Acorns vs Moomoo Referral Bonus (2026)
A detailed comparison of Acorns ($5–$50 per referral) and Moomoo (Up to 15 free stocks per referral) in the Investing category.
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Verdict: Moomoo Edges Ahead
Both Acorns and Moomoo offer competitive referral programs. Moomoo edges ahead with a 4.3-star rating.
Side-by-Side Comparison
| Feature | Acorns | Moomoo |
|---|---|---|
| Referrer Bonus | $5–$50 | Up to 15 free stocks |
| Referee Bonus | $5–$20 | Up to 15 free stocks |
| Payout Type | Cash | Stock |
| Commission Type | One-Time | One-Time |
| Max Referrals | unlimited | unlimited |
| Max Earnings | unlimited | unlimited |
| Conversion Difficulty | Easy | Easy |
| Rating | 4.1 | 4.3 |
| How to Refer | Open the Acorns app, tap 'Earn' or 'Invite Friends,' and share your unique referral link. | Open the Moomoo app, navigate to the referral program section, and share your link via text, email, or social media. |
| Referee Requirements | Must open a new Acorns account and make their first investment or enable Round-Ups. | Must open a new Moomoo account and make a qualifying deposit. Higher deposits unlock more free stocks. |
| Last Verified |
Pros & Cons
Acorns
Pros
- +Extremely easy to explain and recommend
- +Low barrier for referrals — just enable Round-Ups
- +Appeals to people who've never invested before
- +Unlimited referrals
Cons
- −Base referral bonus is only $5
- −Acorns charges a monthly subscription fee ($3–$12)
- −Referral must maintain account to keep bonus invested
Moomoo
Pros
- +Up to 15 free stocks per referral — among the most generous
- +Commission-free trading with advanced tools
- +Unlimited referrals
- +Access to global markets beyond US stocks
Cons
- −Less brand recognition than Robinhood or Webull
- −Higher deposits required to unlock maximum stocks
- −Most random stocks fall in the lower value range
Detailed Program Breakdowns
Acorns Referral Program
Earn $5 to $50 per referral when a friend signs up for Acorns and makes their first investment.
Max earnings: unlimited
Max referrals: unlimited
Moomoo Referral Program
Earn up to 15 free stocks when a friend opens and funds a Moomoo account. Stock values range from $3 to $2,000 each.
Max earnings: unlimited
Max referrals: unlimited
Our Recommendation
Moomoo edges ahead with a 4.3/5 rating, making it our top pick in this comparison. It offers Up to 15 free stocks per referral with stock payouts.
That said, Acorns is still a solid program worth considering. The best choice ultimately depends on your audience — promote the platform your referrals are most likely to sign up for, as conversions matter more than raw bonus amounts.
For best results, consider promoting both programs and recommending whichever fits each individual referral's situation. Many successful referrers maintain active links for multiple programs in the same category.
Frequently Asked Questions
- Which referral program pays more, Acorns or Moomoo?
- Acorns offers $5–$50 per referral while Moomoo offers Up to 15 free stocks per referral. Based on the maximum bonus value, Moomoo has the higher earning potential per referral.
- Is Acorns or Moomoo easier to refer friends to?
- Acorns has a easy difficulty level while Moomoo has a easy difficulty level. Both programs have similar conversion difficulty.
- How do Acorns and Moomoo pay referral bonuses?
- Acorns pays referral bonuses as cash with a one-time commission structure. Moomoo pays as stock with a one-time commission structure.
- Can I promote both Acorns and Moomoo referral programs?
- Yes, you can promote both Acorns and Moomoo referral programs simultaneously. Many successful referrers promote multiple programs in the same category and recommend different options to different audiences based on their needs and preferences.
- Which has a higher rating, Acorns or Moomoo?
- Acorns has a 4.1/5 rating while Moomoo has a 4.3/5 rating on RefPerks. Moomoo is rated higher overall. Ratings reflect the quality of the referral program from a referrer's perspective, including payout reliability, bonus amounts, and ease of conversion.
Related Comparisons
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Moomoo vs Webull Referral Bonus Comparison
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Acorns vs Webull Referral Bonus Comparison
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Moomoo vs Robinhood Referral Bonus Comparison
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Acorns vs Robinhood Referral Bonus Comparison
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Explore Each Program
Get the complete breakdown of each referral program, including detailed tips, step-by-step referral instructions, and earning strategies.
Referral program terms may change. Verify current offers on the official website.