Five days before the 60-day clock runs out is still 60 days early, as far as Moomoo Canada’s promotion terms are concerned. Pull money out on day 55 and the reward you qualified for at every earlier step disappears with it. That is the single detail buried under the marketing copy, and it is the one that decides whether the CAD $400 you thought you earned actually shows up.
I want to walk through what this promotion is, tier by tier. Then I want to spend more time than most guides do on the two conditions that quietly cancel it after you have already qualified.
The structure underneath the offer
Moomoo Canada runs a tiered, task-based system. Rewards scale with how much you deposit, part of the reward needs an action, usually one trade, and the full amount requires holding the balance for a set stretch of time. Four checkpoints, in this order: open the account and clear identity verification for a small entry reward, fund it into a tier for the main reward, place at least one trade for an activation bonus, and hold the balance for the required days to release everything.
Offers rotate, and the specific dollar figures below reflect the typical 2026 pattern rather than a permanent schedule. Confirm the live terms before you transfer anything, because tiers shift between promotional windows without much notice. For the equivalent structure south of the border, the Moomoo US promotion guide runs on nearly identical mechanics with different dollar figures.
Who actually qualifies
Eligibility is narrower than most people assume. You need to be a first-time Moomoo Canada user, complete identity verification, and register inside the promotion window while it is live. Existing users do not qualify no matter how much they deposit, and registering after the window closes forfeits eligibility even if every other step would have been completed correctly. This trips up more people than the deposit tiers do, because it is easy to assume a past account with the same broker, even one long dormant, still counts as new.
What each deposit tier is actually worth
Your reward depends mainly on the size of the deposit, and the 2026 structure runs in four bands. A deposit of $100 to $500 typically earns $5 to $30, paid as a stock voucher or small cash. Move to $1,000 to $5,000 and the reward becomes $30 to $150, usually a mix of cash and stock. Push into the $5,000 to $20,000 range and the reward rises to $100 to $250. Cross $20,000 and you reach the maximum tier, $200 to $400 or more.
| Deposit (CAD) | Typical reward | Form |
|---|---|---|
| $100 – $500 | $5 – $30 | Stock voucher or small cash |
| $1,000 – $5,000 | $30 – $150 | Cash + stock bundle |
| $5,000 – $20,000 | $100 – $250 | Higher-tier rewards |
| $20,000+ | $200 – $400+ | Maximum tier |
Notice how the reward-to-deposit ratio actually falls as the deposit grows. At the bottom tier, $500 can return up to 6% of the deposit in reward value. At the top tier, $20,000 returns roughly 1% to 2%. The promotion is most generous, proportionally, to the smallest accounts, which is worth knowing before anyone assumes a larger deposit automatically produces a better return on the bonus alone.
One rule sits underneath all four tiers: deposit your target amount in a single transfer. Adding smaller amounts afterward usually will not upgrade you into a higher tier, even if the running total crosses the threshold eventually. The system appears to check the size of one funding event, not a balance that accumulates over several deposits.
The trade and the holding period, where the reward actually gets lost
Most campaigns require at least one buy or sell, sometimes above a minimum value, and that step confirms you are an active user rather than someone who opened an account purely for the bonus. Skipping it means part of the reward never releases.
Then comes the condition people fail on. After the deposit and the trade, the funds have to stay in the account, above the required minimum, for a fixed period that is often 30 to 60 days. Withdraw early, for any reason, and the rewards are gone. I would call this the actual test of the promotion, not the deposit size. Most people who reach this stage have already done the hard part. They simply need a car repair or some other unrelated reason to move money before the window closes, and the bonus is forfeited on a technicality that has nothing to do with their investing decisions.
Cash, stock, credits and coupons are not the same reward
Campaigns typically mix four forms of payout. Cash is the most valuable and the most predictable, since what is advertised is close to what lands in the account. Free stock varies in value, drawn from a range that can land low or high. Trading credits and fee rebates carry limited use outside active trading. Coupons come with the most conditions attached and the least practical value. Where a campaign gives any choice, weighting toward cash is the more reliable outcome.
A fair objection here is that even a low-value free-stock reward still beats no reward at all, and that is true on its face. It stops being a clean win once the time and account friction of clearing KYC, funding a tier, and holding for two months are counted as a real cost, which they are for anyone whose alternative was simply not opening a new brokerage account at all.
Putting a number on the realistic outcome
Depending on deposit size, most people who complete every step correctly land somewhere between $50 and $400 or more in equivalent value. The width of that range is the entire story. Deposit size sets the ceiling. The holding period decides whether the ceiling is reached. The trade is a formality that unlocks the door but does not, by itself, determine the size of what is behind it. This is the same judgment I made in the trading review written after real use: the platform itself has to earn the account first, and the promotion is only ever the tie-breaker on top of that decision.
What the fine print does not say out loud
None of the promotion terms I have seen spell out what happens if the market moves against you during the holding period. That gap matters more than it looks. The reward is fixed in dollar terms, but the deposit itself stays fully exposed to the market the entire time it needs to sit still. Fund the account at the top of a run and hold through a 15% drawdown, and the paper loss on the deposit can run well past whatever the promotion pays out. The bonus was never insurance against that outcome, and nothing in the marketing copy suggests otherwise, but it is easy to conflate “guaranteed reward” with “guaranteed outcome” when the two get advertised side by side.
There is also a quieter cost in opportunity. Every dollar parked to satisfy a 30-to-60-day hold is a dollar that cannot be moved even if a better opportunity, or a genuine emergency, shows up in week three. For someone with only one pool of investable cash, locking it against a bonus that tops out around 1% to 2% of the deposit at the largest tier is a real trade-off, not a free add-on. It only becomes a clean win when the deposit was money you were putting into the market regardless of the promotion, and the bonus is simply extra on top of a decision you had already made.
I would draw a hard line here: never move money into a higher tier that you would not otherwise have deposited on its own merits. The math rarely works in the depositor’s favor once it is done honestly. An extra $15,000 parked to jump from the third tier to the fourth buys, at most, roughly $150 more in reward, a little over 1% of the additional capital, for two months of full market exposure on money that was not going to be invested there anyway.
Deciding the deposit before the promotion decides it
Set a deposit budget based on what you were already prepared to invest, not on the reward tier you want to reach. Stretching an extra several thousand dollars just to cross into a higher band puts that additional capital at market risk for the entire holding period, in exchange for a reward that, at the top tier, runs closer to 1% than 4%. If you are still comparing the platform itself rather than the promotion around it, the comparison against IBKR is the more useful read.
The date to circle, not the app to open
Whatever tier you land in, write down the exact day the holding period ends, and treat that date as the one thing you cannot move around your other finances. Set a calendar reminder for a week before that date, not the day of, so a slow bank transfer or a weekend processing delay does not quietly push a withdrawal past the deadline by accident. The deposit determines the ceiling. The calendar determines whether you ever see it, and the margin for error on that calendar is smaller than most people assume until they have already missed it once.
Financial disclaimer: The content on StockVane is for educational and informational purposes only and should not be construed as professional financial advice. Stock market investing involves risk of loss.
Sources: How to read a company's 10-K (SEC Investor.gov) (https://www.investor.gov/introduction-investing/investing-basics/glossary/10-k) · Price-to-earnings ratio (SEC Investor.gov glossary) (https://www.investor.gov/introduction-investing/investing-basics/glossary/price-earnings-pe-ratio)