Moomoo Promotions and Bonus Offers for December 2025

As an independent brand of Hong Kong’s FUTU Holdings, Moomoo boasts 24 million global users with nearly $90 billion in client assets and $500 billion in annual trading volume. It is also one of the best brokers when you want promotions and bonuses with your brokerage account, but do not delay.^{(1) (2)}

Moomoo’s best bonus offer

It is a challenge to choose the best Moomoo bonus offer because there are simply so many. New customers can benefit from a 3.85% APY Sweep Base Rate with a one-time 4.25% coupon to help further your portfolio. Current customers can benefit, too, 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.

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.

• 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
  
  Advisory services are offered by SoFi Wealth LLC, an SEC-registered investment adviser.
  
  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.
  
  Probability of Member receiving $1,000 is a probability of 0.026%; If you don’t make a selection in 45 days, you’ll no longer qualify for the promo. Customer must fund their account with a minimum of $50.00 to qualify. Probability percentage is subject to decrease
  
  Robo Advisor:
  Automated investing is offered through SoFi Wealth LLC, an SEC-registered investment adviser.
  0.25% fee is based on your account value. The wrap program fee may cost more or less than purchasing brokerage, custodial, and record keeping services separately.
  
  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.
  
  SoFi Plus members are eligible for a 1% match on recurring deposits received into a SoFi InvestⓇ account. For complete SoFi Plus eligibility, please see the SoFi Plus terms.
  
  Members can only earn the 1% match for periods in which a recurring deposit is received into a SoFi InvestⓇ account and the member meets the SoFi Plus eligibility criteria. "Recurring deposits" refer to ACH transfers scheduled with a frequency of weekly, every two weeks, or monthly into either an Active SoFi InvestⓇ account or a SoFi Wealth Automated Investing account. Regular deposits set up from a SoFi Checking & Savings account using Autopilot are eligible for the bonus. One-time transfers are excluded from the bonus. If funds are withdrawn and later redeposited manually into the SoFi InvestⓇ account, the manual deposit will not be eligible for the bonus. Offer can be combined with SoFi Invest 1% IRA match.
  
  Funds must remain in the SoFi InvestⓇ account for two years to be eligible for the bonus. If the deposit is removed prior to the end of the two-year Eligibility Period, SoFi, at its discretion may remove the corresponding proportion of the 1% Match from the member’s account. For instance, if $1,000 was deposited receiving a $10 rewards points match and $500 was withdrawn in a subsequent month, SoFi may remove $5 in rewards points from the bonus. SoFi reserves the right to liquidate securities to pay for the removal of the Match bonus. Further, SoFi may bill this to a receiving firm in the event of an account transfer.
  
  Bonus amounts are calculated on the total net recurring inflows (incoming recurring ACH transfers less outgoing transfers) per calendar month. For example, if a member has a recurring Invest deposit of $1,000 on 11/4/2024 and withdraws $500 on 11/15/2024 and makes no other deposits or withdrawals to their SoFi InvestⓇ account for the month, they will earn 500 rewards points, equal to 1% of $500 net monthly inflows. If a member loses SoFi Plus eligibility at any point throughout the month, they will earn the 1% match only on recurring deposits received while they were a SoFi Plus member. All withdrawals in the calendar month (regardless of Plus status) will count against the bonus. For example, if a member has a recurring Invest deposit of $1,000 on 11/4/2024 as a SoFi Plus member, loses SoFi Plus status on 11/10/2024, and has another recurring Invest deposit of $1,000 on 11/12/2024, they would earn $10 in rewards points (1% of the $1,000 that was deposited while they were a SoFi Plus member).
  
  Bonuses will be paid out as rewards points within two weeks of the end of the calendar month. Members must enroll in SoFi Member Rewards to redeem rewards points, but not to be eligible for the bonus. Rewards points are subject to the SoFi Member Rewards terms. Bonus will not be paid out on SoFi InvestⓇ or SoFi Wealth accounts that are closed or pending closure.
  
  SoFi Invest encompasses two distinct companies, with various products and services offered to investors as described below:
  1) Automated Investing and advisory services are provided by SoFi Wealth LLC, an SEC-registered investment adviser ("SoFi Wealth"). Brokerage services are provided to SoFi Wealth LLC by SoFi Securities LLC.
  2) Active Investing and brokerage services are provided by SoFi Securities LLC, Member FINRA/ SIPC. Clearing and custody of all securities are provided by APEX Clearing Corporation. Individual customer accounts may be subject to the terms applicable to one or more of these platforms. For additional disclosures related to the SoFi Invest platforms described above please visit SoFi.com/legal.
  Neither the Investment Advisor Representatives of SoFi Wealth, nor the Registered Representatives of SoFi Securities are compensated for the sale of any product or service sold through any SoFi Invest platform.
  Please note that the Active Invest platform is self-directed, therefore all monies transferred to your SoFi Active Invest will not be automatically invested.

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 are the disadvantages of Moomoo?

  While Moomoo has made a name for itself with commission-free trading, you will not have as many choices when it comes to the type of accounts you can open. For example, there are no IRAs and no cryptocurrency.

• 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.

To make sure you get accurate and helpful information, this guide has been edited by Matt Miczulski as part of our fact-checking process.

Written by

Lena Borrelli

Contributor

Lena Borrelli is an experienced finance writer with a deep understanding of personal finance, investing and consumer banking. Her work has been featured in top-tier publications such as Forbes, TIME, Bankrate, Moneywise and Annuity.org, where she provides expert insights on financial trends, smart money management and emerging fintech solutions. With a background in personal finance and content strategy, Lena specializes in breaking down complex financial topics into clear, actionable advice for readers. When she is not writing or scanning the news for the latest headlines, she is happiest spending time in the Florida sunshine with her husband and two pups. See full bio