Robinhood Banking
Robinhood Banking has 115,678 ratings (+23.4% in 30 days), averaging 4.9 stars, #144 of 34,791 in Finance.
Also in the last two weeksv2.27.1 on 20 Oct
Description
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The power of private banking paired with the only credit card you’ll need.
GOLD CARD
• Earn 3% cash back on all categories².
• Use virtual cards with disposable card numbers for smarter, more private spending.
• Securely manage your account—track spending, report suspicious transactions quickly, and freeze or unfreeze your card at any time.
• Build your family's credit with the option to add cardholders of any age and track spending, set spending limits, and lock lost cards.
• Enjoy no annual fee for Robinhood Gold members².
• Travel, shop, and spend confidently with built-in protections, extended warranties, and 24/7 concierge support through Visa Signature.
ROBINHOOD BANKING
• Explore elevated essentials for modern banking like high-yield Savings accounts, 35,000 no-fee ATMs, 24/7 customer support, and more.¹
• Get full-service banking—wire transfers, check services, premium checkbooks—without ever visiting a branch.
• Unlock premier banking benefits like high-yield on Checking, free wire transfers, and no-fee ATMs including out-of-network rebates with an eligible direct deposit, over $100K in assets across Robinhood, and a Robinhood Gold membership.
Disclosures:
Robinhood Gold Visa® Card is offered by Robinhood Credit, Inc., and is issued by Coastal Community Bank, pursuant to a license from Visa U.S.A. Inc. Robinhood Credit, Inc. (RCT), is a financial technology company, not a bank.
Individual credit limits will vary by applicant and are subject to credit approval and underwriting. See if you’re approved with no impact to your credit score. Your credit will not be impacted unless you decide to accept the card offer.
¹All features and benefits require a monthly direct deposit amount of at least $1,000 into a Robinhood Checking account. Try benefits without direct deposit for a limited preview of 60 days. Transaction limits and fees may apply and depend on your relationship tier. An active Robinhood Gold subscription is required for Robinhood Banking. The Annual Percentage Yield (APY) is accurate as of January 29, 2026, and may change at any time before or after account opening.
²See full rates and fee details. Some limitations or conditions may apply. Must have Robinhood Financial brokerage account to redeem cash back. See rewards program terms for details. Rewards program terms are subject to change. To earn three (3) Points for each dollar of Eligible Purchases, the Robinhood Gold Card requires an active annual Robinhood Gold subscription and does not include a 30 day free trial. Robinhood Gold is a subscription-based membership program of premium services offered through Robinhood Gold, LLC (RHG). RCT and RHG are subsidiaries of Robinhood Markets, Inc. (Robinhood).
Robinhood Banking is a financial services platform offered by Robinhood Money, LLC (RHY). RHY is a financial technology company, not a bank. Banking services are provided by Coastal Community Bank, Member FDIC. FDIC insurance only covers the failure of an FDIC-insured bank. FDIC insurance is available through pass-through insurance at Coastal Community Bank, Member FDIC, if certain conditions have been met. RHY is a subsidiary of Robinhood.
Robinhood, 85 Willow Road, Menlo Park, CA 94025.
© 2026 Robinhood. All rights reserved.
Reviews Reviews the App Store features, not the newest.
From 107,779 ratings.
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★★☆☆☆ Lacking Fundamental Features PhotoEdgic · 13 Aug 2026The apps interface is clean and aesthetically pleasing, and the features it does have are nice such as the ability to organize and view all your accounts (or whatever will connect with Plaid) in one space while allowing the ability to hide accounts. What’s less impressive is that you cannot automate transfers to Robinhood investment accounts or create weekly IRA contributions and there is no “split pay” feature. The banking side was advertised and spun as a way to combine your accounts and split your pay across different “buckets” such as checking, savings, investing, and retirement but this w
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as not cleanly integrated when accessing the app. The ability to automatically set aside a little to savings seems relatively commonplace in neo-banking apps and for an app-only banking platform with a paywall requirement to access, you’d think it would include basic features like that, but the biggest drawback is losing access to weekly recurring deposits and IRA contributions in lieu of weekly manual transfers in the accounts. Until these sort of basic features are added, the app will remain lowly rated for me as I switched to this platform for these features.Developer reply · 14 Aug 2026Hello! Thanks for taking the time to share your thoughts. We appreciate your compliments on the app's aesthetics. However, we hear your concerns about missing automated features like split pay and recurring IRA contributions. We're constantly evolving the platform, and feedback like yours helps us prioritize what fundamental tools to build next. We will be sure to pass these specific requests along to our development team for future consideration. Thank you for helping us make using Robinhood easier! -
★☆☆☆☆ Good until you need assistance brucilini · 16 Jul 2026I use credit cards to do almost all my daily transactions. The reason why is if there is ever a need to dispute something, usually the credit card is much easier to work with than a debit card. It keeps your funding separate from transactions. I have in my life counted the number of times I needed this protection on one hand. Prior to Robinhood these all resolved in my favor and it was clear cut. Out of hundreds of transactions and nearly $20,000 spent with their credit card, I had one $99 transaction that I dispute it. It literally took Robinhood three months to make make a resolution. There
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was a very clear cut case that this was a fraudulent charge. They declined it, recharged me, and when I got mad at them about it, they came back and asked all the same questions I did ask before. In fact, this was the third time I was answering the exact same questions. They didn’t take any time to review what I wrote and told them. I closed all of my Robinhood investing positions today. I took Robin Hood off of every single payment that it was set up the pay. I’m closing all my accounts. Be careful. -
★☆☆☆☆ Vague terms to avoid paying rewards after several months of use. UghFine how is this nickname · 13 Jul 2026We recently had a contractor work on our residential house after noticing leaking pipes - this transaction got flagged by Robinhood as not being a personal transaction and without warning Robinhood said they were going to stop paying for 3% rewards and any transactions they felt weren’t for personal use would be rewarded at 1%. We’ve been spending a lot of money on health insurance this year, and since that decision Robinhood made, we no longer get 3% back on our health insurance that was previously paid out. That’s incredibly a very personal transaction to our household especially with an inf
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ant and this writer being in postpartum recovery. We will now be moving to a different rewards card that values their customers and their terms/agreements because what it seems like to me is that Robinhood doesn’t want to reward loyal members who pay off their card every month, who make big purchases, and who continue to make big purchases without paying interest. If we consistently knew what was 3% versus 1% this wouldn’t be an issue, but it seems like it’s a being the scenes decision by Robinhood and their vague language keeps it that way. Disappointing but not surprising given Robinhood’s reputation. -
★★★☆☆ External Transfers POWERFULAA · 3 Apr 2026If you’re considering setting up direct deposit with Robinhood, I would strongly advise you to think twice. Based on my experience, you may not actually have immediate access to your funds when they arrive. There can still be delays of 1–3 days before you’re able to use your own money. In situations where you need access right away, that delay becomes a serious problem. What’s more concerning is that customer support was not able to provide any immediate solution when I needed help. If you’re in an urgent situation and relying on those funds, you could find yourself stuck with no real option
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s. This also creates major limitations beyond emergencies. If you’re trying to move quickly on a financial opportunity, whether it’s an investment or time-sensitive decision, delays like this can cause you to miss out entirely. Robinhood has positioned itself as a modern financial platform, but situations like this fall short of the expectations people have from traditional banks like Wells Fargo or Chase, where access to deposited funds is typically more reliable. I’m not saying the platform is entirely bad, but this is a serious issue that needs improvement. At the very least, there should be clearer warnings so users understand that “available funds” may not actually be available when they need them most. Especially for paying Members. -
★★☆☆☆ Can’t do what most online banking provides. L5567 · 20 Mar 2026What exactly is the upside using Robinhood as a Banking app if you can’t send money directly to the debit card from another account in a fast manner… I have multiple other accounts with Chime, Cash app, PayPal, Venmo, heck even the DoorDash card allows you to make direct deposits to a debit card. This needs to be changed. How are you supposed to compete with all the other online app based banks if you can’t do with the majority of online banks can? Highly frustrating that now my funds are in a limbo and unable to access for what I have been told may take up to three days. Not dimension while c
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ontacting chat support, a response was averaging 5 to 10 minutes per message with Very little communication between me and the agent. None of this convinces me to continue using this banking app. Quite honestly, this is pretty disappointing that Robinhood as large and successful as it is does not support these type of transactions. -
★☆☆☆☆ Beware - can’t handle transactions dlmanuel · 13 Jan 2026This has happened to me twice already. And you can’t get a customer service agent to save your life. Their transactions (payments and charges) get all screwed up and delayed and then they try to charge you a returned payment fee. What happened is, I made a payment (at least I thought I did) but it didn’t show as pending and nothing went through after like a week. And so I made a payment again and this time it went through and showed immediately, and so I figured I just hadn’t made the original payment that I thought I did. ONE WEEK AFTER that, they try to withdraw the original payment tha
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t you did actually make. And so I keep my accounts separate and allocated for certain things so then it bounced back and they charged me a fee. This happened twice so far that they try to withdraw the initial payment so late that I didn’t think I actually paid and I end up paying again. And then they will put a hold on your card because of said payment so your available credit is a lot less than it should be. This is the most amateur thing I’ve ever seen. Oh and there’s no customer service whatsoever. Only texting no phone calls. -
★★★★☆ Great card all around l- App Appearance Recommendations c0ltron881 · 21 Jun 2025This is a phenomenal card. I think one of my favorite innovations is the digital cards you can create. This review is mainly for the app appearance and a couple functional things I would love to see. I think the UI on the app is pretty solid, but RH should get some cosmetic inspiration from. the American Express app. It's very intuitive and it looks good. I think you guys should implement a setting where you can change the color scheme, because I personally prefer a primarily white background in my apps, and the black background makes it seem like I have dark mode on and it's not very invitin
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g. I also really like the AMEX Venmo partnership where you can Split transactions on the AMEX app and it sends a Venmo request to whoever you want to split it with, and when they pay it automatically deduct amount from your credit card statement on the app without you having to do anything. -
★★★★★ Customer Service Seabass2018 · 10 May 2025I usually never read or give reviews for apps that I like, but I have been a user as well as a customer of Robin Hood and the Robin Hood credit card, and Robin Hood brokerage for quite some time now when the Robin Hood credit card came out I was a little bit nervous about the aspect of it based off of people‘s opinions on it, but I wanted to take the risk because I saw the benefit in having this card. The Robin Hood credit card is currently my favorite credit card to use and the customer service is fantastic. I appreciate the fast easy text message Between me the client and Robin Hood spokes p
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eople so I can get the help that I need. I also appreciate the fast points that are convertible to cash that I can then put into a high-yield savings account in my Robin Hood account. I am super excited about the upcoming features and one thing I do wish is that the logo was different than the Robin Hood app. -
★★★★★ Works great for us Blind users now! Mike C in Orlando · 23 Apr 2025A while back, I contacted customer service after getting this card. I am totally blind and use the iPhone with voiceover. I got a very friendly call back very quickly and a promise that it would be addressed right away. The problem was that voiceover on the iPhone was not working with this app. So I had a card that was great that I couldn’t use or Monitor. So, I waited a while, and then all of a sudden it started to work! The work that they’ve done as surpassed my expectations, while they have a small couple of corner places to still fix, the app is great! Thank you so much for listening to yo
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ur Blind customers. We appreciate you and I will be letting anyone in my community know that Robin Hood cares about accessibility and it’s visually impaired consumers. Thanks again! Oh yes, and the 3% really helps! ;-) -
★★★★☆ AI agents? Khkreview1 · 5 Apr 2025If you are using AI agents for customer queries, this is my feedback, they are working and responding great but not human friendly nature, a person who is upset with something will definitely be not present but if ai agent responds in same tone that does not make much help, from my side I requested to have a customized autopay date instead of just 3 days after billing date but 20 days ahead of due date, initially humans responded in email that they can see it up , later looks like ai took over and harsh to say that it can not be changed. May be that’s the way you want to run your business by g
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iving less time to pay bills but give more reward but those caveats should be informed in highlights, I am still happy to use but restricted to use in those categories where others are not giving 3% in that category of purchase
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Growth change in ratings
| Per | Growth | Growth % | Actual change | Measured over |
|---|---|---|---|---|
| day | Not enough history yet | |||
| week | +3,143 | +2.8% | +4,085 | 9.1 days |
| month | +19,811 | +23.4% | +31,184 | 47.2 days |
| year | Not enough history yet | |||
How these figures are measured
Change in ratings, scaled to each window from the real gap between crawls. A window needs a full period of history before it reports anything.
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