What makes this brokerage offer different
This brokerage offer is transfer-oriented, so the practical value depends on the asset tier, transfer friction, and required hold period.
Brokerage
Schwab Referral Bonus — Up to $1,000
Sign up for Schwab Referral Bonus and earn up to $2,000 in bonus rewards.
Bonus Tiers
| Deposit | Bonus |
|---|---|
| $25,000 | $100 |
| $50,000 | $300 |
| $100,000 | $500 |
| $500,000 | $1,000 |
Hold Period
1 year
Qualifying Period
Within 45 days of account opening
Payout
Approximately one week after 45-day period
Requirements
- ✓Make qualifying net deposit of cash or securities
- ✓Minimum $25,000 deposit to qualify for any bonus
- ✓Deposit must be made within 45 days of enrolling
- ✓Eligible account types: Schwab retail brokerage accounts and IRAs (Intelligent Portfolios, Managed Portfolios, Managed Account Select, Managed Account Connection, Wealth Advisory)
- ✓Make a qualifying net deposit of cash or securities within 45 days of opening
- ✓Deposit must be new to Schwab (not transferred from affiliated Schwab entities)
- ✓Eligible account types: Schwab retail brokerage accounts and IRAs (including advisory programs)
- ✓Use referral link from existing Schwab customer
- ✓Open eligible retail brokerage account or IRA
- ✓Make qualifying net deposit within 45 days
- ✓Maintain net deposit (less market losses) for 1 year
- ✓Maintain net deposit (less market losses) for 1 year in taxable accounts
- ✓Must be referred by existing Schwab client
- ✓Qualifying net deposit (cash or securities) within 45 days
- ✓Assets must be new to Schwab (not from Schwab affiliates)
- ✓Eligible account types: Schwab retail brokerage, IRAs, Schwab-sponsored investment advisory programs
- ✓Make qualifying net deposit within 45 days of enrollment
- ✓Deposit must be new assets to Schwab (external sources only)
- ✓Open and fund an eligible retail brokerage account or IRA
- ✓Make qualifying net deposit (new assets only) within 45 days of enrollment
- ✓Deposit amount determines bonus tier ($25,000 minimum)
- ✓Maintain net deposit at Schwab for at least one year (for taxable accounts)
- ✓Make a qualifying net deposit of $25,000+ within 45 days of account opening
- ✓Must open eligible retail brokerage account or IRA (Schwab One account)
- ✓Qualifying net deposit required within 45 days of enrollment
- ✓Outside assets new to Schwab only
- ✓Make a qualifying net deposit of cash or securities within 45 days of opening account
- ✓Deposits must be new to Schwab (not transfers from Schwab affiliates)
- ✓Must open eligible retail brokerage account or IRA
- ✓Must enroll via referrer's code
- ✓Must make qualifying net deposit within 45 days of enrollment
- ✓Enroll via referral link from existing Schwab client
- ✓Maintain deposit (less market losses) for at least 1 year
- ✓Make qualifying net deposit within 45 days of account opening
- ✓Deposits must be from outside Schwab (new to Schwab)
- ✓Minimum $25,000 deposit required
- ✓Make a qualifying net deposit within 45 days
- ✓Maintain net deposit for at least one year (taxable accounts)
- ✓Open eligible retail brokerage or IRA account
- ✓Must use referral link from existing Schwab customer
- ✓Open eligible retail brokerage account via referral code
- ✓Maintain net deposit for at least 1 year (for taxable accounts)
- ✓Qualifying net deposit of $25,000 or more within 45 days of account opening
- ✓Net deposits must be from outside Schwab (not internal transfers)
- ✓Qualifying net deposit within 45 days of account opening
- ✓Net deposit amount must be maintained for 1 year (for taxable accounts) or bonus may be charged back
- ✓Must use referral code from existing Schwab client
- ✓Make qualifying net deposit within 45 days of opening account
- ✓Make qualifying net deposit (cash or securities) within 45 days
- ✓Deposit amount determines bonus tier
- ✓Must use valid referral link to enroll
- ✓New to Schwab (no existing Schwab account other than Stock Plan Services)
- ✓Must open eligible retail brokerage or IRA account
- ✓Must make qualifying net deposit matching tier within 45 days
- ✓For taxable accounts, must maintain deposit for 1 year
- ✓Open eligible Schwab retail brokerage or IRA account
- ✓Maintain net deposit for at least one year (for taxable accounts)
- ✓Qualifying net deposit of cash or securities within 45 days of enrolling
- ✓Outside assets new to Schwab (transfers from certain Schwab affiliates excluded)
- ✓Maintain net deposit (less market losses) for at least one year (taxable accounts)
- ✓Must be referred by existing Schwab customer
- ✓Qualifying net deposit required (amounts vary by tier)
- ✓Account must be retail brokerage or IRA
- ✓Assets must be new to Schwab
- ✓For taxable accounts, maintain net deposit (less market losses) for one year
- ✓Deposits must be in Schwab One account
Restrictions
- ⚠New customers only
- ⚠Must use referral link from existing Schwab customer
- ⚠One per account, no more than one account enrolled per client
- ⚠U.S. residents only
- ⚠Must use a referral link from an existing Schwab client
- ⚠One account per client
- ⚠Not valid with other offers
- ⚠New customers only (no prior Schwab account)
- ⚠Referral link required
- ⚠One per account, one account per client
- ⚠Not available for Schwab Bank Investor Checking accounts, Global Accounts, ERISA plans, certain tax-qualified retirement plans, or accounts managed by independent advisors
- ⚠New customers only (no existing Schwab account)
- ⚠Must be referred by a Schwab client
- ⚠One per account
- ⚠New customers only (no existing Schwab accounts)
- ⚠Not valid in conjunction with other offers
- ⚠Employees and contractors of Schwab or affiliates ineligible
- ⚠New customers only (other than Stock Plan Services account holders)
- ⚠Referral required
- ⚠One per account, one per client
- ⚠New customers only (must not currently have a Schwab account other than Stock Plan Services)
- ⚠Referred individuals only (requires referral link from existing Schwab client)
- ⚠Schwab Bank Investor Checking accounts do not qualify
- ⚠The Schwab Global Account, ERISA-covered retirement plans, certain tax-qualified retirement plans, education savings accounts, corporate accounts, and accounts managed by independent investment advisors are excluded
- ⚠Referred customers only (must use referral link from existing Schwab customer)
- ⚠One bonus per account, one account per client
- ⚠Referred customers only
- ⚠Does not apply to Schwab Bank Investor Checking accounts, Schwab Global Account, ERISA-covered retirement plans, tax-qualified retirement plans, education savings accounts, corporate accounts, or accounts managed by independent investment advisors
- ⚠Referred individuals must enroll via referral link
- ⚠Available to U.S. residents only
- ⚠Referred individuals only (requires referral code from existing Schwab client)
- ⚠Referred individuals only
- ⚠Does not apply to Schwab Bank Investor Checking, Global Account, ERISA/tax-qualified retirement plans, education savings accounts, or accounts managed by independent advisors
- ⚠Must use referral link from existing Schwab client
- ⚠One per account, one account enrolled per client
- ⚠Referral-only (must use a referral code from existing Schwab client)
- ⚠Eligible account types: Schwab retail brokerage accounts and IRAs
- ⚠Does not apply to Schwab Bank Investor Checking accounts
- ⚠New customers only (no current Schwab account)
- ⚠Must be referred by existing Schwab customer
- ⚠Referral-based offer (new customer must use referral code from existing Schwab client)
- ⚠Not available for Schwab Bank Investor Checking accounts
- ⚠Requires referral link from current Schwab customer
- ⚠Not applicable to Schwab Bank Investor Checking accounts
- ⚠Requires referral from existing Schwab client
- ⚠Excludes Schwab Bank Investor Checking, Schwab Global Account, ERISA plans, education savings accounts
- ⚠Referred individuals only (requires referral link/code)
- ⚠Only outside assets qualify
- ⚠Must be referred via referral link from existing Schwab customer
- ⚠Eligible accounts: retail brokerage, IRAs, Schwab-sponsored investment advisory programs
- ⚠Schwab Bank Investor Checking accounts not eligible
- ⚠Only outside assets new to Schwab qualify
- ⚠Referral-only (requires referral code from existing Schwab client)
- ⚠Limit one per account, one per client
- ⚠Requires referral link to participate
- ⚠One per account, no more than one account per client
- ⚠Does not apply to Schwab Bank Investor Checking, Schwab Global Account, certain retirement plans, education savings accounts, or accounts managed by independent advisors
- ⚠Referred new customers only (existing Schwab customers refer via link)
- ⚠New to Schwab (no existing Charles Schwab accounts except Stock Plan Services)
- ⚠Eligible retail brokerage accounts and IRAs only
- ⚠Referral-only (requires referral code/link from existing Schwab client)
- ⚠New Schwab customers only
- ⚠Cannot be combined with other promotions
Fees
- $0 account opening fee
- $0 trading commissions on stocks and ETFs
- $0 account opening fees
- $0 account fee
- $0 account fees
- For taxable accounts, Schwab may charge back bonus if net deposit amount (less market losses) is not maintained for at least one year
- Not valid in conjunction with other offers
- Bonus is reported on Form 1099-INT for taxable accounts
- Does not apply to Schwab Bank Investor Checking, Schwab Global Account, ERISA-covered plans, education savings accounts, or accounts managed by independent advisors
- For taxable accounts, the net deposit (less any market losses) must be maintained for at least one year or Schwab may charge back the bonus
- Bonus award reported on Form 1099-INT for taxable accounts
- Ineligible accounts: Schwab Bank Investor Checking, Schwab Global Account, ERISA-covered plans, corporate accounts, accounts managed by independent advisors
- Net deposits calculated as of 45th day after enrollment
- Only outside assets new to Schwab qualify
- Referrer receives no bonus
- Offer may be changed or terminated without notice
- Schwab Bank Investor Checking accounts do not qualify
- Does not apply to Schwab Global Account, ERISA-covered plans, education savings accounts, corporate accounts, or accounts managed by independent advisors
- Eligible account types: Schwab retail brokerage, IRAs, Schwab Intelligent Portfolios, Schwab Managed Portfolios, Schwab Managed Account Select, Schwab Managed Account Connection, Schwab Wealth Advisory
- Net deposits calculated 45 days after enrollment regardless of when deposit made
- Bonus reported on Form 1099-INT for taxable accounts
- For taxable accounts, net deposit must be maintained for at least one year or bonus may be charged back
- Bonus combined with other Schwab offers in last 12 months may not exceed $5,000 per household
- Does not apply to Bank Investor Checking, Schwab Global Account, ERISA-covered retirement plans, education savings accounts, corporate accounts, or accounts managed by independent advisors
- Schwab reserves the right to change offer terms or terminate at any time without notice
- For taxable accounts, must maintain net deposit amount (less market losses) for at least one year or bonus will be charged back
- Eligible accounts: Schwab retail brokerage accounts and IRAs, managed accounts, Schwab Intelligent Portfolios, Schwab Managed Portfolios, Schwab Managed Account Select, Schwab Managed Account Connection, Schwab Wealth Advisory
- Not eligible: Schwab Bank Investor Checking, Schwab Global Account, ERISA-covered plans, tax-qualified retirement plans, education savings accounts, corporate accounts, accounts managed by independent advisors
- For taxable accounts, must maintain net deposit (less market losses) for 1 year or bonus may be charged back
- Net deposits are assets deposited into the account minus assets withdrawn and transferred out of Schwab
- Only outside assets new to Schwab qualify; transfers from Schwab affiliates (other than Schwab Retirement Plan Services) are excluded
- For taxable accounts, Schwab may charge back the bonus if the net deposit amount (less market losses) is not maintained for one year
- This offer is not transferable, saleable, or valid in conjunction with other offers
- Available to U.S. residents only
- Schwab reserves the right to change the offer terms or terminate at any time without notice
- Does not apply to Schwab Global Account, ERISA-covered retirement plans, education savings accounts, or accounts managed by independent investment advisors
- For taxable accounts, must maintain net deposit amount (less any market losses) for at least one year or bonus may be charged back
- Net deposits are assets deposited into account minus assets withdrawn and transferred out
- For taxable accounts, net deposit amount (less market losses) must be maintained for at least 1 year or bonus may be charged back
- Bonus eligible for taxable accounts; net deposits must be maintained for at least one year or bonus may be charged back
- Net deposits exclude assets transferred from Schwab affiliates (other than Schwab Retirement Plan Services)
- Schwab Bank Investor Checking accounts, Schwab Global Account, ERISA plans, certain tax-qualified plans, education savings accounts, corporate accounts, and accounts managed by independent advisors are ineligible
- Net deposits = assets deposited minus assets withdrawn/transferred out
- Only outside assets new to Schwab qualify; affiliate transfers excluded
- Bonus calculated as of 45th day after enrollment
- Bonus credited within ~1 week of 45-day mark
- Cannot be combined with other offers
- For taxable accounts, must maintain net deposit amount (less market losses) for at least one year or bonus may be charged back
- Only outside assets new to Schwab qualify; transfers from Schwab affiliates excluded
- Does not apply to Schwab Bank Investor Checking, Global Account, ERISA retirement plans, education savings accounts, or accounts managed by independent advisors
- Schwab may charge back the bonus if deposit not maintained for one year
- Offer is not transferable or valid with other offers
- Only outside assets new to Schwab qualify; assets transferred from Schwab affiliates excluded
- For taxable accounts, must maintain net deposit (less market losses) for one year or bonus may be charged back
- Bonus award combined with other offers in last 12 months may not exceed $5,000 per household
- Bonus combined with other offers cannot exceed $5,000 per household per 12 months
- Net deposits are deposits minus withdrawals and transfers out of Schwab
- Offer not available for Schwab Global Account, ERISA plans, certain retirement plans, education savings accounts, or advisor-managed accounts
- For taxable accounts: must maintain net deposit amount (less trading losses) for at least one year or bonus may be charged back
- Cannot be combined with other Schwab promotions
- Bonus amount combined with other offers in last 12 months cannot exceed $5,000 per household
- Net deposits = deposited assets minus withdrawals and transfers out of Schwab
- Only outside assets new to Schwab qualify; assets from Schwab affiliates (except Schwab Retirement Plan Services) excluded
- For taxable accounts, net deposit (less market losses) must remain at Schwab for at least one year or bonus will be charged back
- Offer cannot be combined with other promotions
- Not available for Schwab Bank Investor Checking, Schwab Global Account, ERISA-covered retirement plans, education savings accounts, corporate accounts, or accounts managed by independent investment advisors
- Custodial accounts are eligible
- Bonus reported on Form 1099-INT; user responsible for taxes
- Net deposits = deposited assets minus withdrawals and transfers out
- For taxable accounts, Schwab may chargeback bonus if deposit not maintained for 1 year (less market losses)
- Not combinable with other Schwab offers
- Bonus may be charged back if net deposit not maintained for 1 year in taxable accounts
- Not available for Schwab Bank Investor Checking, Global Account, ERISA-covered plans, or accounts managed by independent advisors
- Assets transferred from Schwab affiliates (except Retirement Plan Services) excluded
- Market losses do not reduce maintenance requirement
- If deposit drops below tier during year, bonus may be charged back
- Bonus combined with other offers may not exceed $5,000 per household per 12 months
- Bonus may be charged back for taxable accounts if net deposit not maintained for one year
- For taxable accounts, bonus reported on Form 1099-INT
- U.S. residents only
- For taxable accounts, must maintain net deposit for at least 1 year or bonus may be charged back
- Offer does not apply to Schwab Global Account, ERISA-covered retirement plans, certain tax-qualified retirement plans, education savings accounts, corporate accounts, or accounts managed by independent investment advisors
- Net deposits calculated as of 45th day after enrollment, minus withdrawals and transfers out
- Does not apply to Schwab Global Account, ERISA-covered plans, certain tax-qualified plans, education savings accounts, or accounts managed by independent advisors
- Bonus may be charged back if net deposit is not maintained for 12 months
- Only new Schwab customers eligible (excluding Stock Plan Services accounts)
- Bonus may be charged back if hold period not maintained in taxable accounts
- Reported on Form 1099-INT for taxable accounts
- Assets from Schwab affiliates other than Retirement Plan Services excluded
- Ineligible account types: Bank Investor Checking, Schwab Global Account, ERISA-covered retirement plans, education savings accounts, corporate accounts, accounts managed by independent advisors
- The person who refers you does not receive a bonus
Total potential bonus
$2,000
$1,000 (sign-up) + $1,000 (via referral link) = $2,000 total
Last updated July 10, 2026
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How to evaluate Schwab Referral Bonus
Before transferring assets, compare the bonus tier against the deposit amount, required hold period, transfer fees, and whether IRA or taxable accounts qualify.
Qualification checklist
Timing
- Qualifying period
- Within 45 days of account opening
- Payout timeline
- Approximately one week after 45-day period
- Hold period
- 1 year
How to qualify
- Make qualifying net deposit of cash or securities
- Minimum $25,000 deposit to qualify for any bonus
- Deposit must be made within 45 days of enrolling
- Eligible account types: Schwab retail brokerage accounts and IRAs (Intelligent Portfolios, Managed Portfolios, Managed Account Select, Managed Account Connection, Wealth Advisory)
Common pitfalls
- New customers only
- Must use referral link from existing Schwab customer
- One per account, no more than one account enrolled per client
- U.S. residents only
What makes this offer different
Bonus value versus similar offers
The sign-up bonus is below the current nearby $7,500 median, so the requirements and any referral or portal stack matter more.
Stacking potential
The tracked value can include $1,000 sign-up bonus, $1,000 referral sign-up bonus for a total displayed potential of $2,000. Confirm which apply path you use before assuming every component stacks.
Requirement clarity
Credolix has extracted 4 requirements for this offer, so compare the bonus against the actual steps rather than the headline payout alone.
Frequently Asked Questions
How long do I have to qualify for Schwab Referral Bonus?
The qualifying period listed for Schwab Referral Bonus is Within 45 days of account opening.
When does Schwab Referral Bonus pay out?
The payout timeline listed for Schwab Referral Bonus is Approximately one week after 45-day period.
How long do I need to keep funds or the account for Schwab Referral Bonus?
The hold period listed for Schwab Referral Bonus is 1 year.
