How to Withdraw Money From Your Robinhood Account

You can withdraw cash from Robinhood to your linked bank account in one to three business days

To move money out of Robinhood, you transfer it from your brokerage account to a bank account you have already linked to your Robinhood profile. The process takes place entirely within the Robinhood app or website — you do not need to contact customer support unless something goes wrong. Most transfers complete within one to three business days, though the exact timing depends on your bank and whether you are transferring on a weekday or weekend.

Before you can withdraw, you must have a linked bank account on file. If you have not done this yet, you will need your bank's routing number and your account number, which you can find on a check or in your bank's app. Robinhood uses Automated Clearing House (ACH) transfers, the same system banks use to move money between accounts.

Key Takeaways

• Withdrawals from Robinhood go to a bank account you have already linked through the app, and take one to three business days to arrive.
• You can only withdraw cash that is sitting in your account — you must sell any stocks, options, or crypto first if you want that money out.
• Robinhood does not charge a fee to withdraw, but your bank may charge a fee if you exceed a certain number of transfers per month.
• If you have unsettled trades (cash from a sale that has not yet cleared), you cannot withdraw that money until the settlement period ends, usually two business days after the sale.
• Withdrawals initiated on weekends or after 4 p.m. Eastern Time on weekdays will not process until the next business day.

How to start a withdrawal through the Robinhood app

Open the Robinhood app and tap the account icon in the bottom right corner. Select "Transfers" from the menu. You will see two options: "Transfer money in" and "Transfer money out." Tap "Transfer money out."

The app will show you how much cash is available to withdraw. Enter the amount you want to move to your bank account. Robinhood will then ask you to confirm which linked bank account should receive the money. If you have only one bank account linked, it will be selected automatically. If you have multiple accounts linked, choose the one where you want the money to land.

Review the details one more time and confirm the transfer. You will see a confirmation screen with a reference number. Robinhood will also send you an email confirming the withdrawal request. At this point, the transfer is in the queue and will process during the next business day window.

Selling investments before you can withdraw the cash

If your money is tied up in stocks, exchange-traded funds (ETFs), options, or cryptocurrency, you must sell those positions first. The cash from the sale will then sit in your account as available balance, and you can withdraw it using the steps above.

When you sell a stock or ETF on Robinhood, the cash does not become available immediately. Instead, it enters a settlement period that typically lasts two business days. During this time, the trade is being finalized on the exchange's end. You cannot withdraw unsettled cash, and you cannot use it to buy other investments either (though Robinhood's margin feature may let you trade on unsettled funds if you have that enabled — this is a separate setting).

Cryptocurrency and options have different settlement rules. Crypto sales settle immediately and can be withdrawn right away. Options trades settle one business day after the sale. If you are unsure whether a particular sale has settled, check your account history in the app — it will show the settlement date next to each transaction.

Understanding timing and business day rules

Robinhood processes withdrawal requests during business hours on weekdays. If you request a withdrawal after 4 p.m. Eastern Time on a weekday, or at any time on a weekend or holiday, your request will not enter the queue until the next business day at 9:30 a.m. Eastern Time.

Once your request enters the queue, Robinhood sends it to your bank via ACH. Most banks complete ACH transfers within one to three business days. Some banks are faster — certain large banks may credit the money the same day or next day. Smaller banks or credit unions sometimes take the full three days. You can check your bank's typical ACH processing time by calling customer service or looking at your bank's website.

Weekends and federal holidays do not count as business days. If you withdraw on a Friday afternoon, the clock does not start until Monday morning. If you withdraw on a Monday and your bank takes three business days, the money will arrive by Thursday at the latest.

Linked bank accounts and adding a new one

You can only withdraw to a bank account that is already linked to your Robinhood profile. Robinhood requires that the account be in your name — you cannot withdraw to someone else's account.

To add a new bank account, go to the Transfers section and select "Add a bank account." Robinhood will ask for your bank's routing number, your account number, and the account type (checking or savings). You can find this information on a check or in your bank's mobile app.

After you enter the information, Robinhood will send two small test deposits to your bank account — usually less than one dollar each. Your bank will show these deposits in your account within one to two business days. You will then need to log back into Robinhood and confirm the amounts of these test deposits to verify that you own the account. Only after this verification is complete can you withdraw to that account.

Fees and limits on withdrawals

Robinhood does not charge a fee to withdraw money from your account. The transfer is free on Robinhood's end.

However, your bank may charge a fee if you exceed a certain number of ACH transfers per month. Federal Regulation D historically limited savings accounts to six transfers per month, though this rule was suspended in 2020 and many banks have not reinstated it. Check with your bank about their transfer limits — some banks still enforce limits, while others have removed them entirely. If your bank does charge a fee, it will appear on your bank statement, not in Robinhood.

There is no minimum withdrawal amount, though some banks may have their own minimums for incoming ACH transfers. There is also no maximum — you can withdraw your entire account balance in a single transfer if you choose.

What to do if your withdrawal is delayed or stuck

If your withdrawal has not arrived after three business days, check your Robinhood account first. Go to the Transfers section and look at your transfer history. You should see the status of your request — it will show as "pending," "processing," or "completed."

If Robinhood shows the transfer as completed but your bank has not received it, contact your bank's customer service. Provide them with the reference number from your Robinhood confirmation email. Your bank can trace the ACH transfer and tell you whether it arrived or if there was a problem on their end.

If Robinhood shows the transfer as still pending after three business days, or if you see an error message, contact Robinhood support through the app. Tap the account icon, select "Help," and choose "Contact us." Describe the issue and include your transfer reference number. Robinhood's support team can investigate whether there is a problem with the transfer or your linked account.

Common reasons for delays include incorrect routing or account numbers, a bank account that was closed after you linked it, or a mismatch between the name on your Robinhood account and the name on your bank account. If any of these apply, you may need to remove the old bank account and add a new one with the correct information.

Frequently Asked Questions

Can I withdraw money if I have pending trades?

You can withdraw cash that is already settled in your account. If you have placed an order to buy something but it has not filled yet, that does not affect your ability to withdraw. However, if you have sold something and the cash is still in the settlement period (usually two business days), you cannot withdraw that specific cash until settlement is complete.

What happens to my Robinhood account if I withdraw all my money?

Your account remains open and active. You can keep the account open with a zero balance, or you can close it entirely through the account settings. Closing the account is optional — many people keep their Robinhood account open even when it has no money in it, in case they want to deposit and trade again later.

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 your withdrawal. Each account must be verified with the test deposit method before you can use it for withdrawals.

How long does it take to link a new bank account?

The verification process usually takes one to two business days. Robinhood sends two small test deposits to your bank, and you need to confirm the amounts in the Robinhood app. Once you confirm, the account is linked and ready to use for withdrawals.

What if my bank rejects the ACH transfer?

If your bank rejects an incoming ACH transfer from Robinhood, the money will be returned to your Robinhood account automatically, usually within five to ten business days. The rejection typically happens because of a mismatch in account information or because your bank account was closed. Contact your bank to find out why they rejected it, then either correct the account information or link a different account.