Public vs Robinhood bonus (October 2026)
Side-by-side current offers, holding periods and rates.
| Broker | Offer | Bonus | Min deposit/transfer | Holding period | Expiry | Cash rate | Base margin | Status | Last checked |
|---|---|---|---|---|---|---|---|---|---|
| Public | ACATS/IRA/401k transfer match | 1% of transferred value, uncapped, paid in up to 60 monthly installments, no clawback | 5 years (payout spread) | No end date posted | 3.30% APY (High-Yield Cash Account) | 5.15% | Verified | 2026-10-20 | |
| Robinhood | IRA contribution match | 3% match on annual IRA contributions with Gold ($5/mo) or 1% without; 1% match on IRA transfers/old 401(k)s, no cap | Hold assets 5 years; keep Gold at least 1 year after Gold match | No end date stated | 3.6% APY with Gold (0% without) | 5.25% | Verified | 2026-10-20 | |
| Robinhood | Sign-up free stock | 'Your first stock is even on us' (terms apply) | 3.6% APY with Gold (0% without) | 5.25% | Partly verified | 2026-10-20 |
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