We consider neutron radiative β decay, n → pe −ν e γ, and compute the T-odd momentum correlation in the decay rate characterized by the kinematical variable ξ = l ν · (l e × k) arising from electromagnetic final-state interactions in the Standard Model. Our expression for the corresponding T-odd asymmetry A SM ξ is exact in O(α) up to terms of recoil order, and we evaluate it numerically under various kinematic conditions. Noting the universality of the V-A law in the absence of recoilorder terms, we retain the parametric dependence on masses and coupling constants throughout, so that our results serve as a template for the computation of A SM ξ in allowed nuclear radiative β decays and hyperon radiative β decays as well.