New U.S. Moomoo customers can earn 8.1% APY on up to $20,000 of uninvested cash for the first 60 days, combining the 3.35% base Cash Sweep rate with a one-time 4.75% booster coupon.
Researched and rated by the BrokerBonuses editorial team · Last verified 2026-06-04 · How we rate
The catch
No deposit lock-up and no clawback exist: swept cash can be withdrawn or invested at any time, so there is no real hold requirement (the structured holdRequirement of 60 days on a $20,000 deposit is misleading). The booster 4.75% APY applies only to the first $20,000 of uninvested cash and only for 60 days after you manually activate the coupon in the moomoo app; miss the activation and you earn nothing extra.
How to claim
- Open a new Moomoo (MFI) U.S. brokerage account as a customer who had not opened an account before January 1, 2026.
- Enroll in the Cash Sweep Program so uninvested cash earns interest (base rate 3.35% APY as of December 10, 2025).
- Open the moomoo app and manually activate the 4.75% APY Booster Coupon (it can only be activated in the app).
- Keep uninvested cash in the Cash Sweep program; the booster rate applies to the first $20,000 for 2 months (60 days) from activation, lifting the effective rate to 8.1% APY.
Moomoo's Cash Sweep APY Bonus pays 8.1% APY on uninvested cash held in the Cash Sweep program at Moomoo Financial Inc. The headline rate combines the standard 3.35% base APY (as of December 10, 2025, and variable) with a one-time 4.75% APY Booster Coupon. The booster must be activated manually inside the moomoo app and runs for 2 months (60 days) from activation. The catch is in the limits. The 4.75% booster only applies to the first $20,000 of uninvested cash, so balances above that earn the lower base rate. The boost also lasts just 60 days, after which the rate drops back to 3.35%, which itself can change at the partner banks' or Moomoo's discretion. You must enroll in the Cash Sweep Program to earn any interest, and the coupon expires automatically if you do not activate it in time. Interest accrues daily and is paid monthly, and cash stays fully withdrawable. Eligibility is limited to new MFI customers who had not opened a brokerage account before January 1, 2026, and who are U.S. residents at least 18 years old with a valid Social Security Number. The promotion period runs from January 1, 2026 through August 31, 2026. A separate free-stock offer (up to $1,000 in NVDA after a qualifying deposit) is part of the same welcome package but is governed by its own deposit-and-hold rules.
Pros
- +High 8.1% effective APY on idle cash, well above typical brokerage sweep rates
- +No minimum deposit required to earn the APY booster
- +Cash stays fully liquid: withdraw or invest at any time, interest paid monthly
- +Swept cash is eligible for FDIC insurance up to $2 million at program banks
Cons
- −Booster rate applies only to the first $20,000 of uninvested cash
- −Boost lasts just 60 days, then reverts to the variable 3.35% base rate
- −Booster coupon must be activated manually in the moomoo app or it expires
- −Limited to new U.S. customers (SSN, 18+) who had no account before January 1, 2026
- −Despite the $20,000 figure in the headline/maxAmount, the actual promo-specific value is only about $156 gross (booster portion) and roughly $266 gross total interest over 60 days on a full balance; $20,000 is a balance cap, not a payout
Up to 8.1% APY with Moomoo
Now you know the terms. Claim it on the broker's own site.
Sources & verification
We research every bonus from the broker's official pages and re-check it on a 60-day schedule.
Confirmed against official sources: title, type, status, Bonus amount, Account type, Withdrawal terms, Hold requirement, Time limit, Minimum deposit, Eligible countries.
Broker regulation: SEC (license 8-69739), FINRA (license CRD 283078), SIPC (license Member), ASIC (license AFSL 224663), FinCEN (license MSB 31000288349013).
- Bonus terms and conditions: moomoo.com ↗
- Moomoo official site: moomoo.com ↗
Last verified 2026-06-04. Next review within 60 days.