within 1 business day
Cost: $25 outgoing wire fee. Incoming wires are free.
For large withdrawals, consider whether a free ACH withdrawal (2–5 days) vs. a $25 wire (same day) is worth it. On a $50,000 withdrawal, the $25 fee is 0.05% — often worth it for the speed.
ACAT Transfer to Another Brokerage
To move your Robinhood account to Fidelity, Schwab, or another brokerage:
- Initiate the ACAT at the receiving brokerage (not Robinhood)
- Provide your Robinhood account number (found in Account → Investing → Account Number)
- Robinhood does not charge an outgoing ACAT fee
- Transfer completes in 5–7 business days
- Fractional shares must typically be sold before transfer — check with the receiving brokerage
IRA transfers: Done as trustee-to-trustee direct transfers. Initiate at the receiving institution. No tax consequences. Takes 5–10 business days.
Robinhood Withdrawal Comparison
| Broker | Daily ACH limit | ACH fee | Wire fee | Wire speed |
|---|---|---|---|---|
| Robinhood | $50,000 | Free | $25 | Same day |
| Fidelity | $100,000 | Free | Free | Same day |
| Schwab | $100,000 | Free | $25 | Same day |
| Webull | $50,000 | Free | $25 | Same day |
| Vanguard | $100,000 | Free | Free | 1–2 days |
Fidelity and Vanguard both waive outgoing wire fees — a meaningful advantage for users who regularly move large sums. Robinhood’s $25 wire fee is average for the industry.
For the full fee breakdown, see Robinhood fees.
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