Getting your money out of Robinhood is usually a straightforward process, but there are a few "speed limits" you should know about to avoid any surprises. Whether you're moving a small amount or a large sum, the limits depend on how you're transferring the cash and your account's verification status.

Here is a breakdown of how much you can take out at once.

Standard Bank Transfers (ACH)

For most users, the standard way to move money is via an ACH transfer to a linked bank account. This is the most common method and has the highest limits.

  • Daily Limit: Most verified users can withdraw up to $50,000 per business day.
  • Frequency: You can typically initiate up to 5 withdrawals per day.
  • Reset Time: These limits generally reset at 7:00 PM ET on business days.
  • Timeline: It usually takes 1 to 3 business days for the funds to land in your bank account.

Instant Withdrawals

If you need your cash immediately, Robinhood offers an "Instant" option to your linked debit card or bank account.

  • Daily Limit: These limits vary based on your account's history and eligibility but are generally lower than ACH limits. You can check your specific daily cap in the app under Transfers → Transfer Limits.
  • Fees: Unlike standard transfers, instant withdrawals come with a 1.75% fee (with a minimum of $1 and a maximum of $150).
  • Timeline: Funds usually arrive within minutes, though it can take up to 24 hours depending on your bank.

ATM and Spending Account Limits

If you use the Robinhood Cash Card, your limits are a bit different:

  • Daily ATM Limit: Usually capped at $510 per day.
  • Monthly ATM Limit: Typically $5,000 per month.
  • Point of Sale: There are also daily spending limits for card purchases, which you can view in the Spending section of the app.

Crucial "Gotchas" to Keep in Mind

  • Settlement Periods (T+1): You can't withdraw money the second you sell a stock. Most trades take one business day to "settle." If you sell a stock on Monday, that cash won't be "withdrawable" until Tuesday.
  • Pending Deposits: If you recently deposited money, you must wait 5 business days before you can withdraw those specific funds (even if you've already used them to trade).
  • Account Minimums: If you use Margin Investing, you must maintain at least $2,000 in account value. If a withdrawal would push you below that, it may be blocked unless you disable margin.
  • Large Withdrawals: If you need to move more than $50,000, you may need to contact Robinhood support to request a limit increase or initiate a wire transfer, which may involve additional verification steps.
Pro-Tip: To see your exact, up-to-the-minute limits, open the Robinhood app, tap the Account icon → Menu → Transfers → Transfer Limits.