Brokerage

Schwab Brokerage Referral Bonus — Up to $1,000 + $25

Apply to Schwab Brokerage Referral Bonus and earn up to $2,025 in combined sign-up and referral bonuses.

Bonus Tiers

Deposit	Bonus
$25,000-$49,999	$100
$50,000-$99,999	$300
$100,000-$499,999	$500
$500,000+	$1,000

Hold Period

1 year

Qualifying Period

45 days from account opening

Payout

Approximately 1-2 weeks after the 45-day period

Requirements

✓Open eligible retail brokerage account or IRA
✓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
✓Make qualifying net deposit within 45 days
✓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
✓Make qualifying net deposit within 45 days of enrollment
✓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 client
✓Must open eligible retail brokerage account or IRA
✓Must make qualifying net deposit within 45 days of enrollment
✓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 (no existing Schwab account)
⚠Must use referral link from existing Schwab client
⚠One per account, one account enrolled per client
⚠Not valid in conjunction with other offers
⚠U.S. residents only
⚠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
⚠One per account, one per client
⚠New customers only (no current Schwab account)
⚠Must be referred by existing Schwab customer
⚠One per account, no more than one account enrolled per client
⚠Available to U.S. residents only
⚠Referral-based offer (new customer must use referral code from existing Schwab client)
⚠New customers only
⚠One per account
⚠Not available for Schwab Bank Investor Checking accounts
⚠New customers only (no existing Schwab accounts)
⚠Requires referral link from current Schwab customer
⚠Not applicable to Schwab Bank Investor Checking accounts
⚠One per account, one account per client
⚠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
⚠New customers only (no prior Schwab account)
⚠Must be referred via referral link from existing Schwab customer
⚠One account per client
⚠Eligible accounts: retail brokerage, IRAs, Schwab-sponsored investment advisory programs
⚠Schwab Bank Investor Checking accounts not eligible
⚠Must use referral link from existing Schwab customer
⚠One bonus per account, one account per client
⚠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)
⚠Not valid with other offers
⚠New Schwab customers only
⚠Referral link required
⚠Cannot be combined with other promotions

Fees

$0 account fee
$0 account fees

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
Bonus reported on Form 1099-INT for taxable accounts
Schwab may charge back the bonus if deposit not maintained for one year
Offer is not transferable or valid with other offers
Available to U.S. residents only
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
Only outside assets new to Schwab qualify; affiliate transfers excluded
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
Only outside assets new to Schwab qualify
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
Net deposits = assets deposited minus assets withdrawn/transferred out
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
Not valid in conjunction with other offers
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
Schwab Bank Investor Checking accounts do not qualify
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
Net deposits calculated as of 45th day after enrollment
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

$2,025

Sign-Up Bonus

$1,000

View Promo Terms →

Referral Sign-Up Bonus

$1,000

Paid to you for signing up via a referral link

View Referral Terms →

Additional Referral Bonus (how it works)

$25

Your 50% share of $50 paid directly by the referrer

View Referral Terms →

$1,000 (sign-up) + $1,000 (via referral link) + $25 (referral) = $2,025 total

Offer expires July 20, 2026

Last updated May 29, 2026

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Deposit

Bonus

$25,000-$49,999

$100

$50,000-$99,999

$300

$100,000-$499,999

$500

$500,000+

$1,000

Requirements

✓Open eligible retail brokerage account or IRA

✓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

✓Make qualifying net deposit within 45 days

✓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

✓Make qualifying net deposit within 45 days of enrollment

✓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 client

✓Must open eligible retail brokerage account or IRA

✓Must make qualifying net deposit within 45 days of enrollment

✓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 (no existing Schwab account)

⚠Must use referral link from existing Schwab client

⚠One per account, one account enrolled per client

⚠Not valid in conjunction with other offers

⚠U.S. residents only

⚠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

⚠One per account, one per client

⚠New customers only (no current Schwab account)

⚠Must be referred by existing Schwab customer

⚠One per account, no more than one account enrolled per client

⚠Available to U.S. residents only

⚠Referral-based offer (new customer must use referral code from existing Schwab client)

⚠New customers only

⚠One per account

⚠Not available for Schwab Bank Investor Checking accounts

⚠New customers only (no existing Schwab accounts)

⚠Requires referral link from current Schwab customer

⚠Not applicable to Schwab Bank Investor Checking accounts

⚠One per account, one account per client

⚠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

⚠New customers only (no prior Schwab account)

⚠Must be referred via referral link from existing Schwab customer

⚠One account per client

⚠Eligible accounts: retail brokerage, IRAs, Schwab-sponsored investment advisory programs

⚠Schwab Bank Investor Checking accounts not eligible

⚠Must use referral link from existing Schwab customer

⚠One bonus per account, one account per client

⚠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)

⚠Not valid with other offers

⚠New Schwab customers only

⚠Referral link required

⚠Cannot be combined with other promotions