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Brokerage bonuses for funding or transferring an account

Updated August 2026 · 17 live offers · last full review 2026-07-07

A brokerage bonus pays cash or free shares for funding a new account or transferring an existing one in. Payouts scale with the amount you move, from about $10 for a small app account to several thousand dollars on a large transfer. Your money stays invested, so the return stacks on top of market returns.

Brokerage bonuses are the most underrated offers on the site because the money you move usually stays invested the whole time. You are not parking cash at zero percent, you are being paid to hold the same portfolio somewhere else for 90 days.

Offers tracked
17
Biggest payout
$1,000
Top effective APY
4%
No direct deposit
17 offers
Brokerage• Bonus live

Charles Schwab

Brokerage Account
$100 - $1,000
4.0% APY

Open through a Schwab client referral link and net deposit new money: $25,000 for $100, $50,000 for $300, $100,000 for $500, or $500,000 for $1,000. The deposit must be new money to Schwab and must stay for the qualifying period.

Ease 8/10 · roughly 45 days after the deposit clearsNo expiration
Hold balance
Details
Bonus linkGet $100 - $1,000 at Charles Schwab→
Crypto• Bonus live

OKX

Crypto Exchange Signup
$150 free crypto
Match

Create an OKX account through the referral link and complete identity verification. No deposit required for the base reward.

Ease 9/10 · after verificationNo expiration
Bonus / match
Details
Bonus linkGet $150 free crypto at OKX→
Brokerage

SoFi

Active Invest Brokerage
Up to $1,000 in stock
Match

Open a SoFi Active Invest account through an invite link and fund it. SoFi drops a slice of stock whose value is drawn from a published range, with a minimum award for a small deposit and larger awards for larger deposits.

Ease 9/10 · shares appear within a few days of fundingNo expiration
Bonus / match
Details
Public offerGet Up to $1,000 in stock at SoFi→
Return on parked cash

Effective APY on these offers

Bonus divided by the money you must hold, annualized over the hold period.

Start the top APY offers
Charles Schwab$100 - $1,000J.P. MorganUp to $1,000
Buttons without a green fill go to the bank's own public offer, which is the better deal on those rows. See every bonus.
Headline dollars

Biggest payouts here

Raw bonus size, before accounting for the cash you have to move.

Start the biggest payouts
Charles Schwab$100 - $1,000J.P. MorganUp to $1,000MoomooUp to $1,000 in NVDAPublic$20 + 1% matchRobinhoodFree stock + 3% matchWebullUp to $160 + 12 shares
Buttons without a green fill go to the bank's own public offer, which is the better deal on those rows. See every bonus.

Every offer at a glance

OfferBonusRequirementEffective APYChecked
Charles Schwab Brokerage Account$100 - $1,000Open through a Schwab client referral link and net deposit new money: $25,000 for $100, $50,000 for $300, $100,000 for $500, or $500,000 for $1,000. The deposit must be new money to Schwab and must stay for the qualifying period.4.0%2026-08-14
J.P. Morgan Self-Directed InvestingUp to $1,000Fund new money, tiered. Top tier needs ~$250K held 90 days.1.6%2026-07-05
Moomoo Brokerage + Cash SweepUp to $1,000 in NVDATiered NVDA shares by deposit + 8.1% APY sweep on cash.n/a2026-07-05
Public Investing$20 + 1% match$20 per referral · 1% uncapped transfer match.n/a2026-07-05
Robinhood Brokerage / IRAFree stock + 3% matchFree gift stock + 3% IRA transfer match with Gold.n/a2026-07-05
Webull Brokerage / IRAUp to $160 + 12 sharesFirst deposit $1,000+ (paid in installments), or 3% IRA match.n/a2026-07-05
OKX Crypto Exchange Signup$150 free cryptoCreate an OKX account through the referral link and complete identity verification. No deposit required for the base reward.n/a2026-08-16
Lofty Tokenized Real Estate$100 referral rewardOpen a Lofty account through an invite link and complete a first qualifying property purchase.n/a2026-08-14
Tradier Brokerage$99Open and fund a brokerage account.n/a2026-07-05
Crypto.com Crypto AppHighest signup bonusStake CRO tier via referral.n/a2026-07-05
Nexo Crypto AccountSignup bonusSign up + first qualifying deposit.n/a2026-07-05
SoFi Active Invest BrokerageUp to $1,000 in stockOpen a SoFi Active Invest account through an invite link and fund it. SoFi drops a slice of stock whose value is drawn from a published range, with a minimum award for a small deposit and larger awards for larger deposits.n/a2026-08-14
Fundrise Real Estate Investing$25 bonus investmentOpen a Fundrise account through an invite link and make a first investment of at least $10.n/a2026-08-14
Gemini Crypto ExchangeSignup bonusSign up + qualifying trade.n/a2026-07-05
Coinbase Crypto Exchange$10 in BTCBuy or sell $100 in any crypto.n/a2026-07-05
SoFi Crypto AccountBonus crypto on first tradeOpen a SoFi crypto account through an invite link and place a first qualifying trade.n/a2026-08-14
Acorns Investing$5 to startSign up and fund your first round-up.n/a2026-07-05

Questions people ask

What is an ACAT transfer bonus?

It pays you for moving an existing brokerage account, positions and all, to a new broker. Nothing is sold, so there is no tax event, and the receiving broker usually reimburses the outgoing account's transfer fee.

Do I have to sell my investments?

No. A full ACAT transfer moves your holdings in kind. Only cash funding offers require new money, and even then it can sit in a money market fund while it earns the bonus.

Are brokerage bonuses taxable?

Yes. They are normally reported as miscellaneous income on a 1099-MISC, or occasionally as interest. Free stock promotions are taxed on the value at the time you receive the shares.

See every answer in the FAQ

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Keep going

Best lists by situation

Same data, filtered for the constraint you actually have.

By bank

Every offer a brand is running right now.

Learn the system

How the money works, in plain language.

Master bonus wall

Every account, one place

60+ bonus links across banks, brokers, cards, crypto, and cashback apps. Every button hits a cloaked /go/ redirect, so no personal token ever lands in your browser bar.

Banks & Credit Unions

10 offers
Ally Bank
$100 cash
→
Open Ally Spending or Savings with a qualifying deposit. Bonus posts once the balance is verified. No monthly fee, no minimum balance, and 24/7 US-based support.
Read the Ally Bank write-up: steps, timing, effective APY
U.S. Eagle Federal Credit Union
$50 cash each
→
New Mexico credit union with a member-get-member referral. Open a qualifying checking account through the link and finish the activity the welcome email lists, and both sides get paid.
Read the U.S. Eagle Federal Credit Union write-up: steps, timing, effective APY
Oregon State Credit Union
Up to $600 per year in rewards
→
High-yield checking that pays a bonus rate on balances up to $15,000 when you run 12 debit transactions, one direct deposit, and eStatements each month.
Read the Oregon State Credit Union write-up: steps, timing, effective APY
Wings Credit Union
$100 cash
→
Top-rated CU (Bauer 5-star, NCUA-insured). $100 posts after opening a High-Yield Checking account and running the qualifying activity.
Read the Wings Credit Union write-up: steps, timing, effective APY
Wings Credit Union (Visa GC)
$50 virtual Visa card each
→
A virtual $50 Visa gift card once your referred membership is verified. Stackable with the $100 Wings checking bonus above, so the two together are worth $150.
Read the Wings Credit Union (Visa GC) write-up: steps, timing, effective APY
OnPath Federal Credit Union
$100 cash
→
Louisiana CU, nationally referable. $100 posts after a qualifying direct deposit or account activity on new checking.
Read the OnPath Federal Credit Union write-up: steps, timing, effective APY
Associated Bank (Personal)
$300 to $500 cash
→
Midwest bank (WI, IL, MN). Tiered checking bonus that scales with direct deposit size. The Churnables tier tends to pay $100 more than the public offer.
Read the Associated Bank (Personal) write-up: steps, timing, effective APY
Digital Federal Credit Union
$100 cash
→
Nationally-open CU with 6.17% APY on the first $1,000 in Primary Savings. $100 checking bonus for referred members after one direct deposit.
Read the Digital Federal Credit Union write-up: steps, timing, effective APY
Affinity Federal Credit Union
$25 to $100 cash
→
Nationally-open (join via an affiliated org for $5). Soft-pull membership, no ChexSystems friction. Bonus tiers by deposit size.
Read the Affinity Federal Credit Union write-up: steps, timing, effective APY
Amex Rewards Checking
20,000 Membership Rewards points
→
Free checking with debit-card rewards that earn real transferable Amex MR points. Bonus posts after a direct deposit and card activity. No monthly fee, unlimited ATM refunds.
Read the Amex Rewards Checking write-up: steps, timing, effective APY

Brokerage & Investing

9 offers
Moomoo
Up to 16 free stocks (typical value $200+)
→
Tiered deposit bonus: fund $100 for 5 shares, another $2,000 for 10 more, $20,000 for 1 additional bonus share. Idle cash earns ~8% APY in the sweep. Both IRAs and taxable accounts eligible.
Read the Moomoo write-up: steps, timing, effective APY
Moomoo (alt link)
Up to 16 free stocks
→
Alternate Moomoo link. Same tiered deposit bonus, same 8% APY sweep on idle cash. Use whichever page shows the higher current promotion.
Read the Moomoo (alt link) write-up: steps, timing, effective APY
Webull
Up to 75 free fractional shares
→
Open a new brokerage and fund at least $500. Shares are drawn from a pool that includes AAPL, TSLA, and other US large caps. Random per-share value, cumulative haul often $50 to $300.
Read the Webull write-up: steps, timing, effective APY
Webull (12-share offer)
12 free shares (up to $3,000 total value)
→
Alternate Webull link. Deposit $100+ for 6 shares, $2,000+ for 6 additional. Each share can be worth up to $250.
Read the Webull (12-share offer) write-up: steps, timing, effective APY
Robinhood
1 free stock + 3% IRA transfer match
→
Free gift stock at account open (typically worth $5 to $200). With Robinhood Gold ($5/mo), get a 3% match on IRA transfers and 4% APY on idle cash.
Read the Robinhood write-up: steps, timing, effective APY
APEX Fintech
Waitlist priority
→
The clearing firm behind many popular neobrokers. This link grants earlier access to the direct-to-consumer waitlist.
Read the APEX Fintech write-up: steps, timing, effective APY
Acorns
$5 signup credit
→
Round-up investing app ($3 to $12 per month). $5 posts to your first Invest account after linking a funding source.
Read the Acorns write-up: steps, timing, effective APY
Spruce by H&R Block
$50 cash bonus
→
Mobile-first spending + savings account from H&R Block. $50 posts after a $200+ qualifying direct deposit within 45 days. No monthly fee, no overdraft fees, early paycheck access.
Read the Spruce by H&R Block write-up: steps, timing, effective APY
Spruce (alt link)
$50 cash bonus
→
Alternate Spruce link. Same $50 bonus after a qualifying direct deposit. Use if the primary link expires.
Read the Spruce (alt link) write-up: steps, timing, effective APY

Credit Cards

23 offers
Chase Sapphire 100K (Preferred or Reserve)
100,000 Chase Ultimate Rewards points
→
New offer page giving 100,000 Chase Ultimate Rewards points on either the Sapphire Preferred or Sapphire Reserve. Transfer 1:1 to World of Hyatt, United MileagePlus, Southwest Rapid Rewards, Air Canada Aeroplan, Air France/KLM Flying Blue, British Airways Avios, and 8 more partners. Worth roughly $2,000 in travel at 2.0 cpp. Preferred has a $95 annual fee; Reserve has a $795 annual fee, $300 travel credit, and Priority Pass lounge access. 5/24 rule applies.
Read the Chase Sapphire 100K (Preferred or Reserve) write-up: steps, timing, effective APY
Chase Sapphire Reserve
100,000 Chase Ultimate Rewards points
→
Ultimate Rewards transfer 1:1 to World of Hyatt, United MileagePlus, Southwest Rapid Rewards, Air Canada Aeroplan, Air France/KLM Flying Blue, British Airways Avios, and 8 more partners. Worth roughly $2,000 in travel at 2.0 cpp. $795 annual fee, $300 annual travel credit, Priority Pass lounge access. 5/24 rule applies.
Read the Chase Sapphire Reserve write-up: steps, timing, effective APY
Chase Sapphire Preferred
60,000 Chase Ultimate Rewards points
→
The best entry point into Ultimate Rewards. 60K posts after $5,000 spend in 3 months. Transfer 1:1 to Hyatt (a category-4 Hyatt runs 15K points a night), United, Southwest, Aeroplan, and Flying Blue. Worth roughly $1,200 in travel. $95 annual fee. 5/24 rule applies.
Read the Chase Sapphire Preferred write-up: steps, timing, effective APY
Chase Freedom Unlimited
$200 cashback + 5% on groceries first year
→
Earns Chase Ultimate Rewards points (worth 1 cent as cashback, up to 2 cents when paired with a Sapphire or Ink card and transferred to a travel partner). 1.5% flat everywhere, 3% dining and drugstores, 5% travel through Chase. No annual fee, 5/24 rule applies.
Read the Chase Freedom Unlimited write-up: steps, timing, effective APY
Chase Freedom Unlimited / Flex (alt link 1)
$200 cashback + 5% bonus categories
→
Alternate Chase link for the Freedom family. Choose the Unlimited for 1.5% flat everywhere and 5% on groceries in year one, or the Flex for quarterly 5% rotating categories. No annual fee, 5/24 rule applies.
Read the Chase Freedom Unlimited / Flex (alt link 1) write-up: steps, timing, effective APY
Chase Freedom Unlimited / Flex (alt link 2)
$200 cashback + 5% bonus categories
→
Another alternate Chase link for the Freedom family. Same offer: choose Unlimited or Flex, earn $200 after $500 spend in 3 months, plus the card's ongoing 5% categories. No annual fee, 5/24 rule applies.
Read the Chase Freedom Unlimited / Flex (alt link 2) write-up: steps, timing, effective APY
Chase Freedom Unlimited / Flex (alt link 3)
$200 cashback + 5% bonus categories
→
Third alternate Chase link for the Freedom family. Apply through whichever link shows the best bonus today. No annual fee, 5/24 rule applies.
Read the Chase Freedom Unlimited / Flex (alt link 3) write-up: steps, timing, effective APY
Chase Freedom Unlimited / Flex (alt link 4)
$200 cashback + 5% bonus categories
→
Fourth alternate Chase link for the Freedom family. Keep this as a backup in case another link targets a higher-tier offer or different card. No annual fee, 5/24 rule applies.
Read the Chase Freedom Unlimited / Flex (alt link 4) write-up: steps, timing, effective APY
Chase Freedom Flex
$200 cashback + rotating 5% categories
→
5% on quarterly bonus categories (up to $1,500 spend per quarter), 5% travel through Chase, 3% dining and drugstores. Points combine with a Sapphire for full 1:1 partner transfers. No annual fee, 5/24 rule applies.
Read the Chase Freedom Flex write-up: steps, timing, effective APY
Chase United Explorer
60,000 United MileagePlus miles
→
United co-brand. Free first checked bag on United, 2 United Club passes per year, 25% back on inflight purchases. Miles book on United, Air Canada, ANA, Lufthansa, and 20+ Star Alliance carriers. $0 first year, then $150. Each approval also pays Churnables 10,000 miles, up to 100,000 a year.
Read the Chase United Explorer write-up: steps, timing, effective APY
Chase United MileagePlus (alt link 1)
60,000+ United MileagePlus miles
→
Alternate United MileagePlus link. Choose any United card that fits your wallet; offer may include the Explorer with 60,000 miles and the same free-bag and United Club pass benefits. $0 first year, then $150 on the Explorer.
Read the Chase United MileagePlus (alt link 1) write-up: steps, timing, effective APY
Chase United MileagePlus (alt link 2)
60,000+ United MileagePlus miles
→
Another alternate United MileagePlus link. Compare this against the main Explorer link; these offer pages sometimes show different card variants or elevated mile bonuses. $0 first year, then $150 on the Explorer.
Read the Chase United MileagePlus (alt link 2) write-up: steps, timing, effective APY
Chase United MileagePlus (alt link 3)
60,000+ United MileagePlus miles
→
Third alternate United link. Free first checked bag on United, 2 United Club passes per year, 25% back on inflight purchases. $0 first year, then $150 on the Explorer.
Read the Chase United MileagePlus (alt link 3) write-up: steps, timing, effective APY
Amex Gold / Platinum (Personal)
80,000 to 175,000 Membership Rewards points
→
Amex MR transfers 1:1 to Delta SkyMiles, Air Canada Aeroplan, ANA Mileage Club, British Airways Avios, Virgin Atlantic, Air France/KLM Flying Blue, and 15+ more. Worth 1.5 to 2.0 cents each in travel. Gold: $325 fee, $120 dining + $120 Uber credits. Platinum: $895 fee, $200 airline + $200 hotel + $200 Uber + $240 digital ent + $200 Saks credits.
Read the Amex Gold / Platinum (Personal) write-up: steps, timing, effective APY
Delta SkyMiles Gold Amex
40,000 to 75,000 Delta SkyMiles
→
Delta co-brand. Free first checked bag on Delta (up to 9 people on your booking, saves $70 round trip), 20% back on inflight purchases, 2x miles at restaurants, US supermarkets, and on Delta. $0 first year, then $150. Miles redeem for Delta flights and SkyTeam partners (Air France, KLM, Korean Air, Virgin Atlantic).
Read the Delta SkyMiles Gold Amex write-up: steps, timing, effective APY
Delta SkyMiles Gold (alt link)
40,000 to 75,000 Delta SkyMiles
→
Alternate link for the Delta Gold Amex. Same 2x categories, free first checked bag, and $200 Delta flight credit after $10K annual spend. Use whichever link Amex shows the higher offer on today.
Read the Delta SkyMiles Gold (alt link) write-up: steps, timing, effective APY
Amex Blue Cash Everyday
$200 statement credit
→
No annual fee cashback card. 3% at US supermarkets (up to $6K/yr), 3% on US online retail, 3% at US gas stations, 1% everywhere else. $200 posts after $2,000 spend in 6 months. Solid keeper card for groceries and gas.
Read the Amex Blue Cash Everyday write-up: steps, timing, effective APY
Marriott Bonvoy Business Amex
3 Free Night Awards (up to 150K points value)
→
Marriott business co-brand. Earn 3 Free Night Awards (each up to 50K Bonvoy points, stackable at properties like Ritz-Carlton, St. Regis, W Hotels) after $6K spend in 6 months. Automatic Gold Elite status, 15 elite night credits per year. $125 annual fee.
Read the Marriott Bonvoy Business Amex write-up: steps, timing, effective APY
Browse All Amex Cards
Elevated welcome offer on any Amex
→
Full Amex card lineup on one page: Gold, Platinum, Delta, Marriott, Hilton, Business Gold, Blue Business Cash, and more. Use this when comparing multiple Amex products or when Amex is running a limited-time elevated offer.
Read the Browse All Amex Cards write-up: steps, timing, effective APY
Capital One Quicksilver
$200 cashback
→
Flat 1.5% cashback everywhere, no annual fee, no foreign transaction fee. $200 posts after $500 spend in 3 months. Pairs well with Venture X (Capital One Miles transfer to 15+ airline partners) if you upgrade later.
Read the Capital One Quicksilver write-up: steps, timing, effective APY
Discover it Cash Back
Cashback Match (unlimited, first year)
→
5% on rotating quarterly categories (up to $1,500 spend), 1% everywhere else. Discover doubles every dollar of cashback you earn in year one with no cap. A typical churner walks away with $300 to $600 in year-one cashback.
Read the Discover it Cash Back write-up: steps, timing, effective APY
Discover it (alt link)
Cashback Match (unlimited, first year)
→
Alternate Discover it link. Same first-year Cashback Match, same 5% rotating categories. Use whichever link Discover shows the higher offer on today.
Read the Discover it (alt link) write-up: steps, timing, effective APY
Prime Visa
$150 Amazon gift card on approval
→
Requires Prime membership. 5% at Amazon and Whole Foods, 2% at gas / restaurants / transit, 1% everywhere else. No annual fee (Prime cost aside), no foreign transaction fee. Gift card credits instantly.
Read the Prime Visa write-up: steps, timing, effective APY

Crypto

5 offers
OKX
$150 free crypto
→
Sign up through the link, complete identity verification, and OKX deposits up to $150 in free crypto into your account. No deposit required to start - the biggest no-capital crypto bonus on the board.
Read the OKX write-up: steps, timing, effective APY
Coinbase
$10 in Bitcoin
→
Buy or sell $100 of crypto within 180 days of signup, receive $10 in BTC. Fully regulated US exchange (Nasdaq-listed COIN) with insured USD balances.
Read the Coinbase write-up: steps, timing, effective APY
Gemini
$15 in Bitcoin
→
Trade $100 of crypto within 30 days, receive $15 of BTC. NYDFS-regulated, SOC 2 audited, insured custody. ActiveTrader fees are among the lowest in the industry.
Read the Gemini write-up: steps, timing, effective APY
Nexo
$25 in Bitcoin
→
Crypto interest and lending platform. $25 BTC after depositing $100 and holding 30 days. Interest paid daily, withdrawn any time.
Read the Nexo write-up: steps, timing, effective APY
Crypto.com
$25 in CRO after card activation
→
Metal Visa debit card with up to 5% cashback (paid in CRO) on eligible spend based on your stake tier. Bonus posts after a $200+ stake and card purchase.
Read the Crypto.com write-up: steps, timing, effective APY

Cashback & Money Apps

9 offers
Capital One Shopping
$10 gift-card credit
→
Free browser extension (no Capital One account required). Auto-applies coupon codes at checkout and price-compares Amazon third-party sellers. Signup credit posts after your first qualifying purchase.
Read the Capital One Shopping write-up: steps, timing, effective APY
Upside
Extra $0.15 per gallon on first fill-up + ongoing cashback
→
Cashback on gas, groceries, and restaurants. Typically 10 to 30 cents per gallon on top of the pump price. Use promo code JS699 at signup. Cash out to bank, PayPal, or Amazon.
Read the Upside write-up: steps, timing, effective APY
Swagbucks
$10 bonus after $25 earned
→
Earn SB points for surveys, shopping portals, and offers. 100 SB equals $1. Cash out to PayPal or one of 500+ gift cards.
Read the Swagbucks write-up: steps, timing, effective APY
Gopuff
$10 off first two orders
→
Instant delivery of groceries, snacks, and essentials in most US metros. $10 credit on each of your first two orders when you use the code.
Read the Gopuff write-up: steps, timing, effective APY
PFS Buyers Club
Discount travel and tech perks
→
Membership marketplace with below-retail deals on cruises, resort stays, phones, and appliances through bulk buying power.
Read the PFS Buyers Club write-up: steps, timing, effective APY
Wise
Zero fees on a transfer up to $500
→
Mid-market FX rates, typically 5 to 10x cheaper than a bank wire, plus zero fees on your first transfer up to $500. Refer three friends and Wise pays out $50. Multi-currency account with local bank details in 10+ countries.
Read the Wise write-up: steps, timing, effective APY
PayPal
$10 for you after sending $5
→
Send $5 or more to a friend or business within 30 days of signup and receive $10 in your PayPal balance. Cash out to any linked bank. We earn $100 once a referred friend spends $5.
Read the PayPal write-up: steps, timing, effective APY
MoneyLion
Signup bonus on a qualifying direct deposit
→
All-in-one money app: fee-free RoarMoney checking, up to two-day early direct deposit, 0% APR Instacash advances, and automated investing. Start from the link so the bonus code is applied for you, then complete signup in the same session.
Code$GladShaun228Read the MoneyLion write-up: steps, timing, effective APY
Shopback
$30 signup bonus
→
Cashback portal and app covering thousands of US retailers. New users get a signup bonus after a first qualifying purchase, and the app auto-stacks cashback on top of credit card rewards and store coupons.
Read the Shopback write-up: steps, timing, effective APY