moomoo Singapore does not use a traditional referral code system. Instead, moomoo runs deposit-and-trade welcome promotions offering up to S$2,388 in rewards for new users as at July 2026. To claim the bonus, you sign up, fund your account, and complete the required number of trades within the promotional window — no referral code entry needed. However, moomoo does not support CPF or SRS investing. If those matter to you, Endowus (code 2V343), Syfe (code SRPRFFFCD), or FSMOne (code P0544985) are better fits.

Not financial advice. All figures are for educational reference only. Promotion details are subject to change — always verify on each platform’s official website. Data as at July 2026.

Does moomoo Have a Referral Code?

Technically, no. Unlike Endowus, Syfe, or FSMOne — which give you a specific referral code to share with friends — moomoo Singapore’s welcome programme works differently. There is no code to enter at sign-up.

Instead, moomoo runs deposit-and-trade promotions. You open an account, deposit funds above a certain threshold, and complete the required number of trades within the promotional period. The bigger your deposit and the more trades you make, the more rewards you unlock.

That said, moomoo does occasionally run limited referral-style campaigns where existing users share a personalised invite link. These come and go — check moomoo’s official promotions page for the latest mechanic.

The bottom line: when someone says “moomoo referral code”, they usually mean the welcome bonus system. Here’s exactly how to claim it.

How to Claim the moomoo Welcome Bonus (Step by Step)

Here’s how to get the most out of moomoo’s welcome programme in 2026:

1. Download the moomoo app — available on iOS and Android. You can also open an account at moomoo.com/sg.
2. Complete identity verification (MyInfo/SingPass recommended) — this is the fastest route. moomoo accepts NRIC, passport, and SingPass-verified documents. Approval is typically same-day.
3. Fund your account — transfer SGD via PayNow, bank transfer, or FAST to hit your target promo tier. Make sure to fund within the promotional window (usually 30 days from account opening).
4. Complete the required trades — buy and/or sell the required number of times. US stocks are commission-free, so you can trade US ETFs to hit the trade count without paying much.
5. Check your rewards in the app — moomoo credits stock vouchers, cash rewards, or commission-free days to your account. Voucher shares are typically US-listed stocks you can sell after the lock-up period (usually 60–90 days).

Key things to watch: the lock-up period on stock vouchers, the 30-day funding window, and the minimum hold period. Read the T&Cs on moomoo’s website before depositing — the headline number always has conditions attached.

moomoo Promo Tiers 2026: What You Actually Get

moomoo’s promotions use a tiered structure — the more you deposit, the more you get. Here’s what the 2026 promo tier table looks like based on publicly available information as at July 2026:

Source: moomoo Singapore promotions page, July 2026. Terms and values change frequently — always check moomoo’s website for the current promo before depositing.

One tip: the stock voucher shares usually have a 60-day lock-up before you can sell them. Factor that in if you need liquidity. Also, moomoo periodically runs flash promos with higher tier values — mid-year and year-end tend to be the best times to sign up.

Why moomoo Cannot Use Your CPF or SRS

This is the single biggest limitation of moomoo for Singapore investors. If you have CPF Ordinary Account (OA) savings above the minimum sum, you can invest them via the CPF Investment Scheme (CPFIS). But moomoo is not an approved CPFIS operator.

Similarly, if you contribute to SRS (Supplementary Retirement Scheme) for tax relief, you cannot deploy those funds on moomoo. Your SRS money sits uninvested unless you use an approved platform.

This matters more than most people realise. CPF OA earns 2.5% p.a. A balanced fund via Endowus has historically returned 5–7% p.a. net of fees. On S$50,000 over 20 years, that gap is roughly S$70,000–S$120,000 in additional retirement savings.

So before you chase moomoo’s welcome bonus, ask yourself: is your CPF OA already invested? If not, that’s almost certainly the higher priority. Our retirement planning calculator can help you run the numbers.

Endowus Referral Code 2V343: The CPF/SRS Alternative

Endowus is the platform most Singapore investors use alongside (or instead of) moomoo when they have CPF or SRS funds. It is an MAS-licensed digital wealth platform that gives you access to 200+ institutional-class funds and ETF portfolios — invested with your CPF OA, SRS, or cash.

Key advantages of Endowus:

• CPF OA investing — one of very few platforms with full CPFIS-OA access to quality global funds
• SRS investing — invest your SRS contributions in diversified portfolios, not just leaving them in the SRS account earning 0.05%
• 100% trailer fee rebate — most platforms pocket the trailer fees paid by fund managers; Endowus passes them all back to you, effectively cutting your net cost
• Access fee of 0.25% p.a. — simple, transparent, all-in pricing with no hidden charges

Use Endowus referral code 2V343 when signing up. You’ll receive S$20 in Access Fee credit for 6 months — effectively fee-free for your first S$8,000 in assets under management.

Syfe Referral Code SRPRFFFCD: Managed Portfolios + CPF

Syfe is a robo-advisor with a built-in brokerage (“Syfe Trade”). It occupies a middle ground between moomoo (pure self-directed trading) and Endowus (fully managed portfolios). You can use Syfe for managed portfolios, CPF OA investing via CPFIS-OA, SRS portfolio investing, self-directed SGX and US stock trading, and Syfe Cash+ for idle cash at ~3.5%+ p.a.

For building passive income from Singapore dividends, Syfe’s Income+ portfolio targets ~6% p.a. distribution yield from a blend of high-yield bonds and dividend-paying funds. Use Syfe referral code SRPRFFFCD to sign up and receive a fee waiver of up to 3 months.

FSMOne Referral Code P0544985: CDP Stocks + CPF

FSMOne is the go-to platform for Singapore investors who want to own their shares directly in their CDP (Central Depository) account. When you buy an SGX-listed stock or S-REIT via FSMOne, those securities appear in your CDP account — you are the direct owner registered with SGX.

FSMOne’s key strengths: CDP-linked SGX trading at 0.08% commission (min S$10), access to 1,000+ unit trusts at 0% sales charge, CPF and SRS eligibility for selected funds, and regular savings plans from S$50/month. Check out the best S-REITs in Singapore 2026 if you’re planning to build a CDP-based income portfolio.

Use FSMOne referral code P0544985 to get a S$30 cash reward when you open and fund an account.

Platform Comparison: moomoo vs Endowus vs Syfe vs FSMOne

Source: platform disclosures, July 2026. All figures indicative and subject to change.

Verdict: Which Platform Should You Use?

The “moomoo referral code” question often masks a bigger question: which platform is actually right for your situation? Here’s a simple decision guide:

• Have CPF OA funds to invest? → Start with Endowus (code 2V343). Nothing else comes close for CPFIS-OA access and fee transparency.
• Want SRS-eligible managed portfolios? → Endowus or Syfe (code SRPRFFFCD). Both cover SRS; Endowus has more fund options, Syfe has simpler onboarding.
• Building a CDP-based S-REIT income portfolio? → FSMOne (code P0544985) gives you direct ownership at the lowest CDP commission available.
• Active trader focused on US stocks and ETFs? → moomoo wins on commission (US$0) and trading tools. The welcome bonus is a nice top-up.
• New to investing, want to start simple? → Syfe’s goal-based portfolios require minimal knowledge. Use our Singapore REIT ETF guide to learn what to buy.

Run the numbers with our retirement calculator to see how much difference CPF OA investing makes over 20+ years.