MooMoo $1,000 Cash Account Bonus

Update 9/2/26:

• From 9/1/26 through 10/31/26, they added a $100 bonus for someone who signs up using a referral link (instead of the prior $25 bonus). 
• You’ll get 10 x $10 coupons, and each coupon requires a buy order of $100 or more to redeem. You can buy a share of SGOV, for example.
• The new $100 bonus might be interesting even to someone not looking to do any serious deposit – you just need to use a referral link and deposit $100 to be eligible. Note, it’s not the simplest bonus since you have to do ten separate trades of $100 each in order to get the bonus (e.g. ten separate purchases of a share of SGOV).
• On a separate note, the $1k bonus and $600 bonus have been extended through 12/31/26.

The Offer

Direct Link to NVDA offer | NVDA terms  | 3% match bonus | $100 bonus (when signing up with a referral link)

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

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

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

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

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

   • Deposit $100,000 or more and receive $1,000 ($30 +$70+$100+$200+$600) in NVDA stock. Maintain $100,000 or more in assets for 180 days.
2. Separately, new MooMoo users also get a booster rate on their cash account of 4.50% for 60 days on balances up to $20,000. Total APY is 8.1% instead of the regular 3.60%.
3. Use a referral link to get an extra $100 in coupons (10 x $10) after depositing $100 (which you’re doing anyway). Terms
4. Separately, MooMoo offers an ACATS-transfer bonus match of 3%, up to $20,000 in transfers. Maxed out, you can get $600 from this if you maintain it for one year. You can transfer cash or stocks/ETFs, but the transfer needs to be via ACATS, and so it won’t overlap with the other NVDA deposit promo which needs to be a cash transfer via ACH/wire.
5. (Separately, they have a promo to get tickets to your preferred Mets game or concert if you transfer over $50,000. I believe this also needs to be done via ACATS transfer only.)
6. (MooMoo also has a regular ongoing deal to get $1,000 in free margin when you are in their V3 membership tier – you’ll have that automatically when you have $25k+ in assets.)

Our Verdict

This can be a nice offer for someone with large cash reserves since you’ll get the regular solid interest rate offered in the MooMoo account on top of these additional bonuses. (Or you can buy SGOV in MooMoo, if you prefer, and still get the full bonus.) There is no Chex pull and no hard pull when you open a MooMoo account.

Here’s how I’d go about doing this MooMoo offer:

1. Open an account with MooMoo via a referral link for a $100 bonus. You can sign up via referral link and still be eligible for the other bonuses for $1,000/$600/8.1%.
2. You can find or leave a MooMoo referral link on this dedicated page. Here is my MooMoo referral link. (Referral links confusingly show $200, but it’s really $100 in coupons for the new member and $100 per referral if you refer someone else.)
3. Next, transfer in $100,000 in cash to MooMoo. You don’t need to send it all in a single transfer to get the bonuses. If you’d like, you can split it across multiple wires/ACH transfers until you meet the $100,000. I did a small deposit via ACH to complete account setup, and then did the rest via the various transfer options: ACH, instant-transfer, wire, debit card. All ACH transfers get initiated from within MooMoo, not from your external bank. (MooMoo only allows ACH-in of $15k per month, though it’s sometimes possible to increase that limit. If you’re aiming for $50k you might want to wire the funds. You can find full wire instructions in MooMoo app. Some had no issues getting their ACH limit increased to $50k monthly – first do $100 ACH transfer completed to fully set up the account and then see if you can get your ACH limit increased to $50k. If you are doing the $100k tier, you’ll probably want to do a wire which is unlimited. Note: during signup the system will show you $50k ACH ability, but it fails in practice – limit your initial ACH during signup to no more than $15,000. 
4. After completing the $100,000 transfer, you should immediately see the $1,000 NVDA stock bonus ($30+$70+$100+$200+$600) in the account, but it’s frozen pending the 60/120/180 day lockup period. (NVDA stock price fluctuations do not effect the bonus until the time when the bonus is unlocked.)
5. Be sure to activate Cash Sweep account in MooMoo to be eligible for the regular 3.35% rate, otherwise the money just sits and earns no interest at all. (Side note: even after funds show in your MooMoo account, it often takes them a couple of days until they push the funds over into the Cash Sweep account.)
6. Once you have a nice chunk of money showing up in the MooMoo Cash Sweep account, then you should activate the 4.50% booster 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 info on how the booster rate works when interest rates change.)
7. You’ll want to keep at least $20k in the Cash Sweep account to get the 8.1% interest rate. The additional $80,000 you can either keep in the Cash Sweep account to earn 3.35% or buy SGOV to potentially earn slightly more. If you’d like, you can buy any other stock/ETF as well.
8. At the 180-day mark the full $1,000 NVDA reward will be guaranteed and you can then decide whether to keep the funds with MooMoo or move to somewhere else. 
9. As a separate bonus, I did the 3% match bonus with an ACATS-transfer of $20,000 ETFs from my current brokerage into MooMoo to get the $600 max bonus. This ACATS bonus is a completely separate bonus; you can choose to do the ACATs bonus or the NVDA bonus or both.
10. First, I bought $20,000 of SGOV in my existing brokerage, then I transferred the $20,000 SGOV to MooMoo in one single ACATS transfer. Immediately after the SGOV cleared into my MooMoo account, I found the 3% match bonus as an award in my account. The award will be locked in your MooMoo account and paid out in four increments, on Days 90, 180, 270, and 360. (For reasons that are somewhat technical, it might be more optimal to do the 3% ACATS bonus before doing the NVDA deposit bonus; see more discussion in this comment.)
11. Remember that some brokerages charge an ACAT-out fee, so you’ll want to use one like Fidelity or similar who does not charge that fee. Partial account transfers are more likely not to have a ACATS-out fee, contact your current brokerage to find out their fee schedule. (You might want to first contact MooMoo first to find out if your brokerage allows ACATS transfer to MooMoo since there are some brokerages like Merrill that don’t work via the standard ACATS system. Also note, some people did an ACATs of cash instead of SGOV. It’s a little tricky to ACAT cash so I decided to do an ACATS of SGOV instead. You can also do an ACATS of any other stock or ETF to MooMoo, just remember that if you ever want to ACATS-out the stock you’ll have to pay the MooMoo ACATS-out fee. I did SGOV so that if I ever want to move the funds out I simply sell it and transfer out the cash with no stock-gains-taxation-event to worry about.)

All-in, you’ll be tying up $100k for 6 months and an additional $20k for a full year. You’ll end up with $1,000 NVDA + around $150 value from the 4.50% booster rate + $600 from the ACATS 3% bonus match + $100 referral bonus + possibly a couple of other small MooMoo bonuses which you’ll find along the way. 

General note: Be sure to unlock and claim any coupons/rewards since they don’t automatically get credited to your account.

Overall this can be nice bonus for someone who has the cash. I think of this as a ‘large deposit bank bonus’, though technically MooMoo is a brokerage and not a bank.

We’ve added this to our list of Best Brokerage Bonuses and Best Bank Bonuses. Separately, there is a targeted deposit/transfer offer for existing MooMoo customers.

Update History:

• Update 7/17/26: The extra $30 in SpaceX stock has been replaced with extra $30 in SK Hynix stock through 07/31
• Update 6/12/26: The signup link now also offers an extra $30 in SpaceX stock for depositing $5,000, through 06/30. Shows up on referrals as well. 
• Update 2/12/26: USCreditcards101 has an affiliate link that offers a $100 Amazon gift card on some tiers. We don’t have any relationship with them or Moomoo, just trying 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 are not 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 breakdown of the changes: (1) The $1k NVDA bonus tier now requires $100k for the $1k NVDA (previously $50k). (The $2k tier is actually better than before; everything else is worse.) If you anyway have extra cash in a high yield savings account then this change is not really too bad since the MooMoo account offers a pretty good regular interest rate, or you can buy SGOV within MooMoo. (2) The $400/$1,000 NVDA bonus tiers ($50k/$100k deposit) now have a longer hold time of 120/180 days (previously it was 60 days for all tiers). (3) The 8.10% boost rate (on up to $20,000) is now valid only for 60 day (previously it was for 90 days). (4) The 3% match bonus (up to $600 bonus) is now paid out in 4 increments over the course of one year (previously it was paid out fully after 90 days).