Moomoo ACATS transfer bonus: 3% up to $600, explained

Updated October 17, 2026 · Offer data last verified 2026-10-17 · Not financial or tax advice.

Moomoo pays new customers a 3% match on their first ACATS (or FOP) transfer, capped at the first $20,000 moved. That works out to a maximum of $600. Our data shows the transfer has to settle by December 31, 2026. The headline is simple, but the payout isn't: the match comes as a "cash coupon" that unlocks in four pieces over about a year, and only if the assets stay put. Here's exactly how it works, based on Moomoo's official terms and our Moomoo ACATS offer page.

How much you get: 3% of the first $20,000

The match is a flat percentage, not a stepped tier, so every dollar up to the cap earns the same rate. The terms say the value is set at settlement, not when you start the transfer, and the coupon is truncated to two decimal places. Example amounts:

First transfer value	Total match	Each installment	Note
$5,000	$150	$38	Fully matched
$10,000	$300	$75	Fully matched
$20,000	$600	$150	Fully matched
$40,000	$600	$150	Only the first $20,000 is matched

Illustrative amounts calculated from the 3% rate and $20,000 cap in our data. At the cap, our annualized figure is 3.04% over a 360-day hold. Source: official terms ↗ · last verified 2026-10-17.

The payout schedule

The match is issued as a cash coupon soon after the first transfer settles. The terms say it's credited within five business days. It then unlocks in four equal quarterly installments, counted from the settlement date:

Payment	Unlocks	Share	At max ($600)
Installment 1	Day 90	25%	$150
Installment 2	Day 180	25%	$150
Installment 3	Day 270	25%	$150
Installment 4	Day 360	25%	$150

Two details matter. First, the cash coupon is a credit toward eligible equity purchases that you redeem in the Moomoo app, not a plain cash deposit. Second, the terms say coupons are valid for six months after they unlock, and that coupons left unclaimed for more than 180 days won't be reissued. Check the "My Rewards" list after each unlock date.

Eligibility

New to funding at Moomoo. The transfer bonus is for Moomoo Financial customers who hadn't made a deposit, ACATS or FOP transfer before the promotion started. Customers who have already funded an account don't qualify.
US residents, 18+, with a valid SSN. One reward per new account and one account per person. The terms also allow only one set of deposit bonuses per device.
First transfer only. Only your first qualifying transfer is matched, so move everything you want counted (up to $20,000) in that one transfer.
Eligible assets: US-listed stocks, ADRs, listed ETFs (the terms set a minimum market value and share price for ETFs), cash, and options that don't expire within 7 days. Bonds, mutual funds, and pink-sheet or other OTC stocks can't be transferred in.

Hold period and what counts as a clawback

To unlock each installment, the transferred assets have to stay in the account through day 90, 180, 270 and 360. You can trade the transferred positions during that time, but a withdrawal makes the unlock fail. If you transfer more than $20,000, only the first $20,000 has to stay. Because the money comes in installments, leaving early doesn't reverse money you've already unlocked. It cancels the installments that haven't unlocked yet. The terms also say the reward is revoked if the transfer fails or doesn't settle within the promotion window. For how this compares with other payout structures, see holding periods and clawbacks.

Transfer fees and timing

Moomoo says it doesn't charge a fee to receive an incoming transfer, but your current broker may charge an outgoing ACATS fee. Moomoo's own transfer guide puts that fee at typically $75 to $100. On a $20,000 transfer, that cuts the $600 match noticeably, so factor it in. ACATS transfers usually take about a week, so leave time before the December 31, 2026 settlement deadline. Our ACATS transfer guide covers the mechanics.

Stacking with Moomoo's deposit bonus

Moomoo's FAQ says an account can receive one deposit bonus and one transfer-in bonus. The separate cash-deposit offer is tracked on our Moomoo cash deposit page. Note that it counts only ACH or wire deposits, not ACATS. Our data shows its deadline as October 31, 2026. Each offer has its own terms and holds, so read both before you plan around getting the two.

Is it worth it?

For a portfolio of $20,000 or less, a 3% match is generous by brokerage standards. Moving a portfolio in-kind doesn't require selling, so your investments keep doing what they were doing. The trade-offs are the year-long, staged unlock and the fact that the payout is a credit for purchases in the app. If you're moving much more than $20,000, the extra money earns nothing here. Look at the best brokerage bonuses this month or these short-hold alternatives:

Offer	Max bonus	Min deposit	Hold	Best yield	Source
Moomoo	$1,000	$500	180d	36.50%	official terms ↗
CIT Bank / First Citizens Self-Directed Investing	$750	$1,000	60d	15.21%	official terms ↗
E*TRADE	$10,000	$1,000	365d	5.00%	official terms ↗
J.P. Morgan Self-Directed Investing	$1,000	$5,000	90d	4.06%	official terms ↗

Taxes

Moomoo's terms note that cash rewards may be taxable. A bonus received in a taxable account is generally income in the year it's received, and with installments that can mean more than one tax year. See are brokerage bonuses taxable?

General information only. This isn't financial or tax advice. Offers change or end without notice, and the official terms always govern. Confirm everything on the provider's page before you act. See our disclaimer.

Official terms last read by hand on 2026-10-17. Match rate, cap, deadline and hold come from our offer database (last verified 2026-10-17).

FAQ

How much is the Moomoo ACATS transfer bonus?

3% of your first qualifying ACATS or FOP transfer, on up to $20,000 transferred, for a maximum of $600.

When is the Moomoo transfer bonus paid?

It's issued as a cash coupon that unlocks in four equal installments on day 90, 180, 270 and 360 after the transfer settles, as long as the transferred assets stay in the account.

Can I sell or trade the stocks I transfer to Moomoo?

Yes. The terms let you trade transferred assets during the unlocking period. Withdrawing funds makes the unlock fail. If you transferred more than the cap, only the capped amount needs to stay.

Who is eligible for the Moomoo ACATS bonus?

US residents 18+ with a valid SSN who hadn't made a deposit, ACATS or FOP transfer at Moomoo Financial before the promotion started. Only the first transfer counts.

Can I get both the Moomoo deposit bonus and transfer bonus?

Moomoo's FAQ says each account can receive one deposit bonus and one transfer-in bonus, as long as you meet each one's requirements.

Is the Moomoo cash coupon real cash?

It's a credit toward eligible equity purchases, redeemed in the Moomoo app. The terms say coupons are valid for six months after they unlock.