Examined Aug 17, 2026 Paid in NVDA stock Offer ends Aug 31, 2026

Real rewards, wrapped in the longest lock-up on this site.

Q: What happens if you withdraw during the moomoo freezing period?

From moomoo's official terms: if you withdraw assets during the bonus freezing period resulting in your account equity falling below the bonus threshold, you will not be able to claim free stocks.

Worth it ifyour money was going to sit in a brokerage for months anyway. If it was not, the forfeiture clause makes this the easiest bonus here to lose.

$30–$100 for common tiers$1,000 ceiling, $100k parkedNVDA · 60–180 daysEnds Aug 31, 2026

$30–$100the realistic NVDA reward for the $500 and $2,000 tiers, unlocked after 60 days of holding

The $1,000 ceiling needs $100,000 parked for up to 180 days. Every dollar of the reward is frozen behind a holding requirement with an explicit forfeiture clause, and the promotion ends August 31, 2026.

What pays what

$500+ deposit, held 60 days	$30
$2,000+, held 60 days	$100
$10,000+, held 60 days	$200
$50,000+, staged to 120 days	$400
$100,000+, staged to 180 days	$1,000

Rewards credit within about 5 trading days after each holding period ends. Deposits count via ACH, wire, or instant transfer, made during the promo window (January 1 to August 31, 2026). Eligible: US residents 18+ with an SSN who had no moomoo brokerage account before 2026, or an account with zero prior deposits.

From moomoo’s official terms: “If you withdraw assets during the bonus freezing period resulting in your account equity falling below the bonus threshold, you will not be able to claim free stocks.”

Do this, in this order

Never deposit money with other plans. Pull assets out during the freezing period and drop below your tier, and the frozen stock is gone.
Add a buffer above your tier. “Average assets” means market losses can sink you below the threshold without withdrawing a cent. Deposit 10–15% extra.
Do not count on the 8.1% APY. It is 3.35% base plus a 4.75% booster you must manually activate, capped at $20,000, effective roughly 60 days. Value it at tens of dollars, not hundreds.
Note the values and beat the deadline. Rewards are NVDA stock, income at claim-time value on a 1099, and the promotion ends August 31, 2026.

The rate in the headline8.1% APY
The base rate, before you switch the booster on3.35%

The 4.75% booster has to be switched on by hand, is capped at $20,000, and runs about 60 days.

Open on moomoo.comMoomoo’s official welcome page. The tiers are public; no referral needed.

Compare other investing offersSee Robinhood, Webull, and the rest side by side.

Is it worth your time?

About fifteen minutes plus a deposit you leave alone for two to six months. If your money was going to sit in a brokerage anyway, moomoo’s tiers pay better than most, $30 to $100 for the common ones. If it was not, the forfeiture clause makes this the easiest bonus on this site to lose.

If moomoo does not fit

RobinhoodGift stock for a new account and linked bank; no deposit$5 Webull20 fractional shares for a $500+ deposit; a 12-month hold$60–$200 M1 Finance$75 for you, but it needs a $10,000+ deposit$75