Preferential terms change often, so always check the current rules on Moomoo’s site. Most people don’t miss these promotions because they’re complicated, they miss them because they misread the rules. This covers how to open a Moomoo US account correctly, how to qualify for each reward step, what you can realistically earn, and how not to lose the bonus after you’ve qualified. If you’re still deciding whether the platform is worth it, the trading review and the tools walkthrough cover that.
The structure
Moomoo’s US promotions run on a “deposit + action + holding” model.
| Stage | What you do | What you get |
|---|---|---|
| Sign-up | Register and verify identity | Small entry bonus |
| Initial deposit | Fund the account into a tier | Main reward |
| First trade | Execute one trade | Activation bonus |
| Holding period | Keep the funds for the required days | Final reward release |
Opening the account
- Register with email or phone, and enter the referral code, it’s what makes you eligible for the bonus.
- Complete KYC: government ID, basic personal details, and SSN for US users. Approval usually takes one to two business days.
- Link a bank account. ACH is the common route; wire is faster but may carry a fee.
- Deposit funds. This step sets your reward tier, so it’s the one that matters.
Deposit tiers
Around 80% of the reward comes from the deposit tier, not from trading. A rough 2026 shape, in USD:
| Deposit | Typical reward | Form |
|---|---|---|
| $100–$500 | $5–$50 | Free stock or small cash |
| $1,000–$5,000 | $50–$200 | Stock bundle + cash |
| $5,000–$20,000 | $150–$500 | Higher-value rewards |
| $20,000+ | $300–$1,000+ | Maximum tier |
Free stock vs. cash
Most people search for “moomoo free stock,” but not all rewards are equal. Free stocks are drawn from a range and can land low or high. Cash bonuses are predictable and worth the most. Trading credits and options rewards have limited use. If you get to choose, take cash.
The trade and the holding period
You usually need at least one trade, sometimes above a minimum value. It’s an easy step, and skipping it means no bonus release. Then you have to maintain the funds, above the required threshold, for a fixed period, typically around 30 to 60 days. Withdraw early and you lose the rewards. Most people qualify and then lose the payout by pulling money out too soon.
The realistic number
Total rewards typically run $100 to $1,000+, and reaching the top of that range takes a large deposit, all steps completed, and the full holding period maintained. Decide your deposit amount based on what you actually want to invest, complete the trade, wait out the holding window, and don’t chase a higher tier with money you didn’t plan to commit.
Financial disclaimer: The content on StockVane is for educational and informational purposes only and should not be construed as professional financial advice. Investing carries risk of loss.