Home Online Viral Drama 1

The Ultimate Guide To Webull's IRA Transfer Bonus: Up To 3.5% Match And $100 Reimbursement (2025-2026)

• minute read
Contents

Securing a significant bonus when transferring your retirement account is a powerful strategy to boost your long-term savings, and as of December 21, 2025, Webull is continuing to offer one of the most aggressive incentives in the brokerage industry: a substantial percentage match on incoming IRA assets. This guide cuts through the fine print to detail the current, most lucrative Webull IRA transfer promotions, including the popular 3.5% match and the essential transfer fee reimbursement, ensuring you can maximize your retirement nest egg before the 2026 tax season begins.

The core of Webull’s current offering is a tiered, percentage-based bonus designed to attract large retirement account transfers, specifically targeting Traditional, Roth, and Rollover IRAs. Understanding the exact requirements—including the transfer method, holding period, and tax implications—is critical to claiming your full reward and avoiding unexpected fees or delays.

Webull IRA Transfer Bonus Tiers and Current Promotions (Late 2025/Early 2026)

Webull's primary incentive for new and existing clients transferring a retirement account is a high-percentage match on the value of the assets moved. This promotion is consistently one of the most competitive in the market, often fluctuating between 3% and 4%. The most widely reported and active promotion as of late 2025 is the 3.5% match.

The Webull 3.5% IRA Transfer Match Program

This is the flagship offer, designed for investors with substantial retirement holdings. The bonus is calculated as a percentage of the total assets (cash and securities) transferred into an eligible Webull IRA account.

  • Bonus Percentage: Up to 3.5% match on the total settled value of the transferred assets.
  • Maximum Cap: The 3.5% match applies to assets up to $1,000,000, meaning a potential maximum bonus of $35,000.
  • Eligible Accounts: Traditional IRA, Roth IRA, Rollover IRA, and assets rolled over from a former employer’s 401(k).
  • Transfer Method: The transfer must be an ACATS (Automated Customer Account Transfer Service) transfer from a non-Webull brokerage.
  • Holding Requirement: To receive the full bonus, the transferred assets are typically subject to a lengthy holding period, often requiring the net deposit to be maintained for at least one year, and in some cases, the bonus payout is staggered over multiple years (e.g., 2025 through 2029).

Transfer Fee Reimbursement (Up to $100)

A major barrier to switching brokers is the outgoing ACATS fee, which can be as high as $75 or more at your current institution. Webull addresses this by offering a fee reimbursement.

  • Reimbursement Amount: Up to $100 cash reimbursement for the outgoing transfer fee.
  • Minimum Transfer: To qualify for the reimbursement, the incoming transfer must generally be $2,000 or more.
  • How to Claim: You must provide Webull with a statement from your previous brokerage showing the transfer fee charge. The reimbursement is typically credited to your account after the transfer is complete.

The Critical Fine Print: Holding Periods and Payout Schedule

The most common mistake investors make is failing to understand the time commitments required to fully receive and keep the transfer bonus. Webull's promotions are contingent upon maintaining the net deposited value for a specific duration.

Mandatory Holding Period

All brokerage transfer bonuses come with a minimum holding period to prevent clients from simply taking the cash and immediately moving their assets elsewhere.

  • Initial Asset Hold: Assets transferred via ACATS are typically subject to an initial hold period of up to 30 calendar days after settlement before they can be withdrawn or transferred out.
  • Bonus Holding Period: The primary condition for the 3.5% match is maintaining the net transfer amount for an extended period, often 270 calendar days or even longer (e.g., one year). If you withdraw or transfer assets out before this period ends, Webull reserves the right to claw back the bonus amount.
  • Net Deposit Requirement: The requirement is based on your "Net Deposit," meaning the total amount transferred in minus any withdrawals or outgoing transfers during the qualification period.

Understanding the Staggered Payout

For the large percentage-match bonuses, the reward is often not paid as a lump sum. This is a crucial detail for financial planning.

For example, the 3.5% match has been structured in the past to be paid out in five equal annual installments. If you transferred $100,000, your $3,500 bonus would be paid as $700 each year for five consecutive years (e.g., April 1st of 2025, 2026, 2027, 2028, and 2029). You must maintain the required net deposit throughout this entire period to receive all installments.

Tax Implications and Contribution Rules You Must Know

A common point of confusion with IRA bonuses is whether the cash reward counts as a new IRA contribution, which is strictly limited by the IRS, or if the bonus itself is a taxable event.

The Bonus is NOT an IRA Contribution

The good news is that the Webull transfer bonus is considered a promotional cash reward, not an investment contribution. This means the bonus money does not count against your annual IRA contribution limits (e.g., $7,000 for 2025, or $8,000 if age 50 or older).

Taxable Income Considerations

While the bonus does not affect your contribution limit, it may be deemed taxable income by the IRS under certain circumstances.

  • General Rule: Brokerage bonuses are typically considered miscellaneous income and are reported on Form 1099-MISC or Form 1099-INT.
  • IRA Exception: Because the money is deposited directly into a tax-advantaged IRA account, the tax treatment can be complex. You should consult with a qualified tax professional (CPA) to understand how the bonus will be treated for your specific account type (Traditional vs. Roth) and state of residence. Webull explicitly states that customers should note the deposit bonus may be deemed taxable income.

How to Initiate Your Webull IRA Transfer (ACATS Process)

The transfer process uses the Automated Customer Account Transfer Service (ACATS), which is the standard industry method for moving accounts between brokerages.

  1. Open a Webull IRA: First, open the corresponding IRA type (Traditional, Roth, or Rollover) at Webull.
  2. Initiate ACATS: Log in to your Webull account and navigate to the 'Transfer' or 'Deposit' section. Select the ACATS transfer option.
  3. Provide Account Details: You will need the account number and the exact name of the brokerage firm you are transferring from (the relinquishing firm).
  4. Choose Full or Partial Transfer: Decide if you are moving all assets (Full Transfer) or only a portion (Partial Transfer).
  5. Upload Documents: You will be required to upload a recent statement (within the last 60 days) from your old brokerage. This statement is also used to verify the outgoing transfer fee for reimbursement.
  6. Wait for Settlement: The ACATS process typically takes 3-7 business days to complete, though delays can occur if the account names or types do not exactly match.

By carefully following these steps and understanding the stringent holding requirements, you can successfully leverage the Webull IRA transfer bonus to add a significant cash injection to your retirement portfolio as you plan for 2026 and beyond.

The Ultimate Guide to Webull's IRA Transfer Bonus: Up to 3.5% Match and $100 Reimbursement (2025-2026)
webull ira transfer bonus
webull ira transfer bonus

Detail Author:

  • Name : Julian Thiel
  • Username : elnora.bogan
  • Email : lyric49@christiansen.com
  • Birthdate : 1976-07-29
  • Address : 70918 Labadie Corner Elmoreland, WI 79207
  • Phone : +1.251.892.5883
  • Company : Kulas, Beatty and Anderson
  • Job : Tax Examiner
  • Bio : Facilis perferendis quibusdam voluptas beatae rerum quo recusandae. Dolore illo sed et veniam perferendis. Eaque cum repellat doloribus impedit eum.

Socials

instagram:

tiktok:

  • url : https://tiktok.com/@conroyc
  • username : conroyc
  • bio : In distinctio deleniti cumque id fugiat culpa aut. Porro dolores laborum quia.
  • followers : 4797
  • following : 2552

linkedin:

twitter:

  • url : https://twitter.com/candelario_conroy
  • username : candelario_conroy
  • bio : Reiciendis consequatur at voluptas magnam. Dolores ipsa inventore officiis sit vitae ipsum. Iste laudantium voluptas qui itaque autem incidunt.
  • followers : 360
  • following : 2604

facebook:

Random Posts