Moomoo Promotion: Free Stocks, Cash Bonus and APY Booster (Up to 8.1%)

Moomoo Sign Up Bonus terms

Other free stock promotions

How do I get free stocks from Moomoo?

The deposit bonus pays out in fractional shares of NVDA at fixed dollar values, tiered by deposit size:

Steps:

1. Use the link: sign up through this Moomoo referral link.
2. Fund by ACH, wire or instant transfer: this matters, because ACATS and FOP transfers do not qualify for the deposit bonus, so moving an existing portfolio across will not earn you the stock.
3. Maintain the required average assets for the specified period. Net deposit means total deposits minus total withdrawals, and average assets are calculated daily from the day after you claim.
4. Unlock your shares: after the holding period ends, the NVDA shares are added to your account and available for trading within 5 trading days.

Two things worth understanding before committing capital. The reward scales poorly against the deposit required: $30 on $500 is 6%, but $1,000 on $100,000 is 1%, locked for six months. And withdrawing during the holding period, so that your assets fall below the threshold, means you lose the reward.

Note also that the reward is a single stock. Receiving $1,000 of NVDA gives you concentrated exposure to one company, which is a different proposition from a cash bonus. You can sell the shares once they are unlocked.

How does Moomoo allocate the free stock?

Unlike lottery-style promotions where the reward is a randomly selected share, this promotion pays a fixed dollar value in NVDA, delivered as fractional shares. The number of shares is set by the NVDA price at the moment you claim.

That makes the value predictable at the point of award, though the position fluctuates with NVDA’s price afterwards like any equity holding. Note that fractional shares cannot be transferred out of Moomoo, so you would need to sell them to move the value elsewhere.

What about transferring an existing account?

Under the welcome bonus, assets transferred via ACATS (Automated Customer Account Transfer Service) or FOP (free of payment) do not qualify for the NVDA deposit bonus. Only funds deposited by ACH, wire or instant transfer count toward the tiers above.

Moomoo runs a separate Transfer In Promotion from 10 June to 31 December 2026 for customers who haven’t deposited or transferred before. If you move stocks, ETFs, certain options or cash to Moomoo by ACATS or FOP, you get a 3% match on the first $1 to $20,000 transferred, so up to $600, paid as a Cash Coupon in four equal quarterly instalments, the first unlocked 90 days after the transfer settles. The same promotion also includes the 8.1% APY offer for new customers.

How do I get the 8.1% APY on uninvested cash?

New customers who had not opened a Moomoo brokerage account before 1 January 2026 are eligible for a 3.6% base APY on uninvested cash in the Cash Sweep program, plus one 4.5% APY Booster Coupon, combining to 8.1% APY while active.

You must manually enrol in the Cash Sweep program and activate the coupon in the app. Neither happens automatically, and unactivated coupons expire.

Three limitations deserve attention, because the headline rate is considerably less generous than it appears:

• The booster runs for 60 days only. On $20,000, 60 days at 4.5% works out at roughly $148 in additional interest.
• It applies to the first $20,000 only. Cash above that earns the base rate.
• The base rate falls to 0.03% afterwards unless you subscribe to moomoo engine membership. That is the detail most coverage omits, and it means the 3.6% is not a lasting rate for most users.

Note also that swept cash sits at partner banks rather than in your brokerage account. It is eligible for FDIC insurance up to $2 million in total ($250,000 per program bank), but it is not SIPC-protected while swept.

Bottom line

The Moomoo welcome bonus is a reasonable incentive if you were already planning to open a US brokerage account, though the realistic value is more modest than the headline figures suggest.

A fair summary: $30 in NVDA on a $500 deposit held for two months is a decent return on a small commitment. The larger tiers scale down proportionally and lock capital for up to six months, and the 8.1% APY applies to $20,000 for 60 days before the base rate drops to 0.03% for users without a moomoo engine membership.

Also worth remembering that the stock reward is generally taxable as income in the US, so check how it will be reported on your tax forms.

As with any signup promotion, choose the broker first and treat the bonus as a secondary consideration. Over time, pricing, product range, and platform quality will matter far more than a one-off reward.

For the complete terms, see the Moomoo Welcome Bonus terms and conditions.