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Robinhood Refund Policy
Last verified
Official Robinhood PolicyOfficial source
robinhood.com/us/en/support/articles/robinhood-gold-card-disputes
Rechecked : robinhood.com still states the headline terms shown here (60 days). How we verify
Video Guides
How to Get a Refund — Step by Step
- 1Robinhood Gold Card: open the transaction's details, select "Report an issue" and choose what's wrong (for example "I don't recognize it" or a merchant issue).
- 2For merchant problems, contact the merchant first; if it isn't resolved and the transaction has posted, dispute it in the app.
- 3Robinhood Banking: find the transaction in your history and select "Report an issue" on the transaction details.
- 4If you can't report it in the app (or a Gold Card transaction is over 60 days old), contact Credit support via Menu (3 bars) → Customer support → Contact support.
When You Can Get a Refund
- Refunds for purchases are issued by the merchant, not Robinhood; Robinhood handles disputes for Robinhood Gold Card and Robinhood Banking transactions.
- Gold Card dispute reasons include suspected scam, paid by other means, overcharged, charged multiple times, charged for a canceled service, product or service never received or not as described, and product returned but no credit issued.
- Unrecognized pending transactions can be disputed immediately; merchant issues (like a double charge or an item not received) can only be disputed after the transaction fully posts.
- Robinhood will not reimburse customers if their actions facilitated or enabled unauthorized account activity, or if they fell victim to a scam where they conducted the activity or provided support to the party who performed it.
- Crypto transfers are final and can't be canceled or reversed, even by Robinhood.
- Accidental deposits can't be canceled once your bank processes the transfer; you can withdraw the money after it settles.
- Point redemptions through the rewards program cannot be reversed or canceled once initiated.
All Refund Methods
- Merchant refunds post back to your card account automatically once the merchant issues them.
- While a dispute is investigated you may get a provisional credit; it becomes permanent if the dispute is resolved in your favor and is reversed if it's decided for the merchant.
- Robinhood Banking: if a dispute isn't resolved within 10 days, you'll receive a provisional credit.
- For Robinhood Gold Card, any interest fees incurred on disputed transactions will be automatically reimbursed if the credit due date passes before provisional or permanent credit is received.
Partial Refunds
- Overcharges can be disputed (Gold Card reason "Overcharged").
- Interest fees incurred on disputed transactions for the Robinhood Gold Credit Card are automatically reimbursed if the credit due date passes before a provisional or permanent credit is received.
Dispute Process
- When a Gold Card dispute is opened, the disputed amount is removed from your balance and isn't included in upcoming payments while it's investigated.
- If applicable, you'll receive a provisional credit and email updates; the investigation can last up to 90 days.
- Robinhood Banking: debit card disputes can take up to 90 days and ACH, internal transfer, ATM and other disputes up to 45 days, with updates in the app or by email.
- If a Robinhood Gold Credit Card dispute is resolved in the merchant's favor, an email titled 'Dispute Resolution Notice' is sent, and users can reply with additional information within 10 days if they believe the decision was an error.
- Receipts, screenshots, tracking numbers or email confirmations can help speed up the investigation.
Additional Notes
- Robinhood is discontinuing spending accounts (scheduled closures began December 2025); the Robinhood Cash Card is no longer supported.
- For past spending account transactions, disputes can still be filed at any time, but to avoid liability for an unauthorized transaction file within 60 calendar days of the statement showing it; call 888-275-8523 or write to 85 Willow Road, Menlo Park, CA 94025.
- If a merchant refund hasn't appeared after 15 business days, contact Credit support or dispute the transaction.
- Robinhood does not restrict any rights or protections under Regulation E for eligible transactions.
- Instant withdrawals to a debit card or bank account can incur a 1.75% fee (minimum $1, maximum $150 per transaction).
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