Invest IRAs

Treat yourself to a 3.5% contribution match.

Since you’re already an Ally customer, we’ll match 3.5% when you open and fund your first Ally Invest Self-Directed IRA.

Find Out How

Two men smiling because they earned a 3.5% match on their Ally Invest Self-Directed IRA.

How it works.

Open your first Ally Invest Self-Directed IRA between 3/31/2026 and 7/31/2026 and fund it by 12/31/2026 to earn your match.

Open your IRA.

Select Open an IRA and follow the instructions to open your first Ally Invest Self-Directed IRA. Both Traditional and Roth IRAs are eligible for a 3.5% contribution match.

Make a contribution.

Fund your IRA up to the annual maximum. You can make eligible 2026 contributions up until 12/31/2026. Limits for 2026 are $7,500 for individuals aged 49 or younger, and $8,600 for those 50 and up.

Earn your bonus.

We’ll post your match within 90 days of your contribution’s settlement date. Matches appear as ‘interest income’ and don’t count toward your annual contribution limit. There’s a 24-month holding period for eligible contributions and earned matches in your IRA.

Open an IRA

Terms and Conditions apply.

It’s your responsibility to validate your contribution limits. Ally Invest doesn’t provide tax advice. If you have questions about your taxes, visit IRS.gov or consult a tax professional.

Eligible account types.

Traditional IRAs

Contribute some of your money before taxes are taken out, which may lower your taxable income now. If you’re eligible, you’ll pay taxes when you withdraw the money.

Pay ordinary income tax when you make a qualified withdraw
Contributions may be tax deductible in the year they’re made, with some IRS limit

Roth IRAs

Contribute money you’ve already paid taxes on for potential tax-deferred growth based on market performance. If you’re eligible, you won’t owe taxes when you withdraw the money, as long as you follow certain rules.

No income tax when you withdraw, with some exceptions
Contributions aren’t tax deductible

FAQs

Under age 50: $7,000

Age 50 and older: $8,000 total (includes $1,000 catch-up)
Under age 50: $7,500

Age 50 and older: $8,600 total (includes $1,100 catch-up)

Still have questions? Visit our Help Center.

Ally Invest IRA Contribution Match Offer: Terms & Conditions Effective date: March 31, 2026

This Ally Invest Securities LLC (“Ally Invest”) IRA Contribution Match (“Ally Invest IRA Match”) offer is subject to these terms and conditions.

Eligibility to Participate and Eligible Accounts:
The Ally Invest IRA Match offer is only open to existing Ally customers with an active account with Ally Bank, Ally Auto, and/or Ally Invest who do not currently have, nor have previously opened an Ally Invest IRA account as of March 31, 2026 (the ‘Promotion Start Date’)(collectively “Eligible Clients”). To participate in the Ally Invest IRA Match, Eligible Clients must open a new Ally Invest Self-Directed Traditional IRA or Roth IRA (collectively “Eligible IRA”), with Ally Invest through the links provided on this offer’s web page during the Offer Period (as defined below). Eligible Clients may open more than one Eligible IRA during the Offer Period, each of which will count towards the contribution match. The following IRA accounts are not eligible for the Ally Invest IRA Match: Ally Invest Robo Portfolio IRAs; Ally Invest Personal Advice IRAs; Simple IRAs; existing Ally Invest IRA accounts that were opened prior to the Offer Period; inherited IRAs; and Ally Bank IRAs.

Offer Period:
To participate in the Ally Invest IRA Match, the Eligible IRA must be opened between March 31, 2026 and July 31, 2026 (the “Offer Period”). IRA accounts opened before or after this Offer Period will not be eligible.

Eligible Contributions:
To qualify for the Ally Invest IRA Match, contributions must meet the following criteria (“Eligible Contributions”). Eligible Contributions must settle into the Eligible IRA(s) no later than December 31, 2026. Eligible Contributions for the Ally Invest IRA Match must only be for the 2025 and 2026 tax years. IRS annual contribution limits are listed in the table below for reference. Eligible Contributions may include contributions to more than one Eligible IRA account. Note that the IRS annual contribution limits are at the client level, and not the account level.

Eligible Clients are responsible for knowing their respective annual contribution limits and may want to consult their financial and/or tax advisor for confirmation.

Contributions must be cash only – which may be funded to the Eligible IRA via ACH transfer, One Ally Transfer from another Ally account, wire transfer, or mailing a check. Note: Rollovers, transfers from another IRA, recharacterizations, conversions, and any non-contribution funding are NOT eligible to earn the 3.5% match. While Eligible Clients may execute a rollover into a new Eligible IRA, the value of the assets rolled over is NOT eligible for the Ally Invest IRA Match.

IRS Annual Contribution Limits for both Traditional and Roth IRAs

IRA contribution limits for 2025:

Under age 50: $7,000
Age 50 and older: $8,000 total (includes $1,000 catch-up)

IRA contribution limits for 2026:

Under age 50: $7,500
Age 50 and older: $8,600 total (includes $1,100 catch-up)

Holding Period:
All Eligible Contributions, along with the 3.5% matching bonus paid as interest earned, must remain in the original IRA account for a minimum duration of 24 months from the settlement date (the “Holding Period”). Eligible Contributions and any associated interest are non-transferable and must remain in the original IRA account during the Holding Period. The Holding Period requirement is separate from any IRS early distribution rules and penalties.

3.5% Match Payment - Timing & Details:
Ally Invest will pay to Eligible Clients meeting all terms and conditions of the Ally Invest IRA Match, at maximum, an amount equal to 3.5% of Eligible Contributions multiplied by the applicable tax year’s IRS annual contribution limit (the “Match”). The Match will be paid as interest earned into the Eligible IRA(s) on or around (but no later than) 90 days after the settlement date of the Eligible Contributions. The Match will be credited as interest earned to the same IRA account that received the Eligible Contribution. Match payments will be rounded up to the nearest cent. If Eligible Contributions are made in installments, the Match will be calculated and paid 90 days after each installment settles. Eligible Contributions that settle but are then subsequently transferred out of the Eligible IRA prior to 90 days post-settlement do not qualify for the Match. The Match will be paid into the respective Eligible Account where the Eligible Contribution settled.

Interest earned from the Match does not count towards the annual contribution limit and may be classified as taxable income in some circumstances. As Ally Invest does not provide tax guidance, Eligible Clients may want to consult a tax professional.

Updates and Changes:
Ally Invest reserves the right to modify, suspend, or terminate the Ally Invest IRA Match offer and these terms and conditions at any time, without notice, including changing match percentages, payment timing, or eligibility (note: match bonus amounts already earned but not yet paid prior to the effective date of offer change(s) will still be honored per terms prior to the change(s)).

Account Standing and Compliance:
To receive the Match, Eligible IRA(s) must be open, funded with Eligible Contribution(s), and in good standing (under the AIS Customer Agreement, including, without limitation, no restrictions, holds, or violations) on the date(s) the Match is paid, as well as meet all requirements set forth herein. If the account is closed or restricted prior to the Match being paid, the Eligible Client forfeits the Match for the affected Eligible Contribution(s). Ally Invest reserves the right to verify identity, account status, and contribution eligibility and to disqualify any participant for suspected abuse, fraud, or violation of these Terms and Conditions. Suspected abuse, gaming, or circumvention (including but not limited to immediate withdrawals, transfers, or offsetting transactions) may result in disqualification and reversal of Match amounts previously credited to the Eligible IRA(s).

Additional Details:
Ally employees are not eligible for this Ally Invest IRA Match offer.

Eligible Clients participating in this Ally Invest IRA Match offer may not be eligible to participate in other Ally Invest IRA offers, both existing during the same time as Ally Invest IRA Match and those in the future.

Securities products and services are offered through Ally Invest Securities LLC, member FINRA / SIPC . For background on Ally Invest Securities go to FINRA’s BrokerCheck . Advisory services offered through Ally Invest Advisors Inc., a registered investment adviser. View Invest disclosures . Ally Bank, Ally Invest Advisors and Ally Invest Securities are wholly owned subsidiaries of Ally Financial Inc. Securities products are NOT FDIC INSURED, NOT BANK GUARANTEED, and MAY LOSE VALUE.

This information is provided for general informational purposes, and should not be construed as investment advice, tax advice, a solicitation or offer, or a recommendation to buy or sell any security. Ally Invest does not provide tax advice and does not represent in any manner that the outcomes described herein will result in any particular tax consequence. Investors should consult a tax advisor regarding possible tax consequences based on their circumstances.