The Offer
- MooMoo (the fintech brokerage) is offering existing customers a deposit bonus for adding new cash funds to their account (wire/ACH, etc), or for transferring stocks/ETFs/cash from another broker.
- Funds must remain with MooMoo for 90 days after receiving the bonus. (Bonuses post within 10 business days after 1/31/26. If you deposit near the end of the promo, expect a total hold time of around 105–110 days.)
Bonus tiers:
- $10,000 – $24,999: $200 bonus
- $25,000 – $99,999: $300 bonus
- $100,000 – $249,999: $600 bonus
- $250,000 – $499,999: $1,200 bonus
- $500,000 – $999,999: $2,000 bonus
- $1,000,000+: $4,000 bonus
Bear in mind that SIPC insurance is limited to $500k total and only $250k on cash.
The Fine Print
- Valid October 15th, 2025 through January 31st, 2026
- Only valid for existing customers who have already made a deposit or an ACATS transfer that settled before Oct 15th, 2025. New brokerage customers who haven’t made the first deposit are not eligible for these promotions.
- Must register for this promotion first. (Readers mention seeing it in the “Promotions” tab of the app.)
- The Cash Rewards will be credited to your Moomoo Financial Inc. brokerage account within 10 business days after the end of the Promotion Period (which is 1/31/26).
- Cash Rewards can be used when clients reach the unlock condition: keep the eligible assets in Moomoo account for 90 days after clients get the Cash Rewards. In the unlocking period, clients can trade their transferred/deposited assets but if they transfer out or withdraw the funds, unlocking will fail. Due to the unlocking period, kindly check the “my rewards” list when you receive the Cash Rewards.
• Cash Rewards are valid for 6 months from the date of issuance of the reward.
• Cash Rewards are applicable to MFI brokerage accounts and can only be used to buy U.S. market Stocks, Fund (REITs, ETF); HK market Stocks, Fund(REITs, ETF, Leveraged and Inverse Products); Cash Rewards represent the value of a potential credit to a brokerage account and are not discounts on your purchase orders. Cash Rewards may be taxable to you. - You can only receive one set of reward for this Promotion, with no more than one account enrolled per person. Each device, regardless mobile or computer, can be only entitled to one set of reward of this Promotion.
Our Verdict
We’ve seen this type of offer from MooMoo in the past. These offer tiers are solid for an existing customer promo. It’s only for existing customers who had funds settled in their MooMoo account before 10/15/25. There are some separate excellent promos from MooMoo for new customers which you can read about here.
Given the relatively short hold period, this deal is especially solid for transferring stock/ETFs, if you’re willing to go through the hassle. Just note, in the past, some have mentioned issues with MooMoo transferring over the cost basis properly. Also note, MooMoo allows ACATS-in transfers, but not ACATS-out transfers; they use a different system to transfer out. Decide for yourself if you want to deal with that.
This offer can also be a good deal for cash transfers: MooMoo offers a competitive interest rate on the cash account (currently 3.85%), and so you aren’t necessarily losing out on any interest APY by keeping your money with MooMoo versus another high yield option. Just be sure to first activate the cash sweep account in MooMoo to get the 3.85% rate. Some math:
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The $10k tier gives the best return at about 2% for a roughly four-month hold. That works out to around 6% APY, on top of the regular 3.85% APY, for a combined yield of around 10% APY.
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At the $100k tier, the $600 bonus equals 0.6%, or about 1.8% APY annualized. Combined with the 3.85% sweep yield that’s around 5.65% and comes out ahead of most high-yield savings accounts.
I happen to be in an odd position: I opened a MooMoo account (for the new-customer bonuses, still live) before October 15th, but my funding hasn’t yet settled, and so technically I’m not eligible for this existing-customer deposit promo.
Those who opened an account before 10/15 and did a small funding, and have not yet done the large $50k funding for the NVDA bonus: they would seem to be in the enviable position of being able to trigger this bonus incidentally while they are meeting the other bonus. They’ll transfer in $50k to get the $1k NVDA bonus, as they were planning on doing anyway, and – far as I can tell – they’ll also get $300 from this new bonus. They can also send more than $50k and get higher bonuses. Or, if they are ACATing $20k of ETFs to MooMoo for the 3% match ($600 bonus) then they’ll also trigger the $200 component of this bonus. I’m unsure if the wire/ACH method combines with the stock/ETF method to trigger a higher bonus (e.g. $50k + $20k + add another $30k of either cash or stock to get the higher $600 tier.)
Hat tip to reader Shawn
