About This Promotion

Moomoo Financial Inc. (MFI) is offering a limited-time “returning deposit” promotion for eligible existing customers. Participants can earn up to $200 in cash rewards, which will be credited to their MFI brokerage accounts within 5 trading days after the promotion ends. Note that this offer is only available to users who received an email or an in-app notification. You only need to keep the deposit for 60 days, so it’s a pretty solid deal.

Core Requirements to Earn the Reward

1. Eligibility

  • MFI customers age 18 or older;
  • U.S. residents with a valid SSN;
  • Must have completed and settled at least one deposit or a first qualifying ACATS transfer before 23:59 ET on December 31, 2025;

You must make another deposit during the promotion period, be an invited participant, and hold a valid active MFI brokerage account (closed accounts are not eligible, and each customer may receive the reward only once).

The net deposit tiers and bonus amounts are shown below

Net deposit = total deposits during the promotion period - total withdrawals

Unlock requirements (using the $500 tier as an example)

  • Deposit $500 during the promotion period, and maintain average daily assets (stocks + cash + others) of at least $500 over 60 days:
  • Maintain for 30 days → unlock $2
  • Maintain for 60 days → unlock another $3

For the higher tiers, the unlock amounts are $5/$25, $30/$70, and $100/$100. The key is that your average daily net deposit must stay above the required threshold for the full 60 days. You could buy something like SGOV or other short-term Treasuries, which generally have very little NAV movement and still yield around 3% annually.

When Rewards Are Paid

  • The reward will be credited to your MFI brokerage account within 5 trading days after the promotion ends.
  • After the cash reward is credited, it is subject to a 30- or 60-day holding period (no transfers out or withdrawals) before it can be used.
  • Reward validity: 6 months from the date it is issued.

Important Reminders

  • If you make withdrawals during the promotion period, your net deposit or average daily assets may fall below the requirement, preventing you from unlocking the reward.
  • The reward can only be used to buy U.S./Hong Kong stocks, ETFs, REITs, and similar products (excluding leveraged and inverse products), and cannot be withdrawn as cash.
  • If rewards are obtained through improper means such as system loopholes or false information, MFI reserves the right to revoke them.

For details, please log in to the Moomoo App and check the “My Rewards” list, or visit the MFI website.

About Moomoo

Lastly, a quick word about Moomoo. It is Futu’s investing app platform in the U.S., and the brokerage entity is Futu inc, which is already listed on Nasdaq (ticker: FUTU). It is a legitimate U.S.-licensed broker-dealer and a member of SPIC and FINRA. Based on my own experience, the platform is quite good overall, with many professional-grade features and a user-friendly interface. The Chinese-language experience also feels more approachable for Chinese users. Moomoo offers extra account-opening rewards for this site’s readers. Right now, new users can receive up to $1000 in Nvidia stock, and idle cash can also earn up to 8.1%.