How to Withdraw Cash From Your Robinhood Account

Moving money out of Robinhood to your bank account

To withdraw cash from Robinhood, you transfer money from your Robinhood account to a linked bank account. The process takes three to five business days once you initiate it. Robinhood does not charge a fee for withdrawals, but your bank may charge a fee for receiving an incoming transfer — check your bank's policy first.

You can only withdraw cash that is settled and available. If you sold a stock today, that money is not available to withdraw until the settlement date, which is typically two business days later. Unsettled cash cannot leave your account, and you cannot use it to buy new investments until it settles.

The amount you can withdraw depends on your account type and whether you have any outstanding margin debt. If you use Robinhood Gold (the margin lending feature), you may have restrictions on how much you can withdraw if you have borrowed money. Standard cash accounts have no withdrawal limits beyond the cash you actually hold.

Key Takeaways

• Withdrawals take three to five business days to reach your bank account after you request them through the Robinhood app or website.
• Only settled cash can be withdrawn — money from stock sales takes two business days to settle before you can move it out.
• You must have a bank account linked to your Robinhood account before you can start a withdrawal.
• Robinhood charges no withdrawal fee, but your bank may charge a fee for receiving the transfer.

Link a bank account before your first withdrawal

Robinhood needs to know where to send your money. Open the Robinhood app or go to robinhood.com, then navigate to your Account settings. Look for the Banking or Transfer section — the exact name varies slightly depending on whether you are on mobile or desktop.

Select "Link a bank account" and enter your bank's routing number and your account number. You can find both on a check, or log into your bank's website to locate them. Robinhood will verify the account by depositing two small amounts (usually under $1 each) into your bank account within one to two business days.

Once those deposits arrive, go back to Robinhood and confirm the two amounts. This verification step proves you own the bank account. After confirmation, your bank account is linked and ready for withdrawals. You only have to do this once per bank account.

Start a withdrawal through the app or website

Open Robinhood and tap or click the Account icon (usually at the bottom right on mobile, or in the top menu on desktop). Select "Transfers" or "Banking," then choose "Withdraw." The app will show you how much cash is available to withdraw right now.

Enter the amount you want to withdraw. Robinhood will confirm which linked bank account the money will go to. Review the details and confirm the withdrawal. You will see a confirmation message with an estimated arrival date, usually three to five business days out.

The withdrawal request is now in progress. You do not need to do anything else. The money will arrive in your bank account automatically on or before the date shown. If you change your mind before the money leaves Robinhood, you can cancel the withdrawal from the same Transfers screen.

What happens if you have unsettled cash

When you sell a stock or close a position, Robinhood marks that cash as "pending" or "unsettled." It sits in your account but is not available to withdraw or spend. The settlement period is two business days for most stock and options sales, though some transactions may take longer.

If you try to withdraw before settlement is complete, Robinhood will show you only the settled amount available. The unsettled cash will become available after the settlement date passes. You can check your settlement dates in the Transfers section of your account — Robinhood lists when each pending deposit or sale will settle.

Weekend and holiday delays can push settlement dates back. If you sell on a Friday, settlement may not complete until Tuesday. Plan ahead if you need the money by a specific date.

Withdrawals with a margin account (Robinhood Gold)

If you have Robinhood Gold and have borrowed money through margin, your withdrawal options are limited. You can only withdraw cash that exceeds your margin requirement. Robinhood calculates this automatically and shows you the maximum withdrawal amount in the withdrawal screen.

If you want to withdraw more, you must first pay back some or all of your margin debt. The easiest way is to deposit more cash into your account, which increases your available withdrawal amount. Alternatively, you can sell investments to raise cash and use it to pay down the borrowed amount.

Robinhood will not let you complete a withdrawal that would leave you below your margin requirement. This protects you from accidentally triggering a margin call, which forces Robinhood to sell your positions to cover the debt.

Troubleshooting slow or missing withdrawals

Most withdrawals arrive within three to five business days. If yours has not arrived after five business days, check your Robinhood account first. Go to Transfers and look for the withdrawal in your history. If it shows "completed" or "sent," the delay is likely on your bank's end — contact your bank to confirm they received it.

If the withdrawal still shows "pending" in Robinhood after five business days, take a screenshot and contact Robinhood support through the app. Tap Account, then Help, then select your issue. Robinhood's support team can investigate whether the transfer was blocked or delayed.

Some banks flag incoming transfers from investment platforms as suspicious and hold them for review. If this happens, your bank will contact you. Confirm to your bank that you authorized the transfer, and they will release the funds. This usually adds one to two extra days.

Frequently Asked Questions

Can I withdraw money the same day I sell a stock?

No. Stock sales settle two business days after the sale. You cannot withdraw that cash until settlement is complete. If you sell on a Monday, the cash settles on Wednesday and can be withdrawn starting Wednesday. Weekend and holidays extend this timeline.

What if I do not have a linked bank account?

You must link a bank account before you can withdraw. Open your Account settings, find the Banking section, and follow the verification steps. It takes one to two business days for the verification deposits to arrive, then another day or two to confirm them. Plan for three to four days total before your first withdrawal is possible.

Does Robinhood charge a fee to withdraw?

Robinhood does not charge a withdrawal fee. However, your bank may charge a fee for receiving an incoming transfer. Check your bank's fee schedule or contact them to confirm whether they charge for ACH transfers from other financial institutions.

Can I withdraw to a different bank account than the one I used to deposit?

Yes. You can link multiple bank accounts to Robinhood and choose which one receives each withdrawal. Link the new account through your Account settings, complete the verification process, then select it when you start a withdrawal.

What is the maximum amount I can withdraw?

You can withdraw any amount up to your available cash balance. There is no daily or monthly limit set by Robinhood. Your bank may have its own limits on incoming transfers — check with them if you are withdrawing a large amount.