Up to $160 + 12 shares
97.3% APY
640/hr for your time
First deposit $1,000+ (paid in installments), or 3% IRA match.
Ease 7/10 · installmentsAug 15, 2026
Bonus / matchDetails
97.3% effective APY
$1,000 committed, about 60 days
Brokerage bonuses for funding or transferring an account
Updated September 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.
Best right now
Links checked 2026-09-18The three strongest live offers on this page, checked against the real signup link before they were ranked.
- AlbertUp to $200 in free stock
Albert hands new members up to $200 of free fractional shares in well known American companies such as Nvidia, Alphabet (Google), Amazon and Apple after you open the account and fund it. The stock is yours to hold or sell, and the app also does auto-savings and fee-free cash advances.
Get this bonus - 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.
Get this bonus - APEX FintechWaitlist priority
The clearing firm behind many popular neobrokers. This link grants earlier access to the direct-to-consumer waitlist.
Get this bonus
Some of these are limited to certain states. Filter the board to yours:
Offers tracked
17
Biggest payout
$1,000
Top effective APY
97%
No direct deposit
17 offers
Up to $1,000 in NVDA
20.3% APY
2,000/hr for your time
Tiered NVDA shares by deposit + 8.1% APY sweep on cash.
Ease 6/10 · variesNo expiration
Bonus / matchDetails
20.3% effective APY
$30,000 committed, about 60 days
$20 + 1% match
6.1% APY
2,000/hr for your time
$20 per referral · 1% uncapped transfer match.
Ease 8/10 · after depositNo expiration
Bonus / matchDetails
6.1% effective APY
$50,000 committed, about 60 days
$100 - $1,000
4.0% APY
2,264/hr for your time
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 balanceDetails
4.0% effective APY
$25,000 committed, about 365 days
Up to $1,000
1.6% APY
1,500/hr for your time
Fund new money, tiered. Top tier needs ~$250K held 90 days.
Ease 5/10 · ~15 days after qualifyingEnds in 14d
Hold balanceDetails
1.6% effective APY
$250,000 committed, about 90 days
Free stock + 3% match
$800/hr
No money tied up
Free gift stock + 3% IRA transfer match with Gold.
Ease 9/10 · variesNo expiration
Bonus / matchDetails
$800/hr for your time
No cash tied up · about 0.3h of work
Up to $200 in free stock
$800/hr
No money tied up
Open an Albert account through the invite link and fund it. Free fractional shares in large American companies such as Nvidia, Alphabet (Google), Amazon and Apple are granted to the investing account.
Ease 9/10 · shares granted after you open and fund the accountNo expiration
Bonus / matchDetails
$800/hr for your time
No cash tied up · about 0.3h of work
$100 referral reward
$400/hr
No money tied up
Open a Lofty account through an invite link and complete a first qualifying property purchase.
Ease 5/10 · after the qualifying purchaseNo expiration
Bonus / matchDetails
$400/hr for your time
No cash tied up · about 0.3h of work
$99
$396/hr
No money tied up
Open and fund a brokerage account.
Ease 7/10 · after fundingNo expiration
Bonus / matchDetails
$396/hr for your time
No cash tied up · about 0.3h of work
Highest signup bonus
$100/hr
No money tied up
Stake CRO tier via referral.
Ease 6/10 · after stakingNo expiration
Bonus / matchDetails
$100/hr for your time
No cash tied up · about 0.3h of work
Signup bonus
$100/hr
No money tied up
Sign up + first qualifying deposit.
Ease 7/10 · after depositNo expiration
Bonus / matchDetails
$100/hr for your time
No cash tied up · about 0.3h of work
Up to $1,000 in stock
$100/hr
No money tied up
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 / matchDetails
$100/hr for your time
No cash tied up · about 0.3h of work
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
WebullUp to $160 + 12 sharesMoomooUp to $1,000 in NVDAPublic$20 + 1% matchCharles 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
MoomooUp to $1,000 in NVDACharles Schwab$100 - $1,000J.P. MorganUp to $1,000Public$20 + 1% matchRobinhoodFree stock + 3% matchAlbertUp to $200 in free stock
Buttons without a green fill go to the bank's own public offer, which is the better deal on those rows. See every bonus.
Pay for your time
Dollars per hour of actual work
Most offers here tie up no money at all, so the honest measure is what an hour of your time earns.
Read these numbers as a table
| Offer | Payout | Money tied up | Effective APY | Pay per hour |
|---|---|---|---|---|
| Charles Schwab Brokerage Account | $100 - $1,000 | $25,000 for about 365 days | 4.0% | $2,264/hr (0.4h) |
| Moomoo Brokerage + Cash Sweep | Up to $1,000 in NVDA | $30,000 for about 60 days | 20.3% | $2,000/hr (0.5h) |
| Public Investing | $20 + 1% match | $50,000 for about 60 days | 6.1% | $2,000/hr (0.3h) |
| J.P. Morgan Self-Directed Investing | Up to $1,000 | $250,000 for about 90 days | 1.6% | $1,500/hr (0.7h) |
| Robinhood Brokerage / IRA | Free stock + 3% match | None | No capital tied up | $800/hr (0.3h) |
| Albert Cash Account and Investing | Up to $200 in free stock | None | No capital tied up | $800/hr (0.3h) |
| Webull Brokerage / IRA | Up to $160 + 12 shares | $1,000 for about 60 days | 97.3% | $640/hr (0.3h) |
| Lofty Tokenized Real Estate | $100 referral reward | None | No capital tied up | $400/hr (0.3h) |
Work against money
Where the easy money sits
Top-left is the sweet spot: a big payout for very little work.
Each dot is one offer in America. Further left means less work; higher means more money. Bigger dots earn more on the cash you park.
Read these numbers as a table
| Offer | Payout | Money tied up | Effective APY | Pay per hour |
|---|---|---|---|---|
| Moomoo Brokerage + Cash Sweep | Up to $1,000 in NVDA | $30,000 for about 60 days | 20.3% | $2,000/hr (0.5h) |
| Charles Schwab Brokerage Account | $100 - $1,000 | $25,000 for about 365 days | 4.0% | $2,264/hr (0.4h) |
| J.P. Morgan Self-Directed Investing | Up to $1,000 | $250,000 for about 90 days | 1.6% | $1,500/hr (0.7h) |
| Public Investing | $20 + 1% match | $50,000 for about 60 days | 6.1% | $2,000/hr (0.3h) |
| Robinhood Brokerage / IRA | Free stock + 3% match | None | No capital tied up | $800/hr (0.3h) |
| Albert Cash Account and Investing | Up to $200 in free stock | None | No capital tied up | $800/hr (0.3h) |
| Webull Brokerage / IRA | Up to $160 + 12 shares | $1,000 for about 60 days | 97.3% | $640/hr (0.3h) |
| Lofty Tokenized Real Estate | $100 referral reward | None | No capital tied up | $400/hr (0.3h) |
| Tradier Brokerage | $99 | None | No capital tied up | $396/hr (0.3h) |
| Crypto.com Crypto App | Highest signup bonus | None | No capital tied up | $100/hr (0.3h) |
| Nexo Crypto Account | Signup bonus | None | No capital tied up | $100/hr (0.3h) |
| SoFi Active Invest Brokerage | Up to $1,000 in stock | None | No capital tied up | $100/hr (0.3h) |
Hold time on the strongest offer here
Webull Brokerage / IRA: what waiting costs you
The same payout is worth much more when the money comes back quickly. The marked point is the offer's own stated window.
This reads high because you barely tie up any money: $1,000 committed for about 60 days pays $160. Annualized, that is 97.3%.
Read this chart as a table
| Money committed for | Effective APY | Note |
|---|---|---|
| 30 days | 195% | |
| 45 days | 130% | |
| 60 days | 97.3% | The offer's own stated window |
| 90 days | 64.9% | |
| 120 days | 48.7% | |
| 180 days | 32.4% | |
| 270 days | 21.6% | |
| 365 days | 16.0% |
Start this offer
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
| Offer | Bonus | Requirement | Effective APY | Pay per hour | Checked |
|---|---|---|---|---|---|
| Webull Brokerage / IRA | Up to $160 + 12 shares | First deposit $1,000+ (paid in installments), or 3% IRA match. | 97.3% | $640/hr | 2026-07-05 |
| Moomoo Brokerage + Cash Sweep | Up to $1,000 in NVDA | Tiered NVDA shares by deposit + 8.1% APY sweep on cash. | 20.3% | $2,000/hr | 2026-07-05 |
| Public Investing | $20 + 1% match | $20 per referral · 1% uncapped transfer match. | 6.1% | $2,000/hr | 2026-07-05 |
| Charles Schwab Brokerage Account | $100 - $1,000 | 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. | 4.0% | $2,264/hr | 2026-08-14 |
| J.P. Morgan Self-Directed Investing | Up to $1,000 | Fund new money, tiered. Top tier needs ~$250K held 90 days. | 1.6% | $1,500/hr | 2026-07-05 |
| Robinhood Brokerage / IRA | Free stock + 3% match | Free gift stock + 3% IRA transfer match with Gold. | No capital tied up | $800/hr | 2026-07-05 |
| Albert Cash Account and Investing | Up to $200 in free stock | Open an Albert account through the invite link and fund it. Free fractional shares in large American companies such as Nvidia, Alphabet (Google), Amazon and Apple are granted to the investing account. | No capital tied up | $800/hr | 2026-08-28 |
| Lofty Tokenized Real Estate | $100 referral reward | Open a Lofty account through an invite link and complete a first qualifying property purchase. | No capital tied up | $400/hr | 2026-08-14 |
| Tradier Brokerage | $99 | Open and fund a brokerage account. | No capital tied up | $396/hr | 2026-07-05 |
| Crypto.com Crypto App | Highest signup bonus | Stake CRO tier via referral. | No capital tied up | $100/hr | 2026-07-05 |
| Nexo Crypto Account | Signup bonus | Sign up + first qualifying deposit. | No capital tied up | $100/hr | 2026-07-05 |
| SoFi Active Invest Brokerage | Up to $1,000 in stock | 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. | No capital tied up | $100/hr | 2026-08-14 |
| Fundrise Real Estate Investing | $25 bonus investment | Open a Fundrise account through an invite link and make a first investment of at least $10. | No capital tied up | $100/hr | 2026-08-14 |
| Gemini Crypto Exchange | Signup bonus | Sign up + qualifying trade. | No capital tied up | $60/hr | 2026-07-05 |
| Coinbase Crypto Exchange | $10 in BTC | Buy or sell $100 in any crypto. | No capital tied up | $40/hr | 2026-07-05 |
| SoFi Crypto Account | Bonus crypto on first trade | Open a SoFi crypto account through an invite link and place a first qualifying trade. | No capital tied up | $40/hr | 2026-08-14 |
| Acorns Investing | $5 to start | Sign up and fund your first round-up. | No capital tied up | $20/hr | 2026-07-05 |
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.
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