Interactive Brokers vs Moomoo Referral Bonus (2026)
A detailed comparison of Interactive Brokers ($200 per referral) and Moomoo (~$100 in stock per friend per referral) in the Investing category.
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Verdict: Moomoo Edges Ahead
Both Interactive Brokers and Moomoo offer competitive referral programs. Moomoo edges ahead with a 4.3-star rating.
Interactive Brokers vs Moomoo: Referral Bonus Decision Card
Before you decide which referral link to share, check the variables that determine whether the bonus actually lands: how much you earn, what your friend earns, what they have to do to qualify, when the reward posts, and where the offer is available. Anything the provider has not confirmed is marked rather than estimated.
Interactive Brokers referral bonus at a glance
- You earn per referral
- $200
- Your friend earns
- Up to $1,000 in IBKR stock
- Qualifying action
- Must open a new Interactive Brokers account through your referral link and meet the program's funding and activity conditions. Review the official Refer a Friend program terms for the current requirements.
- Payout timing
- Not confirmed — verify current terms
- Where it's available
- Residents of Japan, Denmark, Spain, Portugal, Poland, mainland China, and Israel cannot participate as referrers. Canadian referrers earn the $200 but not IBKR stock.
- Referral cap
- 15 referrals per year (30 lifetime)
- Max earnings
- $3,000/year, $6,000 lifetime
- Last verified
- Aug 24, 2026
Moomoo referral bonus at a glance
- You earn per referral
- ~$100 in stock per friend
- Your friend earns
- Welcome stock reward
- Qualifying action
- Must open a new Moomoo account and complete a minimum net deposit (recent promotions require $500) during the promotion period. Invitee must be a new US resident who has not previously opened a Moomoo brokerage account.
- Payout timing
- Not confirmed — verify current terms
- Where it's available
- Not confirmed — verify current terms
- Referral cap
- 10 referrals
- Max earnings
- Varies by promotion (10-referral limit)
- Last verified
- Jun 2, 2026
These are referral-program terms as last verified by RefPerks — not financial, tax, or betting advice, and not a guarantee of payout. Providers change reward amounts, caps, and eligibility without notice, so confirm the current terms with the provider before sharing your link.
Side-by-Side Comparison
| Feature | Interactive Brokers | Moomoo |
|---|---|---|
| Referrer Bonus | $200 | ~$100 in stock per friend |
| Referee Bonus | Up to $1,000 in IBKR stock | Welcome stock reward |
| Payout Type | Cash | Stock |
| Commission Type | One-Time | One-Time |
| Max Referrals | 15 referrals per year (30 lifetime) | 10 referrals |
| Max Earnings | $3,000/year, $6,000 lifetime | Varies by promotion (10-referral limit) |
| Conversion Difficulty | Hard | Easy |
| Rating | 4.2 | 4.3 |
| How to Refer | Log in to IBKR Client Portal, open the Refer a Friend section under the referral programs menu, and share your personal referral link or code. | 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 Interactive Brokers account through your referral link and meet the program's funding and activity conditions. Review the official Refer a Friend program terms for the current requirements. | Must open a new Moomoo account and complete a minimum net deposit (recent promotions require $500) during the promotion period. Invitee must be a new US resident who has not previously opened a Moomoo brokerage account. |
| Last Verified |
Pros & Cons
Interactive Brokers
Pros
- +Flat $200 cash per referral — no randomized stock lottery
- +Highest confirmed per-referral cash payout among major US brokerages
- +Your friend can earn up to $1,000 in IBKR stock
Cons
- −You must hold $2,000+ net liquidation value and have placed a trade to qualify
- −Hard caps at 15 referrals per year and 30 lifetime
- −Several countries are excluded from participating as referrers
- −IBKR appeals to active traders, so it converts poorly with casual investors
Moomoo
Pros
- +About $100 in stock per funded referral — strong per-referral value
- +Higher tiers can unlock larger reward pieces
- +Commission-free trading with advanced tools
- +Access to global markets beyond US stocks
Cons
- −Friend must deposit $500 to qualify — a higher bar than no-deposit apps
- −Reward is capped at your first 10 successful referrals
- −Exact amounts and promotion windows change over time
Detailed Program Breakdowns
Interactive Brokers Referral Program
Interactive Brokers pays a flat $200 for each eligible referral under its Refer a Friend program. To qualify as a referrer your own IBKR account must hold a net liquidation value of at least $2,000 and have placed at least one securities trade.
Max earnings: $3,000/year, $6,000 lifetime
Max referrals: 15 referrals per year (30 lifetime)
Moomoo Referral Program
Earn roughly $100 in stock (recent promotions pay it in NVDA shares) for each friend who opens a Moomoo account and completes a qualifying net deposit. Higher referral tiers can unlock larger reward pieces, but $100 per friend is the typical baseline.
Max earnings: Varies by promotion (10-referral limit)
Max referrals: 10 referrals
Our Recommendation
Moomoo edges ahead with a 4.3/5 rating, making it our top pick in this comparison. It offers ~$100 in stock per friend per referral with stock payouts.
That said, Interactive Brokers 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, Interactive Brokers or Moomoo?
- Interactive Brokers offers $200 per referral while Moomoo offers ~$100 in stock per friend per referral. Based on the maximum bonus value, Moomoo has the higher earning potential per referral.
- Is Interactive Brokers or Moomoo easier to refer friends to?
- Interactive Brokers has a hard difficulty level while Moomoo has a easy difficulty level. Moomoo is generally easier to convert referrals for.
- How do Interactive Brokers and Moomoo pay referral bonuses?
- Interactive Brokers 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 Interactive Brokers and Moomoo referral programs?
- Yes, you can promote both Interactive Brokers 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, Interactive Brokers or Moomoo?
- Interactive Brokers has a 4.2/5 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.
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Where This Comparison Fits
Keep researching before you share a link — these pages cover the same programs from a different angle.
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.