You can withdraw cash from Robinhood to your linked bank account, but the money must settle first and your account must be in good standing
Robinhood lets you move cash out of your brokerage account back to the bank account you connected during signup. The process itself takes a few clicks in the app or website, but the timing depends on whether you're withdrawing unsettled cash, settled cash, or proceeds from a sale. Unsettled cash — money from a recent deposit or stock sale — typically cannot leave your account for two business days after the transaction. Settled cash can move when ready, though the actual transfer to your bank takes one to three business days depending on your bank.
Your account must also be in good standing: no pending transfers, no margin calls, and no restrictions from Robinhood's compliance team. If you've been flagged as a pattern day trader or have other account holds, you may not be able to withdraw until those are resolved.
Key Takeaways
- Cash from stock sales and deposits cannot be withdrawn for two business days after the transaction settles, even though you may see it in your account balance.
- You withdraw money through the app or website by selecting your linked bank account and entering the amount, and the transfer typically reaches your bank within one to three business days.
- Robinhood can restrict withdrawals if your account has margin calls, pending transfers, or compliance holds.
- If you want to move money faster, you can sell holdings when ready, but you still must wait for the sale to settle before withdrawing the proceeds.
How to initiate a withdrawal in the Robinhood app or website
Open Robinhood and tap or click the Account icon (usually at the bottom right on mobile, top right on web). Select "Transfers" or "Transfer Funds." Choose "Withdraw" and select the bank account you want the money to go to — this must be the same account you linked when you opened your Robinhood account, or an account you've added since then. Enter the amount you want to withdraw and confirm.
Robinhood will show you how much cash is available to withdraw right now. If the amount you want is grayed out or unavailable, it means that cash is still settling. You can still request the withdrawal and it will process once the cash settles, or you can wait and try again in a few days.
After you confirm, Robinhood sends the request to your bank. You'll see the withdrawal listed in your transaction history as "pending" until your bank receives and posts it. Most banks complete the transfer within one to three business days, though some take longer.
Why your cash might not be available to withdraw yet
The most common reason cash is locked is the two-business-day settlement period. When you deposit money into Robinhood or sell a stock, that transaction doesn't settle when ready. During those two days, the cash shows in your account balance but cannot leave. This is a rule set by the financial industry, not Robinhood alone — it applies to all brokerages.
A second reason is a margin call. If you've borrowed money from Robinhood to buy stocks (margin trading) and your account value drops below the minimum requirement, Robinhood will freeze withdrawals until you deposit more cash or sell holdings to cover the shortfall.
Third, Robinhood may place a compliance hold on your account if it detects unusual activity, a large deposit, or if you're flagged as a pattern day trader. These holds can last from a few days to several weeks. You'll see a notification in the app explaining why your account is restricted.
Withdrawing money from a margin account versus a cash account
If your Robinhood account is a cash account, you can only withdraw settled cash — money that has been in your account for at least two business days after a deposit or sale. This is the standard account type for most users.
If your account is a margin account, you can borrow money to trade, but this also means Robinhood has more control over your withdrawals. You cannot withdraw if doing so would drop your account below the margin maintenance requirement (usually 25 percent of your total holdings). If you have an active margin loan, you must pay interest on it, and that interest accrues whether or not you withdraw.
You can request to convert from a margin account to a cash account through the Account settings, but the change typically takes one business day to process. During that time, you cannot withdraw.
What happens if your withdrawal is rejected or delayed
Robinhood may reject a withdrawal if your linked bank account is closed, if there's a mismatch between the account holder name and your Robinhood account name, or if your bank flags the transfer as suspicious. You'll receive a notification explaining the rejection. Contact your bank to confirm the account is active and that your name matches exactly as it appears on the account.
Delays can happen if your bank is processing a high volume of transfers, if there's a holiday, or if your bank has additional verification steps. Robinhood's side of the transfer usually completes within hours, but your bank controls the final posting. If a withdrawal has been pending for more than three business days, contact Robinhood support with your transaction ID and they can investigate whether the transfer reached your bank.
Withdrawing after closing your Robinhood account
If you close your Robinhood account, you must withdraw all remaining cash before the account closes. Robinhood will not hold cash in a closed account. Any holdings (stocks, options, crypto) must be sold or transferred out first. Once everything is liquidated and withdrawn, you can request account closure.
If you have unsettled cash at the time of closure, that cash must settle before it can be withdrawn. This means closing your account can take longer than expected if you've made recent trades or deposits. Plan ahead if you're planning to leave Robinhood.
Moving stocks or crypto out of Robinhood instead of selling
If you want to move your holdings to another brokerage without selling them, you can request an ACAT transfer (Automated Customer Account Transfer) for stocks or a manual transfer for crypto. An ACAT transfer moves your stocks to another brokerage in your name without triggering a taxable sale. The receiving brokerage usually handles the request, and the transfer typically takes five to seven business days.
Crypto cannot be transferred out of Robinhood — you must sell it and withdraw the cash, or leave it in your Robinhood account. This is a key limitation if you plan to move your crypto holdings elsewhere.
Frequently Asked Questions
How long does it take for money to appear in my bank account after I request a withdrawal?
Robinhood typically sends the withdrawal to your bank within hours of your request. Your bank then takes one to three business days to post it to your account. Weekends and holidays don't count as business days, so a withdrawal requested on Friday may not appear until Tuesday or Wednesday.
Can I withdraw money if I have a pending deposit?
You can withdraw settled cash even if you have a pending deposit. However, if the pending deposit is still processing and you're trying to withdraw cash from that same deposit, you must wait for it to settle first — usually two business days after Robinhood receives it.
What's the minimum or maximum amount I can withdraw?
Robinhood does not publish a minimum withdrawal amount, though most banks require transfers to be at least $1. There is no maximum — you can withdraw your entire account balance if it's settled. Some banks may have their own limits, so check with your bank if you're withdrawing a very large amount.
Why does Robinhood say I'm a pattern day trader and won't let me withdraw?
Robinhood flags accounts as pattern day traders if you make four or more day trades (buying and selling the same security on the same day) within five business days in a margin account. This triggers a 90-day restriction on withdrawals and trading. You can still withdraw after the 90 days, or you can convert to a cash account to remove the restriction, though cash accounts have their own trading limitations.
Can I withdraw to a different bank account than the one I linked during signup?
You can add new bank accounts to your Robinhood profile and withdraw to any of them, as long as they're in your name. Go to Account settings, select "Transfers," and add a new bank account. Robinhood will verify it by depositing small amounts, which you'll need to confirm. Once verified, you can withdraw to that account.