4 Easy Ways to Add Money to Robinhood Without Bank Account

how to add money to robinhood without bank account

Want to use Robinhood but don’t have a bank account? Although it’s not impossible, you will have very limited options for adding money to Robinhood without a bank account. 

So, how to add funds to Robinhood without a bank account? Here are four of the best ways:

  1. Connect Robinhood to Cash App Card
  2. Connect Robinhood to Chime
  3. Set up Direct Deposit
  4. Use Netspend card to transfer money to Robinhood

Keep reading because we’re going into details for each of the above methods. 

How to Add Money to Robinhood Without Bank Account

mobile trading

It turns out, that Robinhood supports many different financial apps and digital banks such as PayPal, Cash App, Chime, Netspend, and some other less-known apps. 

However, the trick to some of these methods isn’t adding these apps and cards to Robinhood, but adding Robinhood’s debit card to these accounts like a bank account. 

You will need a Robinhood Cash Management Account or a Spending Account for these methods to work and a debit card. More on the difference between the accounts we outline below. 

To connect to Robinhood’s debit card, you’ll need your Robinhood account and routing numbers. So, let’s see how to retrieve them.

How to Find Robinhood ACH Account Number and Routing Number

Your Robinhood routing number is provided by Sutton Bank. For that reason, all transfers in and out of the account will appear as transfers to and from Sutton Bank when viewing transaction history and statements. 

To find your routing and account numbers:

  1. Open the Robinhood app
  2. Tap the profile icon
  3. Tap on Transfers

Now that you have these numbers we can connect Robinhood to your preferred app. 

Note: The world of apps, and especially financial apps, is in constant change. What works one day may not work the other. If one of these methods doesn’t work, try another one.

How to Link Your Debit Cards

To add a debit card to Robinhood, you will need its routing and account numbers. When you have them, do the following:

  1. Open the Robinhood app
  2. Tap on the Account icon in the bottom right corner
  3. Tap on “Transfers”
  4. Tap on “Linked Accounts”
  5. Tap “Add New Account”
  6. Scroll down and tap “More Banks”
  7. Tap “I don’t see my bank”
  8. Select checking account
  9. Enter your routing and account number

1. Connect Robinhood to Cash App Card

First on our list is the super popular Cash App. You can open a limited Cash App account with just your basic information. However, to verify your account and raise the money transfer limits, you will need to add your full name, address, and last four digits of your SSN.

You will also need a Robinhood debit card that you get with the Cash Management account, which uses the same balance as your Brokerage account or a Spending account that you can open and have even without the brokerage account. 

To add a Robinhood debit card to Cash App:

  1. Open Cash App
  2. Tap on the profile icon in the top right corner
  3. Tap on “Linked Banks” or “Add Bank”
  4. Tap on “Link Bank”
  5. Enter your debit card number
  6. Enter your card’s expiration date
  7. Enter CVV
  8. Enter ZIP code

2. Connect Robinhood to Chime

You might think Chime is a bank, but you would be wrong. Chime is a fintech company, just like the above-mentioned Cash App. However, they are trying hard to look like a normal bank, but better. 

But, because it’s walking this thin line between a bank and a financial app, you can add it to Robinhood like you would any major brick-and-mortar bank such as Chase, Wells Fargo, Bank of America, etc. 

To add Chime to Robinhood, all you need to do is:

  1. Open the Robinhood app
  2. Tap the Account icon in the bottom right corner.
  3. Tap on “Transfers”
  4. Tap on “Linked Accounts”
  5. Tap “Add New Account”
  6. Choose your bank from the list, or use the search bar to search for Chime
  7. Enter your online banking username and password
  8. Choose which account you’d like to link (if you have more than one)

If you’re not familiar with Chime, it’s a so-called challenger bank that is focused on the unbanked and underbanked people. With Chime, you can send and receive money, build up your credit score, and access fee-free overdrafts. 

3. Set up Direct Deposit

set up direct deposit

Another way of adding money to Robinhood is to set up direct deposits from your payer, employer, or gig economy payer.

There are three ways of setting up direct deposits. You can do this from a computer or from the Robinhood app. Here’s how to do it via the app.

Online through employer or payroll provider

You can set up your direct deposit online via your company’s or payroll provider’s website using your account information by doing the following: 

  1. Tap on the Cash icon
  2. Tap on “Transfer”
  3. Tap on “Set up direct deposit”
  4. Tap on “Continue”
  5. Tap on “Use account & routing numbers”
  6. Use the account information and enter it into your company’s or payroll provider’s website

READ NEXT: Is Robinhood Available in Canada?

Online directly through Robinhood

online robinhood account

To set up DD directly via Robinhood by logging into your employer or payroll provider’s website from the Robinhood app:

  1. Tap on the Cash tab
  2. Tap on “Transfer”
  3. Tap on “Set up direct deposit”
  4. Tap on “Continue”
  5. Search for your employer or payroll provider 
  6. Log in to your employer’s or payroll provider’s website
  7. Answer questions regarding your direct deposit or verification questions
  8. If your information is verified successfully, you’ll see a confirmation screen

If your employer or payroll provider isn’t on the list of search results, you’ll have to use a different method. Tap the “X” at the top right of the screen and tap “Yes” to try another DD setup method.

Manually with a pre-filled form

To set up your direct deposit manually, you’ll need to submit a pre-filled form to your HR team:

  1. Tap on the Cash tab
  2. Tap on “Transfer”
  3. Tap on “Set up direct deposit”
  4. Tap on “Continue”
  5. Tap the “X”
  6. Tap “Yes”
  7. Tap “Get a pre-filled form”
  8. Tap “Continue”
  9. Choose your desired deposit amount
  10. Tap “Continue”
  11. Review your direct deposit info
  12. After review, tap “Sign the form”
  13. Sign the form by using your finger or stylus on your phone screen
  14. If all of the information is correct, tap “Send me the form” 

The pre-filled DD form will be emailed to the email address associated with your account and even sent to your Robinhood Messages.

4. Use a Netspend Card to Transfer Money to Robinhood

netspend card transfer money to robinhood

Netspend debit card is a prepaid card that should still work with Robinhood at the time of writing this. You simply add the debit card information to Robinhood as we already showed you above. 

To open a Netspend account is free and there are no credit checks. However, other fees can add up quickly so we don’t really recommend it for everyday use. 

There are also many ways for you to add cash to your Netspend card. You can do direct deposits, bank transfers, transfers from another Netspend user, tax refunds, PayPal, and even at one of more than 130,000 Netspend reload locations around the US. 

Can you link PayPal and Robinhood?


You used to be able to use PayPal Cash Card to transfer money to your Robinhood account. The card is free to apply for and you can use it to spend your PayPal account balance. 

So, that was an easy way of transferring money from your PayPal balance to your Robinhood account. 

Once you got your Cash Card, you were able to get the routing and account numbers that you used to add to your Robinhood account. However, Robinhood has dropped the support for PayPal cards even though they are issued by Wells Fargo. 

READ ALSO: Wise vs PayPal | The 7 Seven Important Differences

Robinhood Cash Management vs. Spending Account

Spending AccountChecking Account
FDIC InsuranceUp to $250kUp to $1.25 million
Debit CardYesYes
Direct DepositsYesYes
Early Direct DepositsYesNo
Sending ChecksYeasYes

Robinhood has different account types. We already touched upon this a little bit, but let’s dive a bit deeper now. 

Cash Management Account

This type of account is offered through your brokerage account. You get a debit card for free that you can use for paying bills, shopping, direct deposits, etc. It’s an integral part of your brokerage account.

At the time of writing this article, Robinhood wasn’t accepting any new applicants for its Cash Management accounts. 

With a Cash Management account you have more ways to add money to your brokerage account:

  • Link a bank account (you can use these funds in up to five business days)
  • Direct Deposit your paycheck or government deposits like tax refunds directly into your brokerage account
  • Use your ACH account number and routing number

Spending Account

Robinhood’s Spending Account exists separate from your brokerage account and you don’t even have to have a brokerage account to get it.

What sets it apart from the CMA is that you can get paid early if you have a direct deposit set up, you get round-ups and rewards, but you aren’t getting any interest on your spending balance. 

Robinhood Debit Card 

We mentioned RH’s debit card a couple of times already because we can use it to link to different financial apps. But, how do you even get one?

You can get RH’s debit card by upgrading your brokerage account to a Cash Management account or by signing up for the Spending account. 

You can use it just like any other Mastercard debit card. Meaning, to shop online, in-store, or to withdraw cash at more than 90,000 fee-free ATMs. 

You can get a virtual card or a physical one. Both of them can be added to Apple, Google, or Samsung Pay wallets.


It’s possible to add funds to your Robinhood account even without a bank account. However, that means that you will have to try and do it via Cash App Card, Chime, Netspend Card, or by setting up direct deposit.

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