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Robinhood Gold Margin Loan & ACATS Transfer Match

About Robinhood Personal Loans

Robinhood Gold Margin is the best incentive margin loan for retail and mass-affluent investors. Not only is the first $1,000 of margin completely interest-free, but the 5.75% standard margin rate pairs with Robinhood's signature 1%–3% ACATS transfer match bonus—effectively offsetting months of borrowing costs when moving a portfolio from a high-fee broker.

Features

Annual Fee	$5/mo ($50/yr) Robinhood Gold
Regular APR / Rate	0% on First $1,000; 5.75% Base Margin APR
Intro Offer / Welcome Bonus	1% - 3% Uncapped Brokerage / IRA Transfer Match
Savings APY / AER	4.50% APY on Uninvested Cash
Minimum Deposit	$2,000 Min Portfolio for Margin
Foreign Transaction Fee	$0 Foreign Transaction Fee
Deposit Insurance	$500k SIPC + $2.5M FDIC Cash Sweep
Mobile App Rating	4.9 / 5 (iOS & Android)

Pros

First $1,000 of margin included at 0.00% APR with Robinhood Gold ($5/mo)
Low 5.75% base margin rate (drops as low as 5.00% on high balances)
1% to 3% uncapped ACATS brokerage & IRA transfer match incentives
4.50% APY on uninvested cash with $2.5 million FDIC sweep protection

Cons

Requires $5/month ($50/year) Robinhood Gold subscription for best margin & APY perks
Transfer match bonuses require holding transferred assets for 2–5 years to avoid clawback