Open a No Fee IRA Account - Retirement Accounts at Firstrade

Are you ready to take control of your retirement savings and plan for a more comfortable future? Opening a Firstrade no-fee IRA account is a smart move, providing you with the potential for significant tax benefits and long-term growth.

With an IRA account, you can contribute up to the annual limit and enjoy tax advantages that can help you maximize your savings potential. Depending on the type of IRA account you choose, you may be able to deduct your contributions from your taxable income or enjoy tax-free withdrawals in retirement.

Terms & Conditions:

Promotion Period:
Offer valid from December 15, 2025, at 12:00 AM ET to April 15, 2026, at 11:59 PM ET.

Eligibility:

This offer is valid for new Firstrade Eligible Retirement Accounts* opened through the dedicated promotion page between December 15, 2025, and April 15, 2026.

To receive the bonus, participants must successfully fund their new Eligible Retirement Accounts with Eligible Deposits* within 30 days of the account approval date.

Participants will receive:

A 3% Match Bonus on their Net New Contribution*; and
A 2% Match Bonus on their Net IRA Transfer/401(k) Rollover*.

Firstrade Eligible Retirement Accounts are defined as Firstrade Individual Retirement Accounts, including Traditional, Roth, or Rollover IRAs.
Eligible Deposits are defined as new contributions or IRA Transfers or 401(k) Rollovers made into Firstrade Accounts via ACH, Wire Transfers, Check or ACATS Transfers within 30 days of the account approval date. ACATS Transfers must be initiated within the 30-day period.
Net New Contribution is defined as the total amount of new contributions made within 30 days of account approval, minus any withdrawals and outbound transfers made during the same period.
Net IRA Transfer or 401(k) Rollover is defined as the total amount of IRA Transfers or 401(k) Rollovers made within 30 days of account approval, minus any withdrawals and outbound transfers made during the same period. Mutual Funds and Fixed Income products are expressly excluded from this calculation.
This offer is non-transferable and available to U.S. residents only. This offer is limited to one offer per account type and may be voided if abused.

How It Works:

Open a new account
During the promotion period, participants must apply for a qualified account through the dedicated promotion page and obtain approval.
Fund your account
To be eligible for this offer, deposits must be made through ACH, Wire Transfer, Check or ACATS Transfer within 30 days of the account approval date.
Get your Match Bonus
Firstrade IRA 3% Contribution Match: Participants will receive a 3% match on their Net New Contribution, subject to the applicable IRS annual contribution limits.

*Match Bonus do not count toward IRS contribution limits.

Firstrade 2% IRA Transfer or 401(k) Rollover Match: Participants will receive a 2% match on their Net IRA Transfer or 401(k) Rollover, with the match bonus capped at $20,000.

Please Note:

Before any bonus is issued, Firstrade will review the account associated with this promotion to verify eligibility and confirm compliance with all promotional terms. The review process will begin after the thirty (30) days from the account approval date and will generally be completed within seven (7) business days from the date all qualifying assets are available in your account. The bonus will be credited to your account when the review has been completed and approved.

However, this timeline may be extended or delayed at Firstrade’s sole discretion if, for example, Firstrade determines that further review is required due to indications of fraud or a violation of these terms.

Eligible Deposits cannot be existing assets, funds or securities held by you at Firstrade or its affiliates. Internal transfers between Firstrade accounts are expressly excluded and will NOT be considered eligible for this offer. Returned or residual amounts resulting from an ACATS transfer (including, but not limited to, fractional shares not yet transferred, unsettled interest, or assets temporarily unable to be transferred due to certain restrictions) will be deemed ineligible and will not be included in the Bonus calculation. 

Cash Bonus Retention Policy:

To retain the full bonus, participants must maintain an active account, and retain both the deposit amount used to calculate the reward and the rewarded amount for at least five (5) years from the date the bonus is granted, excluding fluctuations due to market conditions. 

Withdrawals that cause the Total Account Value to drop below the required threshold (i.e., the Net New Contributions and Transfers plus any awarded bonus), or account closures within five (5) years of the bonus being credited, will result in a full chargeback of the bonus. Withdrawals include but are not limited to: ACH transfers (both originated and non-originated), wire transfers, check withdrawals, and ACATS out requests. Firstrade reserves the right, at its sole discretion, to debit the account for the full amount of the bonus. If the customer has sufficient cash available in their Firstrade account, the chargeback amount will be deducted from the available cash balance. If there are insufficient funds, the chargeback may be applied to the customer’s margin balance (if applicable) or collected through other means.

Firstrade reserves the right to change the offer terms or terminate the offer at any time without notice. 

Transfer Fee Rebate:  

If you participate in this promotion using the ACATS transfer method, you may be eligible for the Transfer Fee rebate. Firstrade will rebate the account transfer fee (ACATS only) of up to $250 charged by another brokerage firm when completing a Full or Partial Account Transfer for $2500 or more (excluding mutual funds & fixed income products). The rebate will be based solely on the actual transfer fee charged by the firm you are transferring from. To receive the transfer rebate, please submit (upload, fax or email) a copy of your most recent statement from your previous broker with evidence of the transfer charge. Submissions must be received within 60 days of the transfer date. Upon receipt of your proof of transfer fee, Firstrade will begin reviewing your request. The review period is around five (5) business days. The rebate will be credited to your account when the review has been completed and the request is approved. This offer applies to Firstrade regular brokerage accounts and IRAs (Traditional IRA, Roth IRA, and Rollover IRA), and excludes Partnership, Corporate, Investment Club, and ESA Education Planning Accounts. If, within 12 months of account opening, the account balance falls below $2,500 due to withdrawals or outgoing transfers, Firstrade may reverse the transfer rebate at the time of withdrawal. Firstrade reserves the right at its sole discretion to terminate this offer without prior notice. This is not an offer or solicitation in any jurisdiction where Firstrade is not authorized to conduct securities transactions.  

Other Terms and Conditions:  

This is not an offer or solicitation in any jurisdiction where Firstrade is not authorized to conduct business or where such offer or solicitation would be contrary to the local laws and regulations of that jurisdiction. Void where prohibited.  

This offer is not a recommendation to invest or to transfer assets into a Firstrade account. This promotional offer may not be combined with other Firstrade offers unless explicitly permitted. Firstrade reserves the right to interpret these terms, to modify or terminate the offer at any time, and to decline, cancel, or claw back any awarded bonus in cases of suspected fraud, abuse, or violation of these terms. The offer is not valid where prohibited and is available for personal use only. Commercial or institutional use is not permitted.

Taxes: The match is treated as interest earned and does not impact contribution limits. The value of all Firstrade offers and cash rewards received or clawed back during the calendar year may be reported on applicable IRS Form 1099 as required by law. Customers are solely responsible for any federal, state, local, or other tax obligations arising from participation in this offer. Firstrade is not responsible for any tax consequences arising from this offer. Please consult with your tax advisor regarding tax questions for this bonus prior to making any rollover or transfer. 

Brokerage Products and Services offered by Firstrade Securities, Inc.

Review Firstrade’s brokerage services with FINRA BrokerCheck.

Online trading has inherent risk due to system response and access times that may vary due to market conditions, system performance, and other factors. Before investing, an investor should understand these, and carefully consider the investment objectives, risks, charges, expenses, as well as reviewing the Self-directed Trading Account Risk Disclosure. Before trading outside of regular market hours, an investor should review Extended Hours Trading Disclosure and be aware of unique risks involved including lower liquidity, heightened volatility, wider spreads and pricing uncertainty. All investments involve risk and losses may exceed the principal invested. Past performance of a security, industry, sector, market, or financial product does not guarantee future results or returns. Firstrade is a discount broker that provides self-directed investors with brokerage services, and does not make recommendations or offer investment, financial, legal or tax advice.

Options trading involves risk and is not suitable for all investors. Options trading privileges are subject to Firstrade review and approval. Please review the Characteristics and Risks of Standardized Options brochure and the Supplement before you begin trading options.

ETF trading involves risks. Before investing in an ETF, be sure to carefully consider the fund's objectives, risks, charges, and expenses. Please read the prospectus carefully before investing. Leveraged and Inverse ETFs may not be suitable for long-term investors and may increase exposure to volatility through the use of leverage, short sales of securities, derivatives and other complex investment strategies. ETF Information and Disclosure.

Investors should consider the investment objectives, risks, and charges and expenses of a mutual fund or ETF carefully before investing. Leveraged and Inverse ETFs may not be suitable for long-term investors and may increase exposure to volatility through the use of leverage, short sales of securities, derivatives and other complex investment strategies. A mutual fund or ETF prospectus contains this and other information and can be obtained by emailing service@firstrade.com.

Margin trading involves interest charges and risks, including the potential to lose more than deposited or the need to deposit additional collateral in a falling market. Before using margin, customers must determine whether this type of trading strategy is right for them given their specific investment objectives, experience, risk tolerance, and financial situation. For more information please see Margin Disclosure Statement, Margin Agreement, FINRA Investor Information. These disclosures contain information on our lending policies, interest charges, and the risks associated with margin accounts.

Online trades are $0 for stocks, ETFs, options and mutual funds. See our Pricing page for detailed pricing of all security types offered at Firstrade. All prices listed are subject to change without notice.

Any specific securities, or types of securities, used as examples are for demonstration purposes only. None of the information provided should be considered a recommendation or solicitation to invest in, or liquidate, a particular security or type of security.

This is not an offer or solicitation in any jurisdiction where Firstrade is not authorized to conduct securities transaction.

System response and access times may vary due to market conditions, system performance, and other factors.

Earn a 3% Match

with A Firstrade No-Fee IRA

Which IRA is Best for You?

Traditional IRA

Roth IRA

Rollover IRA

Earn a 3% Bonus on IRA Contributions & 2% on Transfers and Rollovers

Contribution Match

Transfer or Rollover Match

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How it works

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Why Choose a Firstrade IRA?

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