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Brokerage & investing bonuses

11 offers

Brokerages rarely hand new customers cash. They hand out stock, and stock arrives with strings: lock-ups before you can sell, maintenance periods before you can withdraw, and fractional shares that cannot move to another broker in kind. Every row states the hold, because the hold is the price. The full comparison is on one page: lock-ups, holds and transfer rules.

The advertised ceilings are lottery odds, not offers. Robinhood's gift stock is $5 for about 99 in 100 people, and the figure in the advertisement is the 1-in-1,000 outcome. Moomoo's $1,000 needs $100k parked for up to 180 days. We print the realistic number first and label every ceiling with the condition that gates it.

One test decides most of these: never park money you might need during the hold window. A bonus that is forfeited the moment you withdraw is not yours until the calendar says so.

The recurring trap here: holding periods and lock-ups on stock rewards.
Before you tap anything: some of the links below are referral links that pay this site a commission. Your bonus is never smaller because of it, and where going direct pays you more, the entry says so.
Robinhoodgift stock for ~99% of people; $200 is the 1-in-1,000 ceiling $5Gift stock The stock is triggered by linking a bank, not by opening the account; unclaimed rewards expire in 60 days VerifiedJul 27, 2026 Worth it Guide Webullour estimate for 20 fractional shares; $3,000/share is the unpublished-odds ceiling ~$60–$200Fractional shares 12-month maintenance period, and fractional shares cannot transfer to another broker in-kind VerifiedJul 27, 2026 Worth it if Guide Moomooin NVDA stock; $1,000 needs $100k parked up to 180 days $30–$1,000NVDA stock Withdrawing below your tier during the freeze forfeits the stock, and market dips count against you VerifiedAug 17, 2026 Worth it if Guide Publicin a stock or ETF you pick from their pool $20Fractional stock A $1,000 deposit for a $20 reward, and the share is non-transferable with its value floating VerifiedJul 27, 2026 Worth it if Guide Acornsin reward shares for a $5 deposit; small but nearly automatic $5ETF shares Acorns is a $3+/mo subscription, which outruns the bonus if you were not staying anyway VerifiedAug 15, 2026 Think twice Guide Stashcash by promo, for a $5 deposit $20–$30Cash to Stash The bonus must stay in the account 90 days, and the $3+/mo subscription eats it if you forget to cancel VerifiedJul 27, 2026 Think twice Guide M1 Financeboth sides, but only with a $10,000+ deposit; the highest bar in this category $75Cash $10k minimum, and if you use an IRA the money then lives under retirement withdrawal rules VerifiedJul 27, 2026 Worth it if Guide tastytradecash, both sides, for a $1,000 deposit; the current program window runs through Nov 30, 2026 $100Cash The friend's funds must stay 6 months, and the bonus cannot be withdrawn until that hold ends VerifiedAug 15, 2026 Worth it Guide Charles Schwabtiered by net deposit: $100 at $25,000, $300 at $50,000, $500 at $100,000, and $1,000 at $500,000. It all goes to the friend, and the Schwab client who referred them gets nothing $100–$1,000Cash Below $25,000 you get nothing at all, and only genuinely new-to-Schwab money counts toward the tier VerifiedJul 27, 2026 Worth it if Guide Fundrisein bonus shares, tiered by the REFERRER's account value rather than their plan, and Fundrise states there is no purchase or investment necessary by you or your invited friends $25–$100eREIT shares Paid in illiquid eREIT shares: redemptions can take quarters and can be paused entirely VerifiedJul 27, 2026 Worth it if Guide Groundfloorin restricted investment credits for a $1,000 investment $100Restricted credits Credits must be invested in a loan and that loan repaid (months to years) before the money is withdrawable VerifiedJul 27, 2026 Think twice Guide

Every entry above was verified on the official terms on the date shown. When terms change, the row changes.

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