- Get 1%–3% match on contributions, IRA transfers and 401(k) rollovers
- Choose your investments or get a recommended portfolio of ETFs
- Get bigger instant deposits, professional research and more with Robinhood Gold
- $0 annual fee and no stock or ETF commissions
- Robo-advisor and financial planning sessions
- Access private credit, venture capital and other alternative asset funds
- Get a 1% IRA Match on contributions and rollovers
Probability of Member receiving $1,000 is a probability of 0.026%; If you don’t make a selection in 45 days, you’ll no longer qualify for the promo. Customer must fund their account with a minimum of $50.00 to qualify.
Offer valid from 7/28/25 through 8/18/25. Customer must fund their Active Invest account with at least $50 within 45 days of opening the account. Receive a minimum of $10. Probability of member receiving $2,000 is a probability of 0.026% If you don’t make a selection in 45 days, you’ll no longer qualify for the promo. Percentages for the $2,000 are subject to decrease. See full terms and conditions
Terms and conditions apply*. For 401k rollovers, existing SoFi IRA members must complete 401k rollovers via this link For SoFi members without a SoFi IRA, a SoFi IRA must first be opened, and 401k rollover must be completed utilizing Capitalize via this link. SoFi and Capitalize will charge no additional fees to process a 401(k) rollover to a SoFi IRA. SoFi is not liable for any costs incurred from the existing 401k provider for rollover. Please check with your 401k provider for any fees or costs associated with the rollover. For IRA contributions, only deposits made via ACH and cash transfer from SoFi Bank accounts are eligible for the match. Click here for the 1% Match terms and conditions.
Must be a SoFi Plus member at the time a recurring deposit is received into your SoFi Active or Automated investing account to qualify. Bonus calculated on net monthly recurring deposits made via ACH and paid out as Rewards Points. See Rewards Terms of Service. SoFi reserves the right to change or terminate this promotion at any time without notice. See terms and limitations. https://www.sofi.com/sofiplus/invest/#disclaimers
- Trade stocks, ETFs, options, futures and bonds all in one place
- $0 commissions on stocks, ETFs and equity options, with low contract fees
- Limited-Time Offer. Deposit or transfer funds to earn: Get a 2% match and up to 8.1% boosted APY, plus a $100 cash bonus and a 30-day Webull Premium subscription voucher. T&C apply.
Matching employee contributions is not a new concept on its own — 401(k) has been doing just that since 1978 as part of the Revenue Act. However, it is not common for stock brokers, such as Robinhood or Acorns, to provide IRA match accounts. The few that do typically offer a 1% to 3% incentive to transfer your IRA accounts or leftover 401(k).
While the idea of free money is quite appealing, watch out for the IRS-defined contribution limits and the clawback period, which, at some brokerage firms, can go up to four years.
Top 5 IRA match account brokers for matching funds
Here are the top IRA match accounts, considering important features like the match percentage, the contribution amount required to benefit and the clawback period — or rather the amount of time the money you invested has to stay dormant.
Robinhood Retirement
Robinhood is a commission-free brokerage firm that provides trading in stocks, options, exchange-traded funds (ETFs) and cryptocurrencies through a user-friendly mobile app. It offers both a free IRA match account and a paid one. Both Robinhood IRA match accounts offer match percentages that can increase your retirement fund annually by 1% or 3%.
By paying $50 annually, or $5 monthly, for the subscription to Robinhood Gold, you can capitalize on the 3% Robinhood IRA match. The clawback period for both free and paid users is five years. Lastly, their ongoing promotion seems quite lucrative: transfer your IRA account funds or old 401(k) by April 30 and receive an unlimited 3% IRA match.
| Minimum deposit | $0 |
|---|---|
| Retirement account types | Roth, Traditional, Rollover |
| Annual fee | $0 per month |
| IRA match | Up to 3% |
| Minimum deposit | $0 |
|---|---|
| Retirement account types | Roth, Traditional, Rollover |
| Annual fee | $0 per month |
| IRA match | Up to 3% |
Go to site
Read review
SoFi IRA
SoFi is an online financial services company that offers investing, banking and lending products, including commission-free stock and ETF trading, a robo-advisor and access to human financial planners. The SoFi IRA match program offers a 1% match on contributions and rollovers, and the necessary idle time is two years.
There are no contribution limits on rollover from your 401(k), as rollovers are not considered new contributions by the IRS.
| Minimum deposit | $0 |
|---|---|
| Retirement account types | Roth, Traditional, SEP, Rollover |
| Annual fee | $0 per month |
| IRA match | 1% |
| Minimum deposit | $0 |
|---|---|
| Retirement account types | Roth, Traditional, SEP, Rollover |
| Annual fee | $0 per month |
| IRA match | 1% |
Go to site
Read review
Webull
Limited-Time Offer. Deposit or transfer funds to earn: Get a 2% match and up to 8.1% boosted APY, plus a $100 cash bonus and a 30-day Webull Premium subscription voucher. T&C apply.
Trade commission-free stocks, ETFs and options in a Webull IRA, automate your portfolio with its Smart Advisor robo-advisor and get a generous match on IRA contributions and rollovers with Webull Premium.
Earn a 1% IRA contribution match or 3.5% when you subscribe to Webull Premium for $3.99 monthly or $40 per year when you pay annually. Premium subscribers can also earn a 3% match on IRA transfers. You must keep your Premium membership for a year from the time of contribution and your contribution in a Webull IRA for five years to keep the match.
| Minimum deposit | $0 |
|---|---|
| Retirement account types | Roth, Traditional, Rollover |
| Annual fee | $0 per month |
| IRA match | Up to 2% |
| Minimum deposit | $0 |
|---|---|
| Retirement account types | Roth, Traditional, Rollover |
| Annual fee | $0 per month |
| IRA match | Up to 2% |
Go to site
Read review
Acorns Later
Acorns provides an IRA match account through its Acorns Later Match program, offering eligible users bonus contributions to their retirement accounts. Similarly to an employer contributing to a 401(k), Acorns Later Match invests money into your Acorns IRA match account up to a contribution limit.
Working on a subscription-based plan, there are two options. Acorns Silver offers 1% matching funds for $6 per month, and Acorns Gold provides 3% matching funds for $12 per month. The clawback period is two years for both subscriptions.
| Minimum deposit | $0 |
|---|---|
| Retirement account types | Roth, Traditional, SEP |
| Annual fee | $3 per month |
| IRA match | 1% or 3% depending on your subscription |
| Minimum deposit | $0 |
|---|---|
| Retirement account types | Roth, Traditional, SEP |
| Annual fee | $3 per month |
| IRA match | 1% or 3% depending on your subscription |
Go to site
Read review
Public IRA
Get up to $10,000 and transfer fees covered when you move your portfolio to Public
Invest in stocks, ETFs, bonds and options in your Public IRA, or automate your investment strategy with an Investment Plan. Plus, earn a 1% match on your contributions and, for a limited time, earn a 1% match on IRA transfers and rollovers.
Public offers commission-free stock, ETF and options trades, with options rebates and no options per contract fees, as well as a high-yield cash account that pays 4.1% APY as of July 2025.
| Minimum deposit | $1 |
|---|---|
| Retirement account types | Roth, Traditional, Rollover |
| Annual fee | $0 per month |
| IRA match | 1% |
| Minimum deposit | $1 |
|---|---|
| Retirement account types | Roth, Traditional, Rollover |
| Annual fee | $0 per month |
| IRA match | 1% |
Go to site
How does IRA matching work?
IRA matching is very similar to how a 401(k) works. Instead of employers matching contributions, brokerage firms do.
The similarities don’t end there. Like 401(k)s, the IRS imposes contribution limits on your individual deposits. Rollovers from your 401(k) aren’t subject to these limits. However, some brokers may impose certain requirements for matching.
What is the maximum I can contribute and earn?
What’s most appealing about an IRA match account is the seemingly free money. However, due to contribution limits, which are $7,000 for people under the age of 50 and $8,000 for people over 50 in 2025, the payout is not that competitive.
If the match percentage is 1%, the most an investor can earn is $70, or $80 if the person is over 50 years of age. And if the match funds percentage is 3%, the amount you can earn jumps up to $210 or $240, respectively.(1)
Pros and cons of choosing a broker with IRA matching
Pros
- Retirement savings boost. IRA matching adds move savings to your retirement funds, which compound over time.
- Encourages consistent investing. An IRA match can make contributions more rewarding and encourage you to invest consistently to earn that free bonus.
- Upwards market fluctuations. Neither brokers nor the IRS are concerned with the value of funds in your account. Any growth is considered interest and doesn’t count toward your contribution limit.
Cons
- Overlooking other features. Picking a broker purely based on one feature while overlooking others might not provide you with everything you need.
- Long idle period. Depending on the broker, the period in which you must keep the money in the accounts to maintain your bonus earnings can range from one to five years.
Bottom line
IRA match accounts are a great way to enhance your retirement savings through additional contributions from brokers. By evaluating various options like Robinhood, Public and Acorns, you can maximize your retirement funds while considering other factors such as clawback periods, contribution limits and fees.
If IRA matching isn’t your main concern, consider other top brokers that offer a variety of features to fit your financial goals and investment preferences.
Frequently asked questions
Is a 1% match good?
A 1% match is better than nothing, but it’s not so influential on its own. If you roll over $10,000 from your 401(k), the broker will contribute 1% or $100. There are better options than 1% IRA match accounts, as some brokers offer up to a 3% funds match.
When choosing your IRA match broker, it is important to consider other factors, including the clawback period, fees and contribution limits.
What is the best IRA broker for fund matching?
The best IRA broker for fund matching may be Robinhood until April 30. Until then, there’s no contribution limit on the rollover from your 401(k) into Robinhood IRA match accounts. After that date, the five-year clawback period becomes less competitive compared to other IRA match accounts.
Ultimately, the best IRA broker is the one that suits your needs, budget and investment strategy.
Is there a match for a Roth IRA?
Roth IRAs do not come with employer-matching contributions because they are individual retirement accounts rather than workplace-sponsored plans. Unlike 401(k) accounts, which often include employer matching as a benefit, Roth IRAs are funded entirely by the account holder with after-tax dollars.
However, some brokerage firms, like Robinhood, offer promotional incentives or rewards that function similarly to a Roth IRA match account, providing additional contributions based on deposits or transfers. While these offers can enhance retirement savings, they are not the same as traditional employer matching and vary by provider.
For example, the IRS notes that employer matching contributions are typically made to employer-sponsored retirement plans like 401(k)s, not to individual accounts like Roth IRAs.(2)
