How much is the moomoo welcome bonus in 2026?

Tiered NVDA stock rewards: $30 for depositing $500+, $100 for $2,000+, $200 for $10,000+, $400 for $50,000+, and $1,000 total for $100,000+. Each tier unlocks only after maintaining the balance for 60 to 180 days. The promotion runs January 1 through August 31, 2026.

What is the catch with the moomoo bonus?

The holding requirement. Rewards are frozen until you maintain the tier's average assets for 60 days (small tiers) up to 180 days (the $100,000 tier's final portion), and moomoo's terms state that withdrawing assets during the freezing period so your equity falls below the threshold forfeits the free stocks. Market losses also count against your average assets.

Is moomoo's 8.1% APY real?

It is a 3.35% base rate plus a 4.75% booster coupon, capped at your first $20,000 of uninvested cash, and the booster is effective for roughly 60 days and must be manually activated. As a headline it overstates what most people will earn; as two months of boosted interest on up to $20,000 it is a modest, real perk.

Do I need a moomoo referral link?

No. The welcome bonus is a public promotion; a referral link only adds a reward for the referrer. Your deposit bonus comes from the same public tiers either way.

Is the moomoo bonus taxable?

Generally yes. The NVDA stock is income at its value when granted and is reported on a 1099. Not tax advice.

Moomoo welcome bonus · 2026 · the messiest fine print here

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

Moomoo’s welcome bonus pays actual NVDA stock on a clear tier table, and the numbers are competitive. The reason it’s the last guide we published: every dollar of it is frozen behind 60-to-180-day holding requirements with an explicit forfeiture clause, and the “8.1% APY” headline is really a 60-day booster on your first $20,000. This offer rewards exactly one kind of person: someone whose money was going to sit in a brokerage anyway.

$30–$100Realistic tiers ($500 / $2,000 deposits)

$1,000The ceiling: $100k parked up to 180 days

Aug 31, 2026Promotion ends

Public offer, no referral needed Paid in NVDA stock 60–180 day holding rules US residents, 18+, SSN

From the official terms

The tier table, with its hidden third column

Every listicle shows the first two columns. The third one is where the bonus is won or lost.

Net deposit	NVDA reward	Unlock requirement
$500+	$30	Maintain $500+ average assets for 60 days
$2,000+	$100	Maintain $2,000+ for 60 days
$10,000+	$200	Maintain $10,000+ for 60 days
$50,000+	$400	Staged: 60 days at $10,000+, then 120 days at $50,000+ for the last $200
$100,000+	$1,000 total	Staged: 60 days at $10,000+, 120 at $50,000+, 180 at $100,000+ for the final $400

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.

Read this twice

The forfeiture clause, in moomoo’s own words

From the 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.”

The early withdrawal. Pull money out during the freezing period, drop below your tier, and the frozen stock is gone. No appeal.

The market dip. “Average assets” means investment losses can sink you below the threshold without withdrawing a cent. Deposit a buffer above your tier.

The APY halo. 8.1% = 3.35% base + a 4.75% booster you must manually activate, capped at $20,000, effective for roughly 60 days. Value it at tens of dollars, not hundreds.

The big-tier trap. The $1,000 ceiling means six figures parked for up to 6 months. Money with any other plans doesn’t belong in this promo.

The clean sequence

How to collect it without losing it

Step 1

Sign up & verify

Directly on moomoo.com before August 31, 2026. No referral link needed; the welcome tiers are public.

Step 2

Deposit with a buffer

Pick the tier your existing plans support and add 10–15% so a red month can’t drop your average below the line.

Step 3

Activate the booster, then wait

Turn on the APY booster coupon manually, then leave the account alone through the 60-to-180-day freezing period.

Step 4

Unlock and note values

Rewards land within ~5 trading days of each holding period ending. Note claim-time values for the 1099.

Quick answers

Moomoo bonus FAQ

What will I realistically get?

Most people land the $500 or $2,000 tier: $30 to $100 of NVDA stock, unlocked after 60 days of maintaining the balance. The $1,000 ceiling requires $100,000 maintained for up to 180 days.

Can I withdraw my deposit early?

Not without risk. Withdrawing during the freezing period so your equity falls below your tier forfeits the frozen stock, per the official terms. Treat the deposit as locked for the full holding period.

Does a market drop count against me?

Yes. The requirement is average account assets, so investment losses can pull you below the threshold. A 10–15% buffer above your tier is the practical protection.

Is the 8.1% APY worth it?

It’s a real but modest perk: base 3.35% plus a manually activated 4.75% booster, capped at $20,000, effective about 60 days. That’s roughly $150 of extra interest at the cap, then it reverts.

Do I need a referral link?

No. The welcome bonus is public. Referral links only change what the referrer earns; your tiers are identical either way.

Is it taxable?

Generally yes, income at the stock’s value when granted, on a 1099. Not tax advice.

Strong bonus, strict rules

If your money was going to sit in a brokerage for months anyway, moomoo’s tiers pay better than most. If it wasn’t, the forfeiture clause makes this the easiest bonus on this site to lose. Know which person you are before depositing.

Moomoo official offer page

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