MooMoo Brokerage Bonus: Up To $1,000 With $50,000 Deposit & Three More Bonuses

Update 9/19/25: All three offers ($1k NVDA, 8.1% APY, 3% match) have been extended through 12/31/25.

The Offer

Direct Link to NVDA offer | PDF terms NVDA promo  | 3% match bonus

1. MooMoo brokerage is offering new users a bonus of up to $20-$1,000 in NVDA stock when you deposit up to $100-$50,000 and maintain for 60 days. (Deposit via ACH or wire)

   • Deposit $100 or more and receive $20 in NVDA stock

   • Deposit $2,000 or more and receive $50 ($20 + $30) in NVDA stock

   • Deposit $10,000 or more and receive $300 ($20 + $30 + $250) in NVDA stock

   • Deposit $50,000 or more and receive $1,000 ($20 + $30 + $250 + $700) in NVDA stock

2. Separately, new MooMoo users also get a booster rate on their cash account of 4.75% for 90 days on balances up to $20,000. Total APY is 8.1% instead of the regular 3.35%.
3. There’s also a $25/$100 signup bonus when you signup using a referral link. See details below.
4. Separately, MooMoo offers a ACATS-transfer bonus match of 3%, up to $20,000 in transfers. Maxed out you can get $600 from this. (This 3% match offer has been around for a while.) You can transfer cash or stocks/ETFs, but the transfer needs to be via ACATS, and so it won’t overlap with the other NVDA transfer promo which needs to be a cash transfer via ACH/wire.
5. (Separately, they have a promo to get tickets to your preferred Mets game or concert if you transfer over $50,000. I believe this also needs to be done via ACATS transfer only.)

 

Our Verdict

This is an excellent offer for someone with large cash deposit, all on top of the regular interest rate in the MooMoo Cash Sweep account which is a solid 3.35%. There is no Chex pull and no hard pull when you open a MooMoo account.

Here’s how I’m going about doing this MooMoo offer:

1. Open an account with MooMoo via a referral link for a $25 bonus. You can sign up via referral and still be eligible for these other bonuses for $1,000/$600/8.1%. I used a friend’s referral link.
2. Here is my referral link (referral code: F59YMKDM) – on the landing page you’ll see mention of an “exclusive gift” which is a minimum of $25 (with a 4% chance of getting a better $50 or $100 gift, and a tiny chance of getting a $1,000 gift). You’ll also see mention of the $1,000 NVDA promo and the 8.1% promo; these stack on top of the $25 signup gift. (The 3% ACATS promo is not mentioned; it applies to all new users, and you should find it in the app after signing up. You can also message/chat with MooMoo to confirm that it applies to your account, if you want to be safe.)
3. After signing up with the referral link and completing account set up, click again on the same referral link and ‘Claim’ the $25 reward. (I did it on a web browser when logged in, but it should work on mobile as well.) The system will prompt you to deposit at least $100 within 14 days and that will Unfreeze the $25 reward. Since I already had my bank linked and verified, I immediately did the ACH transfer from my bank and then my $25 Cash Reward got Unfrozen. (A wire transfer would work to Unfreeze the $25 signup gift as well.) After the reward is unfrozen, be sure to place a trade within six months of $200 or more to get the $25 Cash Reward credited. I’d recommend buying two shares of SGOV in a single transaction which will be more than $200. After buying the SGOV, the $25 got added to my Cash Sweep account (I don’t recall if it was the same day or next day). You can immediately sell those shares of SGOV if you’d like. (If you’re a lucky one who ends up with a $50 or $100 signup gift, then you need to make a higher $500 trade to get the reward.) The rules (since 11/26/25) require you first to get the $25 referral bonus before making any deposit. So you’ll want to make sure to ‘Claim’ the signup gift reward before initiating any deposit.
4. Update 12/17/25: There’s a signup link in Chinese language that someone found which shows a $100 bonus – that’s better than using the above-mentioned $25 referral link. 
5. Then I transferred $50,000 in cash to MooMoo. You don’t need to send the entire $50,000 in a single transfer to get the bonuses. You can do part via ACH and part via wire, or split it across multiple ACH/wires. I did a small deposit via ACH to complete account setup, and then did the rest via the various transfer options: instant-transfer, ACH, wire, debit-card. All ACH transfers get initiated from within MooMoo, not from your external bank. (MooMoo only allows ACH-in of $15k per month, though it’s sometimes possible to increase that limit. If you’re aiming for $50k you might want to wire the funds. You can find full wire instructions in MooMoo app. Others had no issues getting their ACH limit increased to $50k – first do $100 ACH transfer completed to fully set up the account and then see if you can get your ACH limit increased to $50k. Note: during signup the system will show you $50k ACH ability, but it fails in practice, so limit your initial signup ACH to $100-$15k range.)
6. After completing the $50,000 transfer, I immediately saw the $1,000 NVDA stock bonus ($20 + $30 + $250 + $700) in my account, but it’s frozen pending the 60 day lockup period. (NVDA stock price fluctuations do not effect the bonus until the time when the bonus is unlocked on day #60.)
7. Be sure to activate Cash Sweep account in MooMoo to be eligible for the regular 3.35% rate, otherwise the money just sits and earns no interest at all. Note: even after funds show in your MooMoo account, it often takes them a couple of days until they push the funds over into the Cash Sweep account. 
8. Once you have a nice chunk of money showing up in the MooMoo Cash Sweep account, then you should activate the 4.75% booster rate (found in the My Rewards section) to get the bonus 8.1% APY rate. Your 90-day clock for the 8.1% rate will start ticking when you activate the booster rate. (See this comment for more info on how the booster rate works when interest rates change.)
9. I’m keeping the $50,000 in my Cash Sweep account for 60 days: I’m getting 8.1% APY on $20k and I’m getting the regular 3.35% APY rate on the rest. (You can also choose to buy stocks or SGOV with the $50k if you’d like. Regardless, you’ll want to keep at least $20k in the Cash Sweep account to get the 8.1% interest rate.)
10. At the 60-day mark my $1,000 NVDA reward will be guaranteed. I can move out all my funds now, but I’ll keep at least $20k in MooMoo Cash Sweep until the 90-day mark in order to maximize the excellent 8.1% interest rate. After 90 days I’ll decide whether to remain with MooMoo long-term.
11. As a separate bonus, I did the 3% match bonus with an ACATS-transferred of $20,000 worth of ETFs from my current brokerage account into MooMoo to get the 3% match ($600 bonus). This ACATS bonus is completely separate; you can choose to do the ACATs bonus or the NVDA bonus or both.
12. First, I bought $20,000 of SGOV in my existing brokerage, then I transferred the $20,000 SGOV to Moomoo in one single ACATS transfer. Immediately after the SGOV cleared into my MooMoo account, I found the 3% match bonus as an award in my account. The award is currently ‘Frozen’ in my MooMoo account for 90 days. (For reasons that are somewhat technical, it might be more optimal to do the 3% ACATS bonus before doing the NVDA deposit bonus; see more discussion in this comment.)
13. Remember that some brokerages charge an ACAT-out fee, so you’ll want to use one like Fidelity or similar who does not charge that fee. Partial account transfers are more likely not to have a ACATS-out fee, contact your current brokerage to find out their fee schedule. (You might want to first contact MooMoo first to find out if your brokerage allows ACATS transfer to MooMoo since there are some brokerages like Merrill that don’t work via the standard ACATS system. Also note, some people did an ACATs of cash instead of SGOV. It’s a little tricky to ACAT cash so I decided to do an ACATS of SGOV instead. You can also do an ACATS of any other stock or ETF to MooMoo, just remember that if you ever want to ACATS-out the stock you’ll have to pay the MooMoo ACATS-out fee. I did SGOV so that if I ever want to move the funds out I simply sell it and transfer out the cash with no stock-gains-taxation-event to worry about.)
14. After the $600 Cash Coupon in 90 days, I’ll figure out how to redeem the Cash Coupon and then I’ll get the $600 credited to my account.  At that point, I’ll choose whether to move all of my funds elsewhere or to remain with Moomoo long-term.

All-in, I’ll tie up $70,000 for 60-100 days and I’ll get $1,000 NVDA + around $200 value from the 4.75% booster rate + $600 from the ACATS 3% bonus match = $1,800 total. (Plus, the $25 referral bonus and possibly a couple of other small MooMoo bonuses which you’ll find along the way.)

General note: with MooMoo there are lots of ‘Unlocks’ and ‘Activates’ and ‘Coupons’ and ‘Claims’. You’ll want to poke around the MooMoo app every now and then to make sure all of your coupons and rewards get claimed, unlocked, unfrozen, and activated. 

Overall this is an excellent bonus for someone who has the cash. I think of this as the best ‘large deposit bank bonus’, though technically MooMoo is a brokerage and not a bank.

We’ve added this to our list of Best Brokerage Bonuses and Best Bank Bonuses. Separately, there is a targeted deposit/transfer offer for existing MooMoo customers.

Hat tip to Shawntheshawn