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Robinhood Refund Policy

Last verified: 2026-03-19

Official Robinhood PolicyVerified

robinhood.com/us/en/support/articles/what-is-the-lifecycle-of-a-spending-account-dispute

Summary

Robinhood offers refunds within For spending account transactions, disputes should be filed within 60 calendar days from the date the monthly statement showing the disputed transaction was made available to avoid potential responsibility and to qualify for temporary credit. Disputes can still be filed after 60 days, but temporary credit may not be issued. For Robinhood Gold Credit Card transactions, disputes must generally be reported within 60 days; transactions older than 60 days cannot be disputed in the app.. Processing time: Provisional credit for Regulation E disputes can be issued within 10 business days. Full resolution for Regulation E covered disputes can take up to 45 or 90 days. For non-Regulation E disputes, resolution can take up to 120 days. Simple disputes, such as duplicate charges, are usually resolved within 5–10 business days (one to two weeks). Complex cases may require additional investigation and can take longer.. Refund methods include provisional credit may be issued within 10 business days for eligible regulation e covered disputes while the investigation is in progress. and if a dispute is resolved in the user's favor, the disputed amount is credited back to the account.. Refunds are primarily for unauthorized transactions on Robinhood Spending Accounts, Cash Cards, and disputes on the Robinhood Gold Credit Card..

Refund Window

For spending account transactions, disputes should be filed within 60 calendar days from the date the monthly statement showing the disputed transaction was made available to avoid potential responsibility and to qualify for temporary credit. Disputes can still be filed after 60 days, but temporary credit may not be issued. For Robinhood Gold Credit Card transactions, disputes must generally be reported within 60 days; transactions older than 60 days cannot be disputed in the app.

Processing Time

Provisional credit for Regulation E disputes can be issued within 10 business days. Full resolution for Regulation E covered disputes can take up to 45 or 90 days. For non-Regulation E disputes, resolution can take up to 120 days. Simple disputes, such as duplicate charges, are usually resolved within 5–10 business days (one to two weeks). Complex cases may require additional investigation and can take longer.

Refund Method

Provisional credit may be issued within 10 business days for eligible Regulation E covered disputes while the investigation is in progress.

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How to Get a Refund — Step by Step

  1. 1For Spending Account/Cash Card: Open the Robinhood app, go to 'Spending' → 'Recent History'.
  2. 2Select the specific transaction you wish to dispute from your recent history.
  3. 3Scroll down and select 'Dispute transaction'.
  4. 4Choose the appropriate reason for the dispute and follow the prompts to provide further details and submit your claim.
  5. 5For Robinhood Gold Credit Card: Access support in the app by selecting Menu (3 bars) → Customer support → Contact support to report an unrecognized transaction.
  6. 6For general contact or if app access is unavailable: Call 888-275-8523, use the in-app or web chat, or write to Robinhood at 85 Willow Road, Menlo Park, CA 94025.

When You Can Get a Refund

  • Refunds are primarily for unauthorized transactions on Robinhood Spending Accounts, Cash Cards, and disputes on the Robinhood Gold Credit Card.
  • Disputes can also be filed for issues such as goods/services not received, incorrect billed amounts, funds not disbursed from an ATM, credit not processed by a merchant, duplicate transactions, defective merchandise, canceled recurring payments, or transactions paid by other means (for spending accounts).
  • Refunds are generally not available for crypto trades, accepted payments, investment losses, or user errors.
  • 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.
  • Accidental deposits cannot be 'refunded'; funds must settle before they can be withdrawn.
  • Point redemptions through the rewards program cannot be reversed or canceled once initiated.

All Refund Methods

  • Provisional credit may be issued within 10 business days for eligible Regulation E covered disputes while the investigation is in progress.
  • If a dispute is resolved in the user's favor, the disputed amount is credited back to the account.
  • For Robinhood Gold Credit 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.
  • Reversal of fraudulent transactions may occur if an account was frozen due to unauthorized access, following investigation.

Partial Refunds

  • Disputes for incorrect billed amounts imply the possibility of a partial refund to correct the discrepancy.
  • 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

  • Robinhood will investigate the dispute claim.
  • For Regulation E covered disputes, a provisional credit may be issued within 10 business days if the investigation is ongoing.
  • Under card network rules, the merchant has up to 90 days to respond to a dispute claim.
  • A decision on the dispute (error or no error found) will be completed within 45 or 90 days for Regulation E covered disputes, and within 120 days for non-Regulation E disputes, depending on the merchant's response and Robinhood's investigation.
  • Users are notified via email or through the app once the dispute has been reviewed and a resolution is applied.
  • 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.
  • Providing clear transaction details, screenshots, and relevant communications can help accelerate the investigation.

Additional Notes

  • Robinhood primarily handles disputes and reversals for unauthorized transactions or errors related to Spending Accounts, Cash Cards, and the Robinhood Gold Credit Card, rather than general refunds for investment outcomes.
  • Once payments are accepted, Robinhood cannot reverse or refund them; the user must directly ask the recipient for a return.
  • Users are encouraged to contact the merchant directly about their spending account dispute for a potentially quicker resolution.
  • Robinhood does not restrict any rights or protections under Regulation E for eligible transactions.
  • If a Robinhood Cash Card is lost or stolen, it should be reported immediately in the app to cancel the card and receive new card information.
  • Withdrawals of deposited funds are generally available after full settlement, which is typically within 7 days after the deposit is initiated.
  • Instant withdrawals to a debit card or bank account can incur a 1.75% fee (minimum $1, maximum $150 per transaction).