Moomoo Bonus: 8.1% APY Cash Sweep + Free NVDA Stock

As an independent brand of Hong Kong’s FUTU Holdings, Moomoo boasts more than 29 million global users with over $158 billion in client assets and saw roughly $1.89 trillion in annual trading volume in 2025.⁽¹⁾ It’s also one of the more generous brokers when it comes to sign-up bonuses and ongoing promotions.

Bonus type	Eligibility dates	Bonus amount	Requirements	Learn more
Account opening bonus	January 1, 2026 – December 31, 2026	3.35% APY Cash Sweep Base Rate and one-time 4.75% APY Booster Rate Coupon	New customers without a brokerage account before January 1, 2026.	Read Review
Deposit bonus: Free stocks	January 1, 2026 – December 31, 2026	≥$500 net deposit: $30 in NVDA stock ≥$2,000 net deposit: $100 ($70+$30) in NVDA stock ≥$10,000 net deposit: $200 ($70+$30+$100) in NVDA stock ≥$50,000 net deposit: $400 ($70+$30+$100+$200) in NVDA stock ≥$100,000 net deposit: $1,000 ($70+$30+$100+$200+$600) in NVDA stock	$500 net deposit and average assets of $100+ for 60 days	Read Review
Transfer-in bonus: Cash coupon	June 10, 2026 – December 31, 2026	3% match of your first transfer amount up to $20,000 (maximum $600 bonus)	Transfer stocks, certain options, ETFs and cash from an account at one of the specified broker-dealers	Read Review

Moomoo’s best bonus offer

The 8.1% APY cash sweep offer is Moomoo’s standout promotion right now — a combined rate few brokers match, on up to $20,000 for two months, just for opening a new account. New customers can also stack the NVDA stock deposit bonus (up to $1,000) and, if transferring assets in from another broker, the 3% transfer-in match (up to $600). Current customers aren’t left out either, with referral bonuses you can use multiple times.

Eligibility for Moomoo promotions and bonus offers

Each rewards program has a set of eligibility requirements that account holders must meet to qualify for Moomoo promotions and bonus offers.

For all offers except the International Student promotion, you must be a US resident 18 or older with a valid Social Security number to open an account.

Bonus Type	Eligibility Requirements
Account opening bonus	New customers who have not opened an account before January 1, 2026 New customers who have not made a deposit before December 31, 2026 Enrollment in the Cash Sweep Program to earn interest on any uninvested cash
Deposit bonus: Free stocks	New and existing customers who have not made a deposit or ACAT Transfer before January 1, 2026 Must make deposit settling before December 31, 2026, 11:59 p.m. ET using ACH, WIRE or instant transfer deposit Must maintain $100+ in average assets for 60 days to qualify Must maintain $2,000+ in average assets for 60 days to use free stocks
Transfer-in bonus: Cash coupon	New and existing customers who have not made a deposit before June 10, 2026, 12:00 a.m. ET Must make ACAT Transfer settling before December 31, 2026, 11:59 p.m. ET(3) Cash coupon active after transfer-in assets have been kept in account for 90+ days
Referral promotion	Active brokerage account
T&C Moomoo Learn Premium courses	Must make $100+ deposit into brokerage account
International student promotion	International student customers over 18 years in supported countries/regions Must complete student verification Required deposit into MFI brokerage account Have not deposited into an MFI brokerage account before December 11, 2024, 12:00 a.m. ET Have not received the commission cards during previous international student promotion

Compare more broker account bonuses

There is no shortage of Moomoo bonuses and promotions, appealing to a wide variety of customers and budgets. However, there is a limited time frame for most promotions, so it is important to act quickly if you want to take advantage of a particular program.

If Moomoo is not the right match for you, compare the best brokerage accounts like SoFi® or Robinhood. An alternative to Moomoo may better fit your needs if you miss out on Moomoo’s time-sensitive promotions or you find a better promotion elsewhere.

Broker	Bonus offer	More info
Webull	Up to 4% Match Bonus + $100 transfer fee reimbursement	Learn more
SoFi Invest®	Plus, get up to $1,000 in stock. T&C apply.	Learn more
tastytrade	$100 per referral	Learn more
Interactive Brokers	$200 per referral	Learn more

• SoFi terms and conditions

  INVESTMENTS ARE NOT FDIC INSURED • ARE NOT BANK GUARANTEED • MAY LOSE VALUE
  
  Other fees, such as exchange fees, may apply. Please view our fee disclosure to view a full listing of fees.
  
  Investing in alternative investments and/or strategies may not be suitable for all investors and involves unique risks, including the risk of loss. An investor should consider their individual circumstances and any investment information, such as a prospectus, prior to investing. Interval Funds are illiquid instruments, the ability to trade on your timeline may be restricted. Brokerage and Active investing products offered through SoFi Securities LLC, Member FINRA (www.finra.org) /SIPC(www.sipc.org).
  
  There are limitations with fractional shares to consider before investing. During market hours fractional share orders are transmitted immediately in the order received. There may be system delays from receipt of your order until execution and market conditions may adversely impact execution prices. Outside of market hours orders are received on a not held basis and will be aggregated for each security then executed in the morning trade window of the next business day at market open. Share will be delivered at an average price received for executing the securities through a single batched order. Fractional shares may not be transferred to another firm. Fractional shares will be sold when a transfer or closure request is initiated. Please consider that selling securities is a taxable event.
  
  Options involve risks, including substantial risk of loss and the possibility an investor may lose the entire investment Before trading options please review the Characteristics and Risks of Standardized Options
  
  Utilizing a margin loan is generally considered more appropriate for experienced investors as there are additional costs and risks associated. It is possible to lose more than your initial investment when using margin. Please see https://www.sofi.com/wealth/assets/documents/brokerage-margin-disclosure-statement.pdf for detailed disclosure information
  
  SoFi Plus members can schedule an unlimited number of appointments with a financial planner during periods in which the SoFi Plus member meets the eligibility criteria set forth in section 10(a) of the SoFi Plus Terms and Conditions. SoFi members who are not members of SoFi Plus can schedule one (1) appointment with a financial planner. The ability to schedule appointments is subject to financial planner availability. SoFi reserves the right to change or terminate this benefit at any time with or without notice. Advisory services are offered by SoFi Wealth LLC, an SEC-registered investment adviser. Information about SoFi Wealth's advisory operations, services, and fees is set forth in SoFi Wealth's current Form ADV Part 2 (Brochure), a copy of which is available upon request and at www.adviserinfo.sec.gov.
  
  The probability of a member receiving $1,000 is 0.028%. If you don’t make a selection in 45 days, you’ll no longer qualify for the promo. Members must fund their account with a minimum of $50.00 to qualify. The probability percentage is subject to decrease. Members are only eligible for the Stock Award promotion upon opening their first brokerage account; subsequent cash brokerage accounts are ineligible for the promo, including for members with multiple accounts.
  
  Terms and conditions apply*. For 401k rollovers, existing SoFi IRA members must complete 401k rollovers via this link For SoFi members without a SoFi IRA, a SoFi IRA must first be opened, and 401k rollover must be completed utilizing Capitalize via this link. SoFi and Capitalize will charge no additional fees to process a 401(k) rollover to a SoFi IRA. SoFi is not liable for any costs incurred from the existing 401k provider for rollover. Please check with your 401k provider for any fees or costs associated with the rollover. For IRA contributions, only deposits made via ACH and cash transfer from SoFi Bank accounts are eligible for the match. Click here for the 1% Match terms and conditions.
  
  Must be a SoFi Plus member at the time a recurring deposit is received into your SoFi Active or Automated investing account to qualify. Bonus calculated on net monthly recurring deposits made via ACH and paid out as Rewards Points. See Rewards Terms of Service. SoFi reserves the right to change or terminate this promotion at any time without notice. See terms and limitations. https://www.sofi.com/sofiplus/invest/#disclaimers

Frequently asked questions

• Can I receive all: the account opening bonus, transfer-in bonus and deposit bonus at the same time?

  Yes, you may benefit from all bonuses as long as you meet the eligibility requirements. This may require you to be a new account holder or mandate that no deposits be made before redeeming a Moomoo promotion.

• What is Moomoo's cash sweep APY?

  New customers get a combined 8.1% APY on uninvested cash — a 3.35% APY base rate plus a one-time 4.75% APY booster — on up to $20,000 for the first two months. After that, the rate drops to the standard 3.35% APY base rate.⁽²⁾

• Does Moomoo offer IRA accounts?

  No. Moomoo currently offers individual brokerage accounts only — no Traditional, Roth or other IRA account types. If a retirement account is a priority, compare Moomoo alternatives that do offer them.

• What are the disadvantages of Moomoo?

  Moomoo's biggest gaps are around account types — there are no IRAs, no mutual funds and no bonds. It does offer cryptocurrency trading through its Moomoo Crypto Inc. affiliate, with a 0.49% fee per trade.⁽⁴⁾

• Does Moomoo really give free stock?

  Yes, you can earn free stock when you take advantage of the deposit bonus or free stock promotions. This will require you to make a qualifying deposit. You will also need to maintain a minimum average balance to be eligible for the deposit bonus promotion.

• Is there a Moomoo referral bonus?

  Yes — active brokerage account holders can earn referral rewards for each new customer who signs up through their link and meets the minimum deposit requirement, and it can be used multiple times, unlike most one-time sign-up bonuses.