In March 2026, brokerage app Moomoo refreshed two customer-acquisition offers for new users and for existing users who have not yet funded their accounts, giving them a choice between up to $1,000 in NVDA stock for large cash deposits or a 3% ACAT transfer bonus with an 8.1% APY on cash sweep deposits for two months. The promotions, which run through an August 31, 2026 funding deadline for the deposit offer, are aimed at attracting assets onto the platform while investors continue to compare account-opening perks, transfer payments and short-term yield boosts.
Why the promotion matters now
Brokerage bonuses have become a standard tool for winning new assets, especially as investors keep more cash in money market funds, sweep accounts and brokerage-linked savings features. Moomoo’s latest update fits that pattern by pairing a headline stock reward with a temporary yield bump, giving customers two different ways to receive value depending on whether they are bringing in fresh cash or moving an existing portfolio.
The structure matters. One offer targets new cash deposits, while the other is built for investors transferring stocks, certain options, ETFs and cash from another brokerage account through ACAT, short for Automated Customer Account Transfer. That distinction determines who qualifies, how long the money must stay put and how easy it is to access the reward.
How the cash deposit bonus works
According to Moomoo’s terms, new customers can receive up to $1,000 of NVDA stock if they make a net deposit of $100,000 or more by August 31, 2026. The minimum hold period for the top tier is 180 days, and the company says customers can invest the deposited cash in stocks and options during that period, but they cannot withdraw it.
The offer also includes lower deposit tiers, though the top tier is the one getting the most attention because of its size and the Nvidia tie-in. The promotion combines the stock reward with an enhanced APY, but that higher rate applies only to the first $20,000 of cash sweep deposits and only for two months.
The math helps put the incentive in perspective. Earning $1,000 on a $100,000 deposit over 180 days equals about 1% for the holding period, or roughly 2% annualized on a simple basis. That is notably lower than the previous version described in Moomoo’s own update, which used a 60-day hold and worked out to about 6% annualized.
The APY component is also time-limited. Moomoo says the extra 4.75% APY is available for two months on the first $20,000 of cash sweep deposits, which means the headline 8.1% figure does not apply to the entire balance or for the full life of the account.
What the ACAT transfer bonus offers
The second promotion is designed for customers who already own securities and want to move them in from another broker. Moomoo is offering a 3% transfer bonus, capped at $600 on the first $20,000 transferred, plus the same two-month 8.1% APY feature on eligible sweep cash.
Unlike an immediate cash rebate, the transfer reward is issued as a "Cash Coupon" and paid out in four equal quarterly installments. According to the terms, the first installment unlocks on Day 90 after the settlement date of the qualified transfer-in, followed by payouts on Day 180, Day 270 and Day 360.
That schedule makes the incentive less liquid than a direct cash bonus. In practice, the coupon may need to be activated and tied to a qualifying trade before it can be realized as cash, which adds a step for users who are not already planning to trade. Moomoo’s terms say the transferred assets can include stocks, certain options, ETFs and cash, so the promotion is aimed at a broad set of brokerage customers, not just stock traders.
For a full transfer, the maximum value is straightforward to calculate. A customer who transfers $20,000 would earn $600 over the course of a year if all installment conditions are met, which is why the offer appeals most to investors who expect to keep assets on the platform for the long haul.
What readers should take away
The latest Moomoo update shows how aggressively brokerages are still competing for balances, even as rates and trading incentives shift. The company is not simply offering a cash bonus, but bundling deposit rewards, transfer incentives and short-term sweep yield into a single acquisition campaign.
For readers, the main question is whether the terms fit their behavior. A large cash deposit can unlock a stock reward, but the 180-day hold requirement limits flexibility. An ACAT transfer can produce a 3% bonus, but the payout is spread over a year and the reward may require a trade to convert into cash. In both cases, the headline value is real, but the access rules matter just as much as the advertised percentage.
What to watch next is whether Moomoo extends the promotion, changes the cap or adjusts the hold periods as the August 31, 2026 deadline approaches. Investors comparing brokerage offers will likely keep weighing the same trade-offs: how much is being paid, how long the assets must stay, and how much effort it takes to turn the bonus into usable cash.
