The basic process: Robinhood sends money to your linked bank account through ACH

To move money from Robinhood to your bank account, you initiate a withdrawal from the Robinhood app or website. Robinhood then sends the money to the bank account you linked during setup, using the ACH network — the same system that handles most transfers between retail accounts. The money does not move when ready. Robinhood typically processes the request within one business day, and your bank receives it one to three business days after that, depending on your bank's processing speed.

You can withdraw cash, the proceeds from sold securities, or unsettled cash (money from recent sales that has not yet cleared). The rules around unsettled cash differ slightly depending on your account type, which matters if you trade frequently.

Key Takeaways

  • Withdrawals from Robinhood move through ACH and take one to three business days to appear in your bank account after Robinhood processes them.
  • You must link a bank account to Robinhood first, and that account must be in your own name at a U.S. bank.
  • Robinhood processes withdrawal requests within one business day, but weekends and bank holidays add delay to the total timeline.
  • Unsettled cash — money from sales that have not yet cleared — can be withdrawn when ready on a standard brokerage account but may have restrictions on margin accounts.
  • There is no fee to withdraw money from Robinhood, but your bank may charge a fee if you exceed a certain number of transfers per month.

Linking your bank account to Robinhood

Before you can withdraw, you need to add a bank account to your Robinhood profile. Open the app or website, go to Account, then Transfers, and select "Link a bank account." Robinhood will ask for your bank's routing number and your account number. You can find both on a check, or log into your bank's website and look for account details.

The account must be in your own name and held at a U.S. bank. Robinhood does not accept transfers to accounts held in someone else's name, joint accounts, or accounts at foreign banks. If you have a joint account, you can link it only if your name appears on it as the primary account holder.

After you enter the account details, Robinhood will send two small test deposits to your bank account — usually within one to two business days. Check your bank statement, find those amounts (typically under $1 each), and enter them back into Robinhood to verify the account. This step confirms that you own the account and can receive money there.

Initiating a withdrawal from Robinhood

Once your bank account is verified, go to Account, then Transfers, and select "Withdraw." Choose the bank account you want the money to go to (if you have linked more than one), enter the amount, and confirm. Robinhood will show you the expected arrival date based on your bank's processing speed.

You can withdraw any amount up to your available cash balance. If you have recently sold securities, that cash may not be available when ready — it depends on the settlement rules for the type of security you sold. Stocks settle in two business days; most other securities settle in one business day. Until settlement is complete, that cash is unsettled and may not be available for withdrawal on a margin account.

Robinhood processes the withdrawal request within one business day. If you submit it on a Friday after market close, Robinhood may not process it until Monday, and your bank may not receive it until Wednesday or Thursday. Weekends and bank holidays extend the timeline.

How long the money takes to arrive

The total time from request to arrival in your bank account is typically three to five business days, but the breakdown matters because it tells you where delays happen. Robinhood's processing takes one business day. The ACH transfer itself takes one to two business days. Your bank's processing on the receiving end can add another day.

If you withdraw on a Monday morning, Robinhood processes it by Tuesday, the ACH network moves it Tuesday to Wednesday, and your bank posts it Wednesday or Thursday. If you withdraw on a Friday, Robinhood may not process until Monday, the ACH moves Monday to Tuesday, and your bank posts Tuesday or Wednesday. Holidays add a day to each step.

Some banks post ACH transfers overnight; others wait until the next business day. Check your bank's ACH posting schedule if you need the money by a specific date. You can usually find this in your bank's terms or by calling customer service.

Unsettled cash and margin account restrictions

On a standard Robinhood brokerage account, you can withdraw unsettled cash when ready — money from sales that have not yet cleared. This is useful if you sell a stock on Monday and need the cash on Tuesday, before the two-day settlement period ends.

On a Robinhood Gold margin account, unsettled cash withdrawal rules are stricter. You may not be able to withdraw unsettled cash if it would bring your account below the minimum margin requirement. If you use margin (borrowed money to buy securities), check your account details before withdrawing to see whether the cash you want to move is settled or unsettled.

Fees and limits

Robinhood does not charge a fee to withdraw money to your linked bank account. However, your bank may charge a fee if you exceed the number of transfers allowed per month under Regulation D. Most banks allow six transfers per month from a savings account; checking accounts usually have no limit. If you hit the limit, your bank may charge $10 to $25 per excess transfer or temporarily restrict further transfers.

Robinhood does not set a minimum or maximum withdrawal amount, but your bank may. Some banks do not allow transfers under $1 or over a certain daily limit. Check your bank's transfer limits before you withdraw a large amount.

What to do if the withdrawal does not arrive

If the money does not appear in your bank account within five business days of submitting the withdrawal request, contact Robinhood support through the app or website. Have the withdrawal confirmation number ready — Robinhood provides this when you submit the request. Robinhood can check whether the ACH transfer was sent and, if so, trace it through the system.

If Robinhood sent the transfer but your bank has not posted it, your bank's customer service can investigate on their end. Occasionally, transfers are delayed because the routing number or account number was entered incorrectly, or because the bank flagged the transfer as unusual activity. Your bank can tell you which happened and how to resolve it.

Frequently Asked Questions

Can I withdraw money if I have unsettled trades?

On a standard account, yes — you can withdraw unsettled cash when ready. On a margin account, it depends on your margin balance. If withdrawing would drop your account below the required margin level, Robinhood will not allow it. Check your account details or contact Robinhood support to confirm whether your unsettled cash is available to withdraw.

What if I entered the wrong bank account number?

If you entered the wrong account number during linking, the test deposits will go to the wrong account and you will not be able to verify it in Robinhood. You can delete that bank account from your profile and link the correct one instead. If you already initiated a withdrawal to the wrong account, contact Robinhood support when ready — they may be able to stop it before it processes.

Can I withdraw to a joint bank account?

Robinhood does not allow withdrawals to joint accounts. The account must be in your name only. If you need the money in a joint account, withdraw to your individual account first, then transfer it to the joint account through your bank.

Why is my withdrawal still pending after five business days?

Check with your bank first — they may have flagged the transfer as unusual and put it on hold. If your bank has not received it, contact Robinhood support with your withdrawal confirmation number. Robinhood can confirm whether the ACH transfer was sent and help trace it if it is stuck in the system.

Is there a limit to how much I can withdraw at once?

Robinhood does not set a withdrawal limit, but your bank may. Some banks limit daily ACH transfers to $5,000 or $10,000. Check your bank's transfer limits before withdrawing a large amount, or contact your bank to request a temporary increase.