Best IRA Match Bonuses and Transfer Offers

Match bonuses and IRA rollover offers have increased in popularity over the past year.

For years, online brokerages and investing apps have made investing affordable and convenient, offering everything from free stock and ETF trading to pooled savings and fractional shares, all of which you can access from your desktop or mobile device.

Now, the same platforms are competing fiercely for your retirement dollars. One way they do this is by offering a deposit bonus when you open an IRA, transfer money from another institution, or make new contributions.

However, not all brokerages offer these IRA matching bonuses, so to help, we’ve compiled a list of the best bonuses available right now.

Robinhood Gold IRA Match: 3%

Robinhood is a popular online brokerage known for its commission-free stocks, ETFs, cryptocurrency trades, and fractional equity investing. If you’re willing to pay up to $5 a month for a Robinhood Gold subscription, you can unlock additional features, like 5% APY on your savings balance, 3% cash back on purchases, and 3% IRA match.

How does an IRA match work?

When you sign up for Robinhood Gold, you’ll be eligible for 3% on annual contributions made to your Robinhood IRA. If you don’t want to pay for gold, you can still get the 1% IRA match. Note that the 3% applies to new contributions only. IRA and legacy 401(k) conversions earn just 1%.

Currently, there is no cap on this bonus either!

Terms and Conditions*: This is a profitable offer. However, there are some conditions that you should be aware of. For starters, you must be willing to pay $5 a month for a Robinhood Gold subscription, and continue to be a member for a full year after you contribute to maintain the 3%.

Also, the funds the match was earned must be kept in your Robinhood IRA account for at least 5 years, or you may be subject to an early IRA match removal fee.

*For full offer details, visit Robinhood.

Webull IRA matching: 3%

Like Robinhood, Webull is a popular online brokerage that offers commission-free stock and ETF trades. Webull offers Roth, Rollover, and Traditional IRA accounts with no account minimums or account fees.

How does the IRA matching bonus work?

Through December 31, 2025, Webull offers a generous IRA matching bonus. If you open an IRA with Webull and convert from an existing Roth IRA, Traditional IRA, Rollover IRA, or 401(k), Webull will add 3%. Additionally, they will match any new contributions by 3.5%. The maximum match you can get is $30,000.

Terms and Conditions*:To qualify, you must have a traditional or self-directed Roth IRA account with Webull. To receive a matching bonus, you must claim the offer from the offer landing page on the Webull website or mobile app. From there, complete one or more qualifying deposits into your IRA. (A qualifying deposit is a contribution or transfer from an account you maintain at an institution other than Webull.) The transfer must be settled before the end of the offer period.

You must maintain the balance for at least 5 years, otherwise you may have to pay off the match.

*For full offer details, visit Webull.

Acorns is an investing and savings app known for its round saving feature that lets you invest your spare change. You can get a high APY on your Acorns checking and savings accounts, and spend with its Mighty Oak Visa debit card. Acorns provides access to retirement savings through Roth, Traditional, and SEP IRA accounts through Acorns Later.

How does the IRA matching bonus work?

Acorns lets you choose from three monthly tiers: Acorns Bronze ($3), Silver ($6), and Gold ($12). Silver features include a 1% IRA match
Regarding new IRA contributionsAnd gold includes a Matching 3%.

Here’s how Acorns Later Match works when you invest in your Acorns Later Retirement Account:

1. Golden Nut subscribersGet a 3% IRA match on new contributions to their Acorns Later retirement account, so if you contribute $7,000 to your Later account, you could get the equivalent of $210.
2. Silver Nut subscribers Get a 1% IRA match on new contributions to their Acorns Later retirement account, so if you contribute $7,000 to your Later account, you can get the equivalent of $70.

Terms and Conditions*: In order to maintain the 1% or 3% match, you must keep the money invested in your Acorns Later account for 4 years.

*For full offer details, visit Acorns.

Public.com IRA matching: 1%

The public also offers an uncapped 1% match on IRA rollovers and conversions. They will also provide 1% of your annual contributions.

There are no limits to public offers, and they will even match the transfer fees when you transfer your money. The rollover can come from your old 401k or IRA, or from new contributions up to the IRA contribution limit. Read the full overview here.

SoFi Invest IRA Match: 1%

SoFi is an online financial platform that offers a wide range of banking and investment products, including checking and savings accounts, loans, mortgages, and student loans. You can also save for retirement with SoFi Invest by opening an active or automated IRA.

How Does IRA Matching Bonus Work?

SoFi Invest offers a 1% match on customer ACH deposits made into an existing or newly opened (automatic or active) SoFi IRA account.

Terms and Conditions*: Deposits must remain in the IRA for two years after the offer period ends. Matching is available to customers with an automatic or active IRA or Roth IRA, provided the accounts are in good standing. This match only applies to ACH deposits made during the offer period.

*For full offer details, visit SoFi.

IRA Match Bonuses: Read the Fine Print

On the surface, IRA bonuses seem like a no-brainer. After all, who wouldn’t want to add an extra 3% to their savings or retirement contributions. However, you really need to read the fine print before signing up. With all the brokers we’ve covered above, there are several conditions you must meet in order to secure the full bonus.

You also need to follow different transfer and contribution rules. For example, Robinhood only offers 3% on new contributions, not on transfers or rollovers. The SoFi Bonus only applies to ACH deposits, any other type of transfers will not qualify.

We’ve done our best to explain the basic terms of each offer, but we may not have been able to capture all the details. So, before you sign up, read the fine print on the brokerage website to ensure you fully understand the terms of the offer.

What are the IRA contribution limits?

the Contribution limits 2025 For IRAs and Roth IRAs they are as follows:

• Under age 50: $7,000
• Age 50 and over: $8,000

Keep in mind that these limits are combined for traditional accounts and Roth IRAs. Therefore, if you have more than one IRA, you cannot exceed the above totals for all accounts. But remember, moving your existing IRA from one provider to another does not affect your contributions.

Are IRA Match Bonus Offers Worth It?

IRA conversion bonuses can be worth it if you’re willing to keep the money with the brokerage for the entire time required to get the full bonus. This means you should be comfortable keeping your retirement savings with Robinhood, Acorns, Webull, or SoFi Invest for up to five years. If not, you are better off skipping the offer and continuing to invest where you feel comfortable.