Withdrawing cash from Robinhood takes three to five business days

To move money out of Robinhood, you initiate a transfer from the app or website to a linked bank account. The money leaves your Robinhood account immediately, but your bank receives it in three to five business days — sometimes longer if your bank processes transfers slowly or if you initiate the transfer on a weekend or holiday.

You can withdraw any cash sitting in your account, including money from sales you've made and deposits you haven't invested yet. You cannot withdraw shares themselves through this process — you would need to sell them first and then withdraw the cash proceeds.

Robinhood does not charge a fee to withdraw money. Your bank may charge a fee for receiving an incoming transfer, though most do not.

Key Takeaways

  • Link a bank account to your Robinhood account before you can withdraw; this takes one to two business days to verify.
  • Cash transfers out of Robinhood take three to five business days to arrive in your bank account, not including weekends or holidays.
  • You can only withdraw cash that is already in your account — sell shares first if you need to convert them to cash.
  • Robinhood charges no withdrawal fee, but your bank may charge a small fee for receiving the transfer.

Link a bank account before your first withdrawal

Open the Robinhood app or go to robinhood.com and navigate to your Account settings. Select "Linked Banks" or "Transfer Method" and choose "Add a Bank Account." Robinhood will ask for your bank's routing number and your account number — you can find both on a check or by logging into your bank's website.

After you enter this information, Robinhood sends two small deposits (usually under $1 each) to your bank account. Your bank will show these deposits in one to two business days. You then return to Robinhood and confirm the exact amounts of those two deposits. This verification step proves you own the bank account and prevents someone else from linking your account without permission.

Once verified, the bank account is linked and ready to use for withdrawals. You can link multiple bank accounts if you want to withdraw to different places.

How to start a withdrawal in the app or on the website

Open Robinhood and tap or click the Account icon (usually at the bottom right on mobile, top left on desktop). Select "Transfers" or "Withdraw Cash." Choose the linked bank account where you want the money to go, then enter the amount you want to withdraw.

Review the details — the amount, the receiving bank account, and the estimated arrival date — then confirm. Robinhood will show a confirmation number. The cash leaves your Robinhood account right away, but it will not appear in your bank account for three to five business days.

If you change your mind within a few minutes of initiating the transfer, you may be able to cancel it through the Transfers section. Once the transfer has processed further, cancellation is no longer an option.

What happens if your withdrawal takes longer than five days

Most transfers arrive within three to five business days. If yours has not arrived after five business days, check your bank account's transaction history or pending transfers section — sometimes a transfer shows as pending for longer than expected.

Contact your bank first, because the delay is often on their end, not Robinhood's. Give them the confirmation number from Robinhood and ask them to locate the incoming transfer. If your bank cannot find it, then contact Robinhood support through the app or at robinhood.com/support.

Weekend and holiday transfers take longer. If you initiate a withdrawal on Friday evening, it may not arrive until the following Tuesday or Wednesday because banks do not process transfers over weekends or federal holidays.

Withdrawing money while you have unsettled trades

When you sell a stock or ETF on Robinhood, the cash from that sale is not immediately available to withdraw. Robinhood holds it for two business days while the trade settles — this is a rule set by the financial system, not by Robinhood itself. During this settlement period, you can see the cash in your account, but you cannot withdraw it or use it to buy new shares.

If you try to withdraw more than your settled cash balance, Robinhood will reject the withdrawal or allow you to withdraw only up to the settled amount. Check your account to see how much cash is settled and available versus unsettled.

Withdrawing from a margin account

If you have a Robinhood Margin account (which lets you borrow money to invest), you can still withdraw cash, but only the amount that is truly yours. Robinhood calculates your available withdrawal amount by subtracting any borrowed money and any margin requirements from your total account value.

If you have borrowed money through margin, withdrawing cash reduces the amount you have available to borrow in the future. For example, if you have $5,000 in your account and have borrowed $2,000, you can only withdraw up to $3,000 (your own money). Withdrawing that $3,000 means you would then have $2,000 in the account against a $2,000 debt, leaving no borrowing power.

Frequently Asked Questions

Can I withdraw money on weekends or holidays?

You can initiate a withdrawal any time through the app, but Robinhood and your bank do not process transfers on weekends or federal holidays. A withdrawal started on Friday evening will not begin processing until Monday, so it will arrive later than one started on a weekday.

What if I want to withdraw more money than I have in my account?

Robinhood will not allow you to withdraw more than your account balance. If you have unsettled cash from recent sales, that amount is not available to withdraw yet. If you have a margin account and have borrowed money, your withdrawal limit is reduced by the amount you owe.

Can I withdraw directly to a credit card or PayPal?

No. Robinhood only transfers money to bank accounts — checking or savings accounts linked through your bank's routing and account numbers. You cannot withdraw to a credit card, PayPal, or other payment service.

Do I have to withdraw all my money at once?

No. You can withdraw any amount, any number of times. Each withdrawal is a separate transfer that takes three to five business days. There is no limit on how many withdrawals you can make or a minimum amount you must leave in the account.

What if Robinhood closes my account — can I still get my money out?

Yes. If Robinhood closes your account, you can still withdraw any cash balance through the same process. You would need to sell any shares first to convert them to cash, then withdraw. Contact Robinhood support if you have questions about accessing your account after closure.