What Is Robinhood Gold And How Much Does It Cost?

Robinhood is a popular app-based brokerage that has been shaking up the world of investing with its commission-free trades and user-friendly interface.

In addition to their free basic service, Robinhood also offers a premium service called Robinhood Gold.

But what exactly is Robinhood Gold, and how much does it cost?

What Is Robinhood Gold?

Robinhood Gold is a suite of tools and premium features designed to enhance your investing experience and provide greater financial flexibility.

• With Gold, you can access a range of benefits, including around 4% to 5% APY on your uninvested brokerage cash through Robinhood's cash sweep program, which places your cash in FDIC-insured banks (compared to approximately 0.0025% APY on the free plan).
• Gold offers bigger instant deposit limits — allowing you to start trading with larger amounts immediately without waiting days for funds to clear.
• Subscribers receive professional research from Morningstar and Level II market data from Nasdaq, giving more detailed market insights.
• Gold includes margin investing with improved rates: the first $1,000 you borrow is interest-free, and margin interest rates start at approximately 5.75% for balances up to $50,000, a significant reduction from the older 7.25% figure.
• Additionally, Gold members gain extended trading hours access, allowing early pre-market and late after-hours trading, expanding your opportunity to act on market movements.
• There are also new perks like a 3% match on eligible Robinhood IRA contributions, which can add up to significant free money toward your retirement savings.
• More advanced features include discounted mortgage rates and closing cost credits with Sage Home Loans, lower index options trading fees, and reduced commissions on futures trades.

These rates and offers can fluctuate with changes in Federal Reserve policies and company updates, so be sure to check the official Robinhood website for the most current details.

How Much Is Robinhood Gold?

Robinhood Gold costs $5 per month (equivalent to $60 annually if paid monthly or only $50/yr is paid annually), granting you access to all the premium features listed above.

You can try Robinhood Gold free for the first 30 days, where the monthly fee is waived—but keep in mind that borrowing on margin during this trial will incur margin interest charges if you borrow above $1,000.

Margin interest applies only on amounts borrowed over $1,000. During the trial, if you use margin investing, you will be charged approximately 5.75% annual interest on borrowed balances above this threshold.

After the trial, you'll be charged the $5 fee at the start of each 30-day billing cycle. You can choose to opt out of margin investing while retaining all other Gold features if you prefer not to use leverage.

How To Downgrade From Gold

If you decide Robinhood Gold isn't right for you, downgrading is simple. Just go to the Robinhood Gold section of your account settings and tap “Cancel membership.”

Downgrading immediately removes access to premium features, including the lower margin rates, extended trading hours, the IRA contribution match, and higher cash sweep interest on uninvested cash.

Who Benefits Most From Robinhood Gold in 2025?

• Retirement-focused investors can benefit greatly from the 3% IRA contribution match, potentially earning hundreds of dollars a year in “free money” by maxing out Roth IRA contributions.
• Active traders gain from bigger instant deposits, extended trading hours, Level II data, and margin at lower rates, helping them seize more market opportunities.
• Cash-heavy investors enjoy earning meaningful interest on their uninvested cash via the cash sweep program, a substantial improvement over the free plan's near zero APY.
• Advanced users can take advantage of discounted index options fees, lower futures commissions, and mortgage-related perks through Robinhood's partnerships.

Final Thoughts

Robinhood Gold in 2025 is a comprehensive premium service that offers significant value for a modest cost of $5 per month. Updated and expanded features—including the competitive margin rates, 3% IRA match, extended trading hours, and higher interest on idle cash—modernize Robinhood Gold as a strong choice for both retirement savers and active traders.

If you want to take your investing to the next level with enhanced tools and financial benefits, Robinhood Gold may well be worth considering.

Remember to check the official Robinhood site regularly for the latest rates and terms, as these can change based on market conditions.

Don't forget to grab your free stock from Robinhood today!