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You can now earn 4.00% interest on uninvested cash with Robinhood Gold.
- Update 1/19/2023: Robinhood Gold now earns 4.00% interest.
- Update: Robinhood Gold now earns 3.75% interest; up from 3.00% previously.
Robinhood Gold Offer Details

There’s no cap on how much you can earn, and you can withdraw at any time. Money in the cash sweep program is FDIC-insured by program banks up to $1.5 million.
Robinhood Gold Benefits
- Introducing a new 4.00% cash sweeps interest rate for Robinhood Gold Members for their uninvested brokerage cash (rate is subject to change)
- Larger Instant Deposits. With Gold, customers can get even larger Instant Deposits – up to $50,000 depending on their brokerage account balance and status.
- Professional research from Morningstar. Gold members get unlimited access to Morningstar’s premium, in-depth stock research reports. These reports are available for approximately 1,700 stocks and are updated frequently to reflect important company events.
- Level II market data from Nasdaq. Level II market data shows multiple bid and ask prices from Nasdaq for any given security so investors can better determine the availability or desire for a security at a certain price.
- Access to margin investing at 5.75% interest. Eligible customers can borrow money from Robinhood and leverage their holdings to purchase securities. For Gold customers, the first $1,000 of margin is included, and then Gold customers pay 5.75% yearly interest beyond that. Non-Gold customers who are eligible have access to a margin interest rate of 9.75%.***
- Customers can upgrade to Robinhood Gold for just $5 a month and new customers will receive a free 30-day trial. Those not enrolled in Robinhood Gold can still earn 1.5% interest for all uninvested brokerage cash swept to program banks once enrolled in cash sweep.
***To earn interest, a cash balance is needed. If you have a margin balance, there is no cash balance to earn interest. Interest rates for cash sweep and margin investing can change at any time.
Bottom Line
You can try Robinhood Gold with the free 30-day trial to see if the extra benefits are worth it for you.
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