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IRA & 401(k) Rollover Bonuses (November 2026)
Last updated November 1, 2026 · 5 offers
Moving an old 401(k) or IRA, or making this year's contribution? These 5 brokers pay you to do it: E*TRADE retirement offer, Webull IRA match, Robinhood IRA transfer match, Public transfer match, SoFi IRA match. Most IRA bonuses are a percentage match on the money you bring in, so they have no fixed dollar cap and score $0 in our ranking until you plug in your own balance. The catch is the hold: several require keeping the money in for years or the match can be clawed back. Every offer links its official source.
| # | Offer | Keep score | Max bonus | Min deposit | Lock-up |
|---|---|---|---|---|---|
| 1 | E*TRADE retirement offer: up to $10,000 Up to $10,000 when you open and fund a new eligible E*TRADE retirement account with promo code RETIRE26. Terms apply. | $10,000 | $10,000 | — | — |
| 2 | Webull IRA match: up to $2,500 (hold 5 years) With Webull Premium: 3.5% match on new external IRA contributions, plus a limited-time 1% match on IRA transfers/rollovers (max $2,500 on $250,000). Non-Premium: 1% contribution match. Self-directed IRAs only; internal transfers don't count. | $2,500 | $2,500 | — | Keep contributions/transfers 5 years; keep Premium 1 full year |
| 3 | Robinhood IRA transfer match: 1% match on IRA transfers / 401(k) rollovers (hold 5 years) 1% match on IRA transfers / 401(k) rollovers | $0 | — | — | 5 years or match can be clawed back |
| 4 | Public transfer match: 1% match on brokerage/IRA transfers 1% match on brokerage/IRA transfers | $0 | — | — | Paid monthly over 60 months |
| 5 | SoFi IRA match: 1% match on IRA cash deposits 1% match on IRA cash deposits, plus a separate 1% match on 401(k) rollovers (self-directed or robo IRA, excluding SEP IRAs). | $0 | — | — | — |
FAQ
Do IRA bonuses count toward my contribution limit?
Generally no. Promotional matches are typically paid by the broker and are not treated as your contribution, but check each offer's terms and a tax professional.
What happens if I move the money out early?
Most IRA matches require keeping the deposit for a set period (often five years). Withdrawing or transferring out early can forfeit or claw back the match.
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