The basic process: link your bank, then withdraw
To move money from Robinhood to your bank account, you link your bank through Robinhood's app or website, then request a withdrawal. Robinhood sends the money to the exact account you registered — usually within one to three business days, though the receiving bank may take an additional day to show it in your account.
You do not need to sell investments first if you have cash sitting in your Robinhood account. If your money is tied up in stocks, options, or crypto, you must sell those positions and wait for the sale to settle before you can withdraw. Stock sales settle in two business days; crypto sales are usually when ready.
The process is free. Robinhood does not charge withdrawal fees, and most banks do not charge to receive an incoming transfer.
Key Takeaways
- Link your bank account through Robinhood's settings before you can withdraw, and Robinhood will verify it with two small test deposits.
- You can only withdraw cash that has settled — stocks take two business days to settle after you sell them, and crypto settles when ready.
- Withdrawals typically arrive in one to three business days, but your bank may take an extra day to post the money to your account.
- If you have unsettled cash (money from a recent deposit or sale), Robinhood will not let you withdraw it until the settlement period ends.
How to link your bank account to Robinhood
Open the Robinhood app or go to robinhood.com and sign in. On the app, tap the account icon (usually at the bottom right), then select "Account" or "Settings." On the website, click your profile icon and choose "Account Settings."
Look for "Linked Banks" or "Bank Accounts" and select "Add Bank Account." Robinhood will ask for your bank's name, your account number, and your routing number. You can find your routing number on a check, or by calling your bank or visiting their website.
After you enter your information, Robinhood sends two small deposits (usually between $0.01 and $0.99) to your bank account. This is how Robinhood confirms the account is real and belongs to you. Check your bank account for these deposits — they typically arrive within one to two business days. Once you see them, return to Robinhood and enter the two amounts to verify the account.
Some banks take longer to show test deposits. If you do not see them after three business days, contact your bank to confirm the account is set up to receive transfers, or try linking a different account.
Selling investments before you can withdraw
If your money is in stocks, you must sell them first. Open Robinhood, find the stock in your portfolio, and tap "Sell." Enter the number of shares you want to sell, review the price, and confirm. The sale executes when ready, but the cash does not become available to withdraw for two business days — this is the standard settlement period for stock trades, not a Robinhood rule.
Cryptocurrency works differently. When you sell crypto on Robinhood, the cash is usually available to withdraw the same day or within a few hours. Check your account balance to see if the cash has settled before you request a withdrawal.
Options positions must also be closed (sold) before you can withdraw the proceeds. The settlement timeline is the same as stocks: two business days.
Requesting the withdrawal
Once your cash has settled, go back to your account settings and select "Linked Banks" or "Bank Accounts." You should see your verified bank account listed. Tap or click on it and select "Withdraw."
Enter the amount you want to send. Robinhood will show you the available balance and confirm that the amount is available to withdraw. If you see a message saying the amount is not available, it means some of your cash is still unsettled — wait until the settlement period ends and try again.
Review the details: the amount, the receiving bank account, and the expected arrival date. Confirm the withdrawal. Robinhood will send the money to your bank when ready, though it may take one to three business days to appear in your account depending on your bank's processing speed.
Why your withdrawal might be delayed or rejected
The most common reason a withdrawal does not go through is unsettled cash. If you just deposited money into Robinhood or sold an investment, that cash is not available to withdraw until the settlement period ends. Robinhood will tell you the exact date the cash settles.
Your bank may reject the transfer if the account information you entered is incorrect or if the account is closed. If this happens, Robinhood will notify you and the money will return to your Robinhood account within a few business days. Check that your account number and routing number are correct, then try linking the account again.
Some banks flag incoming transfers as suspicious if the amount is large or if the transfer comes from an unfamiliar source. Contact your bank directly if a withdrawal does not arrive within three business days. Your bank can tell you whether they received it and why it has not posted to your account.
Transferring to a different bank account
You can link multiple bank accounts to Robinhood and withdraw to any of them. To add another account, go to your linked banks settings and select "Add Bank Account." Follow the same verification process with the test deposits.
To withdraw to a different account than the one you usually use, select that account when you request the withdrawal. The process is the same — the money will take one to three business days to arrive.
You cannot transfer money directly from one of your bank accounts to another through Robinhood. Robinhood only moves money between your Robinhood account and your linked banks. If you need to move money between two of your own bank accounts, you will need to do that through your bank's website or app instead.
What to do if your withdrawal is stuck or missing
If three business days have passed and the money has not arrived, first check your Robinhood account to confirm the withdrawal was processed. Look for a transaction history or activity log that shows the withdrawal as "completed" or "sent."
Contact your bank next. Give them the exact amount, the date you requested the withdrawal, and ask whether they received a transfer from Robinhood. Your bank can see incoming transfers even if they have not posted to your account yet, and they can tell you if there is a hold or a problem.
If your bank confirms they did not receive the transfer, contact Robinhood support through the app or at robinhood.com/support. Provide the withdrawal date, the amount, and the bank account you were sending to. Robinhood can investigate whether the transfer failed on their end and reprocess it if needed.
Frequently Asked Questions
Can I withdraw money while I have pending deposits?
No. If you just deposited money into Robinhood, that cash is not available to withdraw until it settles, which usually takes three to five business days depending on your bank. Robinhood will show you the exact settlement date in your account. You can withdraw other settled cash in the meantime.
Do I have to withdraw all my money at once?
No. You can withdraw any amount up to your available balance. You can make multiple withdrawals on the same day or on different days. There is no limit to how many times you can withdraw, and each withdrawal is free.
What if I entered the wrong bank account number?
If you linked the wrong account, the test deposits will go to that account instead of yours. You will not be able to verify it, so the account will remain unverified. Delete it from your linked banks and add the correct account. If you already requested a withdrawal to the wrong account, contact Robinhood support when ready — they may be able to stop it before it processes.
How long does it take to withdraw money on a weekend or holiday?
Withdrawals requested on weekends or holidays are processed the next business day. The one to three business day timeline starts from the day Robinhood processes the withdrawal, not from the day you request it. So a withdrawal requested on Friday may not process until Monday, and then take an additional one to three business days to arrive.
Can I withdraw to someone else's bank account?
No. Robinhood only allows you to link bank accounts in your own name. You cannot withdraw to another person's account. If you need to send money to someone else, withdraw to your own bank account first, then transfer it to them through your bank.