IRA Bonus Details
All the brokers we list offer unique IRA promotions and benefits. Some provide large match bonuses, others have low-cost investment options, and some even give out free stocks.
Firstrade
Firstrade offers a special IRA deal that refunds up to $250 in ACATs fees when you transfer your IRA to them.
If you move your IRA to Firstrade, you might get a bill for ACAT transfer fees from your old broker. If you pay this bill, you can send Firstrade a copy of the receipt, and they'll reimburse you.
To get this bonus, you need to have at least $2,500 in your account and keep it there for a year.
Why Firstrade?
Firstrade is a great choice for an IRA because it offers free trading. While many brokers claim to be "commission-free," they still charge fees for things like options contracts, mutual funds, and OTC securities. Firstrade doesn't charge these fees.
Another reason to choose Firstrade is the wide range of investment options available, allowing investors to diversify their portfolios uniquely. Firstrade offers access to stocks, ETFs, a large selection of mutual funds, fixed-income products, penny stocks, and options trading.
Charles Schwab
Charles Schwab's IRA promotion offers a deposit match that could give new account holders up to $1,000 when they open and fund a new account, including IRAs.
The bonuses at Schwab are tiered, depending on how much you deposit:
$25,000 - $49,999 = $100
$50,000 - $99,999 = $300
$100,000 - $499,999 = $500
$500,000 or more = $1,000
Make sure to deposit your desired amount within the first 45 days of opening your account to get your bonus, which is paid soon after.
Why Schwab?
Charles Schwab is a large, stable company that offers extensive research resources, advanced trading platforms, and expert analysis.
You can choose from a wide range of investment options to fit your financial goals and risk tolerance. Plus, Schwab is a zero-commission broker, meaning there are no fees for trades and no minimum account balance required.
Robinhood
Robinhood offers a unique match bonus for IRA rollovers and new contributions, making it an attractive option.
Robinhood's IRA Match program offers two levels: standard and Gold. Standard accounts receive a 1% match on contributions and transferred funds, like from an old 401(k). Gold members receive a 3% match.
There's no limit to the amount Robinhood will match. If you transfer IRAs from other brokers, you could instantly earn 3% on those funds by signing up for Robinhood Gold and transferring your accounts.
Two things to consider: you must keep the transferred amount in your account for five years to keep the bonus, but during that time, your money can grow.
Why Robinhood?
Robinhood is popular for its user-friendly interface, accessibility on mobile devices, low trading fees, and direct access to stocks and ETFs as well as cryptocurrencies. The Robinhood Spending account also integrates well with other services offered by the broker.
Webull
Webull is known for its generous bonus offers, particularly for IRAs.
Webull's ongoing promotion rewards new accounts with up to 75 stocks from major US companies, depending on the amount deposited. Here are the tiers:
- Up to $499.99 deposit: 3 fractional shares
- $500 to $24,999 deposit: 20 stocks
- $25,000 and over deposit: 75 stocks
To keep the stocks, you must leave your deposit in your Webull account for at least 30 days.
Webull also offers a Spring IRA Match promotion, giving a 3.5% match on deposits. Keep the qualifying amount in your account for five years to keep the bonus, receiving 20% of the 3.5% each year.
Why Webull?
Webull appeals to active traders with its advanced trading features, seamless platform integration, customizable dashboards, and support for multiple monitors. It's also a commission-free broker, meaning it doesn't charge fees for options contracts.
Acorns
Acorns is another broker offering special IRA options through 'Acorns Later'—perfect for those who prefer a passive, automated investment approach. When you open a new Acorns account and fund it with at least $5, you get a $20 bonus.
Acorns Later offers SEP IRAs, Traditional IRAs, and Roth IRAs, all benefiting from Acorns's effective financial management tools.
Why Acorns?
Acorns is ideal for those seeking simplicity and automatic investing. Your contributions are invested in ETFs based on your chosen portfolio balance, which you can adjust any time.
Updated on 2/1/2026.
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