You can withdraw money from Robinhood to a bank account through the app or website once the cash is actually available to withdraw.
A standard bank transfer (ACH) has no Robinhood fee. Instant withdrawals to an eligible bank or debit card cost 1.75% (minimum $1, maximum $150 per transfer).
The process is simple. What trips people up is timing. Selling a stock, depositing cash, and seeing buying power are not the same as having withdrawable cash.
This guide walks through the steps, fees, wait times, limits, and the holds that most often block a transfer.
Table of Contents
How to withdraw money from Robinhood to a bank account
You need three things first:
- A verified Robinhood account
- A linked U.S. bank account in your name
- Enough withdrawable cash (not just portfolio value or buying power)
Robinhood recommends linking a checking account rather than a savings account. Some savings accounts limit ACH activity and can reverse transfers.
To link a bank, go to Account, then Transfers, then Linked Accounts, then Add account. You can connect through Plaid or enter your routing and account numbers and confirm two small test deposits.
Check your withdrawable cash first
Open Transfers before you start. Robinhood shows the amount you can send right now.
That number can be lower than your cash balance or account value because of:
- Trades that have not settled
- Recent deposits that have not cleared
- Pending orders
- Margin or options collateral
- Account restrictions
- Referral stock that is still locked
If you just sold shares, wait for settlement. U.S. stock, ETF, and options sales settle on the next trading day (T+1). Sell on Tuesday and the proceeds usually become withdrawable cash on Wednesday, unless the market is closed.
Recent ACH deposits are a separate issue. Robinhood’s funds-availability rules say ACH deposits must remain in the account for at least five business days after settlement before you can withdraw them. You may be able to trade sooner than you can cash out.
Withdraw from the Robinhood app
- Open the app and tap Account (the person icon).
- Tap the menu (three bars).
- Tap Transfers, then Withdraw.
- Enter the amount.
- Choose the Robinhood account you are sending from (investing, retirement, or another eligible account).
- Choose your linked bank. If the bank qualifies, you will see Instant transfers eligible next to it.
- Review the destination, timing, and any fee.
- Tap Transfer or Withdraw.
Use the standard bank option if you can wait. That transfer is free.
Withdraw on the Robinhood website
- Sign in at robinhood.com.
- Open Account, then Transfers (or Transfer money).
- Enter the amount.
- Choose the Robinhood account you are sending from.
- Select your linked bank.
- Review fees and timing.
- Confirm the transfer.
Instant bank withdrawals depend on an eligible Plaid-linked bank and your account limits. If that option does not appear, use a standard ACH transfer.
Standard ACH, instant transfer, or wire
Pick the method based on speed and cost, not just convenience.
| Method | Typical Robinhood fee | Typical timing | Best for |
|---|---|---|---|
| Standard bank transfer (ACH) | $0 | Robinhood usually starts it in 1 business day; your bank may take longer. Plan on a few business days, up to about 5. | Everyday withdrawals |
| Instant bank transfer (RTP) or debit card | 1.75% (min $1, max $150), taken from the amount you request | Often about 10 to 30 minutes | Small, urgent amounts |
| Outgoing domestic wire | $25 (waived for Robinhood Concierge) | Often same day if submitted before 4 p.m. ET | Larger amounts when you need the money today |
Official transfer ranges also vary by account. Robinhood lists standard ACH withdrawals up to $250,000, debit-card withdrawals up to $15,000, and real-time payments withdrawals up to $50,000. Your personal caps can be lower. Check Transfers, then transfer limits.
How the instant fee works
The fee comes out of the amount you asked to send.
If you request $100 as an instant withdrawal, Robinhood deducts 1.75% and sends $98.25. The fee cannot be lower than $1 or higher than $150 on one transfer.
That $150 cap means a large instant withdrawal is expensive in dollars, even if the percentage is capped. A $10,000 instant transfer can cost the full $150. The same $10,000 by standard ACH costs $0 if you can wait.
Instant withdrawals are not available for Robinhood Strategies managed accounts. Instant bank transfers also cannot be canceled after you submit them.
If the bank does not confirm an instant withdrawal within 24 hours, Robinhood says the request expires and no fee is charged.
How long a Robinhood withdrawal takes
Timing has two layers: when cash becomes withdrawable, then how long the bank transfer takes.
After you sell an investment
Stock, ETF, and options proceeds generally become withdrawable cash on the next trading day (T+1). Crypto sold on Robinhood is treated differently from stocks; check withdrawable cash in the app rather than assuming it matches a stock sale.
After you deposit money
Instant buying power does not mean you can withdraw that deposit. ACH deposits often need several business days, and Robinhood’s availability policy requires at least five business days after settlement before withdrawal.
After you request the transfer
- Standard ACH: Robinhood processes it in about one business day. Your bank then posts it on its own schedule.
- Instant bank or debit card: often minutes, sometimes up to about 30 minutes.
- Wire: typically same day if you submit it before the cutoff.
Weekends and bank holidays do not count as business days. A Friday afternoon ACH request may not land until the following week.
Robinhood Strategies accounts can take longer. If you withdraw more cash than the account holds, the manager may sell investments first. That can add about two to three days.
Withdrawal limits and the 60-day bank rule
Limits are account-specific. They also stack across investing, spending, and retirement accounts.
Standard ACH daily limits reset each business day at 7 p.m. ET. Instant bank and debit-card limits reset each calendar day at 12 a.m. ET.
For 60 days after a deposit, Robinhood may require extra verification if you try to send money to a different bank than the one that funded the deposit.
If the original account is closed, contact Robinhood Support. You may need an ID photo, statements for both banks, and a short explanation.
You also generally cannot pull money from a Robinhood Banking checking or savings account to an outside bank inside the main investing app.
Start that transfer in the Robinhood Banking app instead. Moves between your Robinhood investing account and Robinhood Banking are internal and are usually instant.
Why a withdrawal fails
Most failed transfers come down to one of these:
- You are trying to send more than your withdrawable cash.
- A stock sale has not settled.
- A recent deposit is still on hold.
- You hit a daily limit.
- You chose a different bank than the deposit source within 60 days.
- The account has a restriction banner.
- The linked bank does not accept the transfer type, or a savings account reversed the ACH.
If a banner appears in the app, deal with that first. Support can help if the original bank is closed or the restriction will not clear.
How to cancel a pending withdrawal
You can often cancel a standard ACH transfer while it is still pending:
- Tap Account, then the menu, then History.
- Open the pending bank withdrawal.
- Tap Cancel transfer.
You cannot cancel an instant bank or debit-card withdrawal after it starts. Standard ACH cancellations also stop once Robinhood has sent the request to your bank. Cutoffs vary by the time of day you submitted it. After that, wait for the money to arrive, then send it back if you made a mistake.
What to do next
If you do not need the cash immediately, use a standard ACH withdrawal. Confirm withdrawable cash, send the transfer, and give your bank a few business days.
If you need the money today, compare the instant fee with a $25 wire. For a few hundred dollars, instant can be cheaper. For a large amount, a wire or a free ACH transfer is usually the better math.
After you submit, watch History for status updates and check your bank in one to two business days for a standard transfer.
FAQs: How to Withdraw Money from Robinhood to a Bank Account
Q. Can I withdraw money from Robinhood the same day I sell stock?
A. Usually no for a standard cash-out. Stock, ETF, and options sales settle on the next trading day (T+1). After that, a standard ACH transfer still needs time to reach your bank. Instant withdrawals only work if the cash is already withdrawable and your bank or card qualifies.
Q. Is there a fee to withdraw money from Robinhood to a bank account?
A. Standard ACH withdrawals have no Robinhood fee. Instant withdrawals to an eligible bank or debit card cost 1.75%, with a $1 minimum and $150 maximum per transfer. Outgoing domestic wires cost $25 unless you have Concierge pricing.
Q. Why is my Robinhood withdrawal pending or lower than my balance?
A. Withdrawable cash can exclude unsettled trades, recent ACH deposits, pending orders, collateral, and restricted funds. Open Transfers and use the withdrawable amount shown there, not your total portfolio value.
Q. Can I send a Robinhood withdrawal to a bank I did not deposit from?
A. Sometimes, but not always right away. For 60 days after a deposit, Robinhood may ask for extra documents if the destination bank is different. If the original account is closed, contact Support instead of retrying the same transfer.
Conclusion
The reliable way to withdraw money from Robinhood to a bank account is a free standard ACH transfer after your cash is withdrawable. Instant transfers and wires exist when speed matters, but they cost extra.
Check withdrawable cash, confirm the destination bank, review any fee, and then submit. If the transfer is blocked, the cause is usually settlement, a deposit hold, a limit, or the 60-day source-bank rule, not a missing button.
Disclaimer: This article is general educational information about Robinhood’s publicly described U.S. transfer process. Fees, limits, eligibility, settlement times, and holds can change and vary by account. It is not investment, tax, or legal advice. Confirm current steps, fees, and available cash in your Robinhood app or on Robinhood’s official support pages before you transfer money.
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