Okay, so here’s what caught our eye. moomoo is giving new US clients fractional NVDA stock for a first deposit, up to $1,000 of it.
There’s a catch, and it’s a fair one. You have to keep the money in for a while. We checked the terms on October 30, 2026, and the offer runs until December 31, 2026.
We walk through it below. Quick note first: investing involves risk, including loss of money.
The moomoo Deal That’s Live Right Now (With the Fine Print)
The brand calls it the Welcome Bonus. It’s open to people who never made a deposit or transfer at moomoo before January 1, 2026. You need to be a US resident, 18 or older, with a valid SSN.
How much you get depends on your net deposit. That’s deposits minus withdrawals.
| Net deposit | NVDA stock reward | Keep average assets of |
|---|---|---|
| $500+ | $30 | $500 for 60 days |
| $2,000+ | $100 | $2,000 for 60 days |
| $10,000+ | $200 | $10,000 for 60 days |
| $50,000+ | $400 | $10,000 for 60 days, then $50,000 for 120 days |
| $100,000+ | $1,000 | Steps up to $100,000 for 180 days |
The shares are fractional NVDA, valued at the live quote when you claim them.
And then there’s the cash part. New users get a 3.6% base APY in the Cash Sweep program. Activate the 4.5% APY Booster in the app and it goes to 8.1% APY for 60 days. That rate is as of 09/18/2026 and can change.
Oh, and the booster only covers your first $20,000. You also have to activate the coupon within 12 months.
Only ACH, wire and instant transfer deposits count. Moving stocks in from another broker does not.
Best for: someone who already planned to fund a new brokerage account and can leave the money alone for two months.
Tip: pick your tier before you deposit. Pulling cash out early can cost you the reward, the terms say.
Identify First: What Is moomoo, Really?
It’s a trading app. In the US, accounts sit with Moomoo Financial Inc., and the site says it this way: “Securities offered through Moomoo Financial Inc., Member FINRA/SIPC.”
So what do people trade there? US stocks, ETFs, options, fractional shares and IPOs, per the site. Crypto goes through a separate company, Moomoo Crypto Inc.
The brand says its community has 31M+ users worldwide.
Evaluating the 5 moomoo Tools People Open Most
Paper Trading
You practice with fake money. Per moomoo, it’s free in the app, no brokerage account needed. Honestly, that’s how a lot of beginners should start.
Level 2 Data and Charts
The site lists 100+ technical indicators and 38+ drawing tools. Level 2 data is free once your 30-day average account value reaches $100 or more.
Options Trading
There’s a $0 equity options contract fee, and the site mentions 13 options strategies. Index options cost $0.50 per contract. Options carry real risk and need approval, so read up first.
Cash Sweep
Idle cash sits here and earns interest. New user accounts get the 3.6% base APY. We think it’s the tool most people overlook.
moomoo engine
A paid membership that pulls research, options tools and order execution into one place. The site offers a 30-day free trial.
Best for: newer investors, start with Paper Trading. Already trade options? Go straight to the charts.
Compare Time: moomoo Next to Webull and Robinhood
All three are US apps with commission-free stock trading. Here’s what we found on each brand’s site, plus a couple of review sites where noted, in fall 2026.
| Feature | moomoo | Webull | Robinhood |
|---|---|---|---|
| US stock and ETF commission | $0 | $0 | $0 |
| Equity options commission | $0, plus $0 contract fee | $0 | $0 |
| Index options fee | $0.50 per contract | $0.50 per contract | $0.50, or $0.35 with Gold |
| Free paper trading | Yes, no account needed | Yes | See their site |
| Charting tools | 100+ indicators, 38+ drawing tools | Real-time quotes, Greeks, IV | Advanced trading tools |
| Level 2 data | Free at $100+ average value | 1 month free, then $2.99/mo | See Robinhood site |
| Cash rate | 3.6% base APY for new users | See Webull site | 3.6% APY with Gold ($5/mo) |
| Crypto | 50+ coins | Offered | Offered |
| Broker status | Member FINRA/SIPC | Member FINRA and SIPC | Registered broker-dealer, member SIPC |
Best for: people who want free practice and deep charts without paying a monthly fee. That’s moomoo’s lane.
Tip: look at the Level 2 row. If you watch order flow, that $100 threshold is pretty easy to reach.
So Who Would We Recommend moomoo To?
- First-time investors who want to practice with paper money before risking a real dollar.
- Chart people. Like, the ones with ten indicators open at once.
- Got cash sitting idle while you decide what to buy? The 3.6% base APY helps there.
- Options traders who like a $0 contract fee on equity options, which, fair enough, adds up.
- Anyone funding a brand-new account before December 31, 2026, since the NVDA tiers only run until then.
Why Consider moomoo This Fall
Mostly the tools. Free Level 2 at a low balance and free paper trading are rare together. That’s why moomoo stands out to us.
But the timing helps too. The Welcome Bonus and the 8.1% promo APY both reward the same first deposit.
And look, the app is busy. Community feed, news from 50+ sources, screeners. Some people love that.
None of this is advice on what to buy. It’s just what the platform offers.
moomoo Fees, Funding and the Account Rules
Per the site, $0 commission trading applies to US residents trading US markets through Moomoo Financial Inc. Regulatory fees, exchange fees and index option fees may still apply.
ACH deposits are free on moomoo’s side. A reversed ACH costs $5 the first time and $10 after that. Incoming wires have no moomoo fee, though your own bank may charge one.
After an ACH deposit, you may get instant buying power. It starts at up to $1,000 and can go to $10,000, depending on your account.
The account types are an Individual Cash Account and an Individual Margin Account. You can hold one of each. Margin is listed at 6.8%, and margin trading carries extra risk, including interest debt.
SIPC coverage does not protect against market losses, the site says. Brokerage and crypto products are not FDIC insured.
Tip: keep the reward balance in mind before any withdrawal. It’s easy to forget during a 60-day hold.
FAQs
How long does the moomoo welcome offer last?
Until December 31, 2026, at 11:59 PM ET, per the terms. Then the holding period kicks in.
Do I need $100,000 to get anything?
Nope. The lowest tier starts at a $500 net deposit for $30 in NVDA stock.
Can I move my stocks from another broker to qualify?
Not for this one. Only ACH, wire and instant deposits count, which surprised us a little.
Is the 8.1% APY permanent?
No. It’s 3.6% base plus a 4.5% booster for 60 days, on your first $20,000. Rates can change.
Is moomoo a regulated broker?
The site says Moomoo Financial Inc. is Member FINRA/SIPC. Crypto runs through Moomoo Crypto Inc.
Final Verdict
We like moomoo for people who want strong tools without a monthly bill. Free paper trading, free Level 2 at a $100 average value and a $0 equity options fee is a solid mix.
The Welcome Bonus is a nice extra if you were funding an account anyway. Just know the deposit tiers, the 60-day holds and the December 31, 2026 end date before you start.
Investing involves risk, including loss of money. So read the terms first, and only put in what you can leave there.
