MooMoo Brokerage Bonus: Up to $1,000 on $100,000 Deposit and Three More Bonuses

There’s an extra $30 in SpaceX stock for depositing $5,000, until 06/30. It also appears in referrals.

Offers

Direct link to the NVDA offer | NVDA Terms | 3% match bonus

1. MooMoo Brokerage offers new users a bonus of up to $30-$1,000 in NVDA stock when you deposit $500-$100,000 in cash:

   • Deposit $500 or more and get $30 in NVDA stock. Hold $500 or more in assets for 60 days.

   • Deposit $2000 or more and get $100 ($30+$70) in NVDA stock. Hold $2,000 or more in assets for 60 days.

   • Deposit $10,000 or more and get $200 ($30 + $70 + $100) in NVDA stock. Hold $10,000 or more in assets for 60 days.

   • Deposit $50,000 or more and get $400 ($30 + $70 + $100 + $200) in NVDA stock. Hold $50,000 or more in assets for 120 days.

   • Deposit $100,000 or more and get $1,000 ($30 + $70 + $100 + $200 + $600) in NVDA stock. Hold $100,000 or more in assets for 180 days.
2. Separately, new MooMoo users also get a booster rate on their cash account of 4.75% for 60 days on balances up to $20,000. The total APY is 8.1% instead of the regular 3.35%.
3. Use a referral link to get an extra $25.
4. By June 30, 2026, you’ll also receive $30 in SpaceX stock when you deposit $5,000 (which you likely will anyway).
5. Separately, MooMoo offers an ACATS transfer bonus match of 3%, up to $20,000 in transfers. At most, you can get $600 out of it if you hold it for a year. You can transfer cash or stocks/ETFs, but the transfer must be via ACATS, and thus will not overlap with NVDA’s other transfer promotion, which must be a money transfer via ACH/wire.
6. (Separately, they have a promotion to get tickets to your favorite Mets game or concert if you transfer over $50,000. I believe this should also be done via ACATS transfer only.)
7. (MooMoo also has a regular ongoing deal to get $1000 in free margin when you’re at their V3 membership level – you’ll get it automatically when you have $25K+ in assets.)

Our verdict

This can be a nice offer for someone with large cash reserves, as you will get the usual interest rate offered on the MooMoo account on top of these additional bonuses. (Or you can buy SGOV on MooMoo, if you prefer, and still get the full bonus.) There are no Chex withdrawals and no hard withdrawals when you open a MooMoo account.

Here’s how I would make this MooMoo offer:

1. Open an account with MooMoo through a referral link for a $25 bonus. You can sign up through the referral link and still be eligible for the other bonuses for $1,000 / $600 / 8.1%. See these terms (section 3) to claim the $25 bonus. The $25 bonus won’t show up on the signup page and some people complain that it doesn’t end up tracking – lots of people have had success and it can’t hurt to try. (You can find or leave a MooMoo referral link on this dedicated page. Here it is my MooMoo referral link.)
2. Then, transfer $100,000 in cash to MooMoo. You don’t need to send them all in one transfer to get the bonuses. If you want, you can split it into multiple wires/ACH transfers until you meet $100,000. I made a small deposit via ACH to complete the account setup and then did the rest via various transfer options: ACH, instant transfer, wire, debit card. All ACH transfers are initiated internally by MooMoo, not by your external bank. (MooMoo only allows ACH of $15K per month, though sometimes it’s possible to increase that limit. If you’re aiming for $50K, you might want to pool the funds. find complete wire instructions in the MooMoo app. some there were no problems increasing their ACH limit to $50k per month – first do the $100 ACH transfer to fully set up the account and then see if you can increase your ACH limit to $50k. If you’re making the $100k level, you’ll probably want to make a wire that’s unlimited. Note: during registration, the system will show you the ACH capability of $50k, but in practice it fails – limit your initial ACH during registration to no more than $15,000.
3. After completing the $100,000 transfer, you should immediately see the $1,000 ($30+70+$100+200+$600+) NVDA stock bonus in your account, but it is frozen pending the 60/120/180 day lock-in period. (NVDA stock price fluctuations do not affect the bonus until the bonus is unlocked.)
4. Be sure to activate the Cash Sweep account at MooMoo to qualify for the regular rate of 3.35%, otherwise the money just sits and earns no interest at all. (Side note: even after the funds show up in your MooMoo account, it often takes a few days for them to push the funds into the Cash Sweep account.)
5. Once you have a good chunk of cash showing up in the MooMoo Cash Sweep account, then you need to activate the 4.75% boost rate (found in the My Rewards section) to get the bonus 8.1% APY rate. Your 60-day clock for the 8.1% rate will start ticking when you activate the booster rate. (See this comment (for more information on how the booster rate works when interest rates change.)
6. You’ll want to keep at least $20,000 in the Cash Sweep account to get the 8.1% interest rate. An additional $80,000 that you can either keep in the Cash Sweep account to earn 3.35% or buy SGOV to potentially earn a bit more. You can also buy any other stocks/ETFs if you want.
7. At the 180 day mark the full $1000 NVDA reward will be guaranteed and then you can decide whether to keep the funds with MooMoo or move elsewhere.
8. As a separate bonus, I made the 3% match bonus with an ACATS $20,000 ETF transfer from my current brokerage to MooMoo to receive the maximum bonus of $600. This ACATS bonus is a completely special bonus; you can choose to do the ACATs bonus or the NVDA bonus or both.
9. First, I bought $20,000 SGOV at my existing brokerage, then transferred $20,000 SGOV to MooMoo in a single ACATS transfer. Shortly after SGOV was deleted in my MooMoo account, I found the 3% match bonus as a prize in my account. The prize will be credited to your MooMoo account and paid out in four installments, on days 90, 180, 270 and 360. (For reasons that are somewhat technical, it may be more optimal to do the 3% ACATS bonus ahead making NVDA deposit bonus; see more discussion in this comment.)
10. Remember that some brokerages charge an ACAT-out fee, so you’ll want to use one like Fidelity or similar that doesn’t charge that fee. Partial account transfers are more likely to not have an ACATS fee, contact your current brokerage to find out their fee schedule. (You may want to contact MooMoo first to find out if your brokerage allows ACATS transfer to MooMoo as there are some brokerages like Merrill that do not work through the standard ACATS system. Also note, sSome people did a cash ACAT instead of SGOV. It is one a bit complicated THE ACAT cash so I decided to do an ACATS of SGOV instead. You can also do an ACATS of any other stock or ETF on MooMoo, just remember that if you ever want to ACATS the stock, you will have to pay the MooMoo ACATS exit fee. I made SGOV so that if I ever want to get rid of the funds, I just sell them and transfer the cash without any events to worry about.)

All in all, you’ll be hooking up $100K for 6 months and an additional $20K for a full year. You’ll end up with $1,000 NVDA + about $156 worth from the 4.75% booster rate + $600 from the ACATS 3% bonus match + hopefully $25 referral bonus and maybe some others little MooMoo bonuses you’ll find along the way.

General Note: Be sure to unlock and claim any coupons/rewards as they are not automatically credited to your account.

All in all, this can be a good bonus for someone with money. I think of this as a big ‘deposit bank bonus’, although technically MooMoo is a broker and not a bank.

We have added this to the our list of the best brokerage bonuses AND The best banking bonuses. On its own, it exists a targeted deposit/transfer offer for existing MooMoo customers.

Story update:

• Update 2/12/26: USCreditcards101 has an affiliate link that offers a $100 Amazon gift card at several levels. We have no relationship with them or Moomoo, we just try to share the best deal.
• Update 1/1/26: All three offers ($1k NVDA, 8.1% APY, 3% match) have been extended through 3/12/26. Note: all three deals aren’t as good as before for those who sign up now in 2026. I’ve updated the post with the new details. Here is a quick summary of the changes: (1) The $1k NVDA bonus level now requires $100k per $1k NVDA (previously $50k). ($2k state is actually better than before; anything else is worse.) If you have extra money in a high-yield savings account anyway, then this change isn’t really too bad since the MooMoo account offers a pretty good regular interest rate, or you can buy SGOV within MooMoo. (2) NVDA bonus levels $400/$1000 ($50k/$100k deposit) now have a longer hold time of 120/180 days (previously it was 60 days for all levels). (3) The 8.10% rate increase (up to $20,000) is now only valid for 60 days (previously it was for 90 days). (4) 3% match bonus (up to $600 bonus) now paid in 4 increments over a year (previously paid in full after 90 days).