The basic process: transfer to your bank account
To take money out of Robinhood, you transfer it from your Robinhood account to a linked bank account. The money goes into your checking or savings account, not to a debit card or external wallet. Robinhood does not send checks or wire transfers directly to you.
You start a withdrawal through the Robinhood app or website by going to your Account menu, selecting Transfers, and choosing "Transfer to Your Bank." You then pick the bank account you want the money sent to and enter the amount. Robinhood will show you how long the transfer will take — usually one to three business days, though it can be longer depending on your bank.
The money must come from your cash balance, not from stocks or other investments you own. If you have unsettled cash (money from a recent sale that has not yet cleared), you may not be able to withdraw it immediately. Robinhood holds unsettled cash for two business days after you sell a stock.
Key Takeaways
- Withdrawals go only to a bank account you have already linked to Robinhood, and take one to three business days to arrive.
- You can only withdraw cash that has settled; money from recent stock sales is held for two business days before you can move it.
- Robinhood does not charge a withdrawal fee, but your bank may charge you for receiving an incoming transfer.
- If you have a margin account or outstanding margin debt, you may have restrictions on how much you can withdraw.
- Partial withdrawals are allowed — you do not have to empty your account to take money out.
Linking a bank account before you can withdraw
You cannot withdraw money until you have connected at least one bank account to Robinhood. This is a one-time setup. Go to Account, then Transfers, then "Link a Bank Account." Robinhood will ask for your bank's routing number and your account number, which you can find on a check or in your bank's app.
Some banks take a few minutes to verify; others take up to five business days. Robinhood may make two small test deposits to your bank account (usually under $1 each) and ask you to confirm the amounts. This is normal and is how Robinhood confirms you own the account. Once verified, that bank account stays linked and you can use it for future withdrawals.
You can link multiple bank accounts if you want to withdraw to different places. Each one must be verified separately before you can use it.
Unsettled cash and why you cannot always withdraw immediately
When you sell a stock in Robinhood, the cash from that sale does not become available to withdraw right away. Robinhood holds it for two business days — this is called the settlement period and is required by the financial industry, not a Robinhood rule alone.
Your Robinhood app shows two numbers: "Cash Available" and "Total Cash." Cash Available is what you can withdraw or use to buy stocks right now. Total Cash includes unsettled money from recent sales. If you try to withdraw more than your Cash Available amount, the withdrawal will be rejected.
Weekends and holidays extend the settlement period. If you sell a stock on Friday, the cash settles on Tuesday (Monday is a holiday for markets). If you sell on Thursday, it settles on Monday.
Withdrawal limits and restrictions
Robinhood does not publish a single daily or monthly withdrawal limit that applies to all accounts. However, your bank may have its own limits on how much money can be transferred in per day or per month. Check with your bank if you are trying to withdraw a large amount.
If you have a margin account (an account that lets you borrow money to invest), you may not be able to withdraw all your cash. Robinhood requires you to keep a minimum amount in your account to cover any margin debt. The exact amount depends on your positions and how much you have borrowed. If you owe margin debt, Robinhood will tell you how much you can withdraw when you start the process.
If your account is flagged for suspicious activity or is under review, Robinhood may temporarily block withdrawals. This is rare but can happen if there are signs of fraud or if you have violated Robinhood's terms of service.
How long withdrawals actually take
Robinhood says transfers take one to three business days, but the real timeline depends on your bank. Some banks process incoming transfers within hours; others take the full three days. A few banks are slower and may take up to five business days.
The clock starts when Robinhood sends the transfer, not when you request it. If you request a withdrawal on a Friday evening, Robinhood may not send it until Monday, and then your bank has one to three more days to process it. In that case, you might not see the money until Wednesday or Thursday.
If a withdrawal does not arrive within five business days, contact Robinhood support through the app. Provide the date you requested the transfer and the amount. Robinhood can check whether the transfer was sent and ask your bank to investigate if it was lost in transit.
Fees and what it costs to withdraw
Robinhood does not charge you a fee to withdraw money to your bank account. The transfer is free on Robinhood's side.
Your bank, however, may charge you a fee for receiving an incoming transfer, especially if you have a basic checking account or if the transfer is from outside your bank's network. Most banks do not charge for this, but some do. Check your bank's fee schedule or call them before you withdraw a large amount if you are unsure.
If you withdraw and then want to move the money back into Robinhood, your bank may charge you a fee for sending an outgoing transfer. Robinhood does not charge to receive deposits, but the sending bank's fee applies.
What to do if your withdrawal is stuck or rejected
If you request a withdrawal and it is rejected, Robinhood will show you a reason on the screen. Common reasons include: you do not have enough settled cash, your bank account is not verified yet, or there is a problem with the bank account information you entered.
If the reason is unclear, open the Robinhood app, go to Account, then Help & Support, and search for "withdrawal." You can message Robinhood support directly from there. Include the date and amount of the failed withdrawal, and they will investigate.
If a withdrawal was sent but never arrived at your bank, contact your bank first. Give them the date Robinhood sent it and the amount. Your bank can trace the transfer and tell you whether it was received. If your bank says they never got it, then contact Robinhood with that information and they can file a trace request with the banking system.
Frequently Asked Questions
Can I withdraw money if I have unsettled cash from a recent sale?
No. You can only withdraw settled cash. Money from stock sales is held for two business days. Your app shows "Cash Available" separately from "Total Cash" — withdraw only the amount shown as available.
What if my bank account is not verified yet?
You cannot withdraw until verification is complete. Robinhood may make two small test deposits to your account and ask you to confirm the amounts. This usually takes a few minutes to five business days depending on your bank. Once confirmed, the account is ready to use.
Can I withdraw to a different bank account than the one I use to deposit?
Yes. You can link multiple bank accounts and withdraw to any of them, as long as each one is verified. You do not have to use the same account for deposits and withdrawals.
Why is my withdrawal taking longer than three days?
Your bank may be slower than Robinhood's standard one to three days. Some banks take up to five business days to process incoming transfers. Weekends and holidays also extend the timeline. If it has been more than five business days, contact Robinhood support with the withdrawal date and amount.
Do I have to withdraw all my money at once?
No. You can withdraw any amount up to your available cash balance. You can make multiple withdrawals on the same day or on different days.