Best IRA Rollover Bonuses & Matches in 2026

2026 IRA Rollover Bonus Comparison

What These Offers Are Worth at Common Rollover Sizes

The percentages are easier to compare in dollars. The table assumes the transfer is fully eligible for each offer. Public's total is paid over up to 60 months. Webull requires Premium and caps the transfer/rollover match at $2,500. SoFi's figures apply only when the rollover qualifies for its ongoing Capitalize 401(k) offer. E*TRADE uses its current RETIRE26 tiers rather than a percentage.

Illustration based on current published offer formulas checked November 4, 2026. It does not account for subscription fees, taxes, transfer-out fees, investment expenses, market movement, or ineligible assets.

Payout Timing and How Long You Need to Stay

How These Matches Are Taxed

Webull, Robinhood, and SoFi state that their IRA match is treated as interest earned inside the IRA and does not use the annual IRA contribution limit. Webull and Robinhood also warn that a match can have different tax consequences in some situations, including certain conversions involving non-deductible IRA contributions. E*TRADE says its retirement cash credit is characterized as interest or other earnings for information-reporting purposes, but it does not promise a particular tax treatment and puts responsibility for tax consequences on the customer.

Tax treatment can depend on the account and transaction. See our IRA rollover tax guide and consider qualified tax advice for a conversion or unusual rollover.

Robinhood: broad 1% match, no Gold subscription required for rollovers

Robinhood's current IRA materials state that self-directed IRAs can receive a 1% match on IRA transfers and old 401(k) rollovers. That is separate from Robinhood Gold's 3% match on eligible annual IRA contributions.

• Rollover/transfer match: 1% on eligible IRA transfers and old 401(k) rollovers; Robinhood says the match applies to any amount transferred.
• Subscription: Robinhood Gold is not required for the 1% transfer/rollover match.
• Gold contribution match: 3% on eligible annual IRA contributions with Gold; 1% without Gold.
• Gold price: Robinhood currently lists Gold at $5 per month.
• Holding rule: matched assets generally need to remain in the IRA for at least five years to avoid a possible early IRA match removal fee.
• Important: the 3% Gold contribution match should not be treated as a 3% rollover match.

Public: 1% uncapped, but paid over five years

Public's current transfer bonus uses the same 1% headline as several competitors, but the payout timing is very different. Public says eligible IRA transfers and 401(k) rollovers can receive an uncapped 1% match, distributed in monthly installments over up to 60 months.

• Match: 1% on eligible IRA transfers and 401(k) rollovers, with no stated match-dollar cap under the current program.
• Payout timing: up to 60 equal monthly installments over five years; Public says the first payment is generally about one month after the transfer settles.
• If you move money out: already-paid installments are not clawed back under the current FAQ, but withdrawals or transfers can reduce the balance used to calculate future payments. Closing the account stops remaining match payments.
• Transfer-fee reimbursement: Public says qualifying transfers of at least $5,000 may receive up to $100 in transfer-fee reimbursement.
• IRA types: Public currently supports Traditional and Roth IRAs.
• Important: the Public links on this page are direct, non-referral links. Public's personal referral rules restrict commercial advertising of personal referral links.

Webull: 1% rollover match, but Premium and the $2,500 cap matter

Webull's IRA page currently advertises a 1% match on IRA transfers and rollovers for a limited time. Its higher 3.5% headline applies to eligible IRA contributions through Webull Premium, not to rollovers.

• Rollover/transfer match: 1% on qualifying transfers and rollovers for a limited time. Webull's published Premium transfer/rollover terms run from September 1 through December 31, 2026.
• Match cap: Webull's terms cap the aggregate match on qualifying transfers at $2,500, equivalent to 1% of $250,000 in eligible transfers.
• Premium contribution match: 3.5% on eligible IRA contributions.
• Premium price: currently $40 annually on Webull's IRA page. If you would not otherwise buy Premium, subtract that cost when comparing a small rollover bonus.
• Transfer path: Webull supports direct rollovers, indirect rollovers, and trustee-to-trustee transfers, but eligibility can differ by promotion.
• Offer window: current published terms run through December 31, 2026.
• Payout: Webull says the match is generally credited within 2–3 business days after the qualifying transfer or rollover settles.
• Watch the fine print: You need an active Premium subscription when the qualifying transfer is initiated and when it settles. If Premium lapses before 12 continuous months, Webull charges a removal fee equal to 100% of the applicable transfer match. A qualifying withdrawal or transfer out during the five-year period can trigger a fee equal to 1% of the shortfall below the required maintenance amount. Aggregate removal fees cannot exceed the matches received. This transfer match can run alongside Webull's Premium contribution match but not other Webull IRA promotions. See our Webull review for the worked rules.

SoFi: 1% for eligible employer-plan rollovers through Capitalize

SoFi's current rollover match applies to eligible 401(k), 403(b), and 457(b) rollovers into a SoFi IRA when the rollover is initiated in partnership with Capitalize. The current legal terms say the offer period began August 26, 2026 and continues until SoFi changes, suspends, or terminates it.

• Rollover match: 1% of the eligible rolled-over check amount.
• Minimum rollover: SoFi's current rollover-match terms do not state a minimum rollover amount.
• Eligible source plans: 401(k), 403(b), and 457(b) plans, initiated with Capitalize.
• Not eligible: ACAT transfers and rollovers to SEP IRAs are excluded from this specific offer.
• Payout: within 5 business days after the rollover funds settle.
• Holding rule: the qualifying rollover is subject to a five-year retention rule. Early withdrawals can trigger a proportional match-removal fee; an ACAT transfer out can trigger a fee for the entire match.

E*TRADE: tiered cash credit up to $10,000

E*TRADE's current RETIRE26 promotion is not a flat rollover match. It uses funding tiers for eligible new retirement accounts, with cash credits ranging from $50 to $10,000.

• Current deadline: open an eligible retirement account by February 28, 2027.
• Funding window: generally within 60 calendar days of account opening under current terms.
• Holding condition: qualifying new funds or securities generally must remain in the new E*TRADE retirement account for at least 12 months after the 60-day funding period or the credit can be surrendered.
• Structure: cash credit depends on the amount of new eligible funds or securities deposited.
• Can't combine: E*TRADE says the enrolled retirement account can only be in one offer at a time and RETIRE26 cannot be combined with another offer.
• Important: compare the actual cash credit at your rollover size with a flat 1% match elsewhere.

The Headline Match Is Not the Same as Net Value

The headline percentage is where the math starts. Take a $20,000 qualifying rollover. A 1% match is $200 at Robinhood and Public. At Webull, the $200 match comes with a $40 annual Premium subscription, leaving $160 before any other costs if you would not otherwise buy Premium and you satisfy the full 12-month subscription rule. If Premium lapses early, Webull can charge back 100% of the transfer match. E*TRADE's $20,000 to $99,999 RETIRE26 tier pays $300, subject to its 12-month asset-retention rule. SoFi would pay $200 on an eligible employer-plan rollover through Capitalize.

Public's 1% is uncapped, but the current offer pays it in up to 60 monthly installments. Compare the dollars, subscription cost, payout schedule, and exit rules together.

How We Compare These Offers

What if you do not want to chase a bonus?

Fidelity remains a useful baseline because it competes more on retirement tools, support, investment selection, and a traditional brokerage experience than on a headline rollover match. If a bonus is the only reason one of the app-first platforms looks better, compare the long-term platform fit before moving retirement money.

Read our Fidelity IRA rollover review or compare the broader IRA rollover platform guide.

Frequently Asked Questions

Do the Rollover Right Before You Chase the Match

A match does not fix a rollover mistake. For an eligible employer-plan distribution, a direct rollover payable to the receiving custodian generally avoids the mandatory 20% withholding that applies when the taxable distribution is paid to you. If money is paid to you instead, the 60-day rollover clock also becomes relevant. See direct vs. indirect rollovers, rollover withholding, and common rollover mistakes. Moving pre-tax retirement money to a Roth IRA is generally a taxable conversion.