moomoo Referral Programme Singapore 2026: How to Refer Friends & Earn Up to S$440+

What Is the moomoo Referral Programme?

The moomoo referral programme is a monthly campaign run by moomoo Singapore (operated by Moomoo Financial Singapore Pte. Ltd., MAS-licensed under CMS Licence No. CMS101000) that rewards existing users for bringing new investors onto the platform.

Unlike the moomoo referral code (which is for new users to claim a welcome bonus at sign-up), the referral programme is built for you — the existing account holder who wants to earn rewards by recommending moomoo to friends, family, or colleagues.

The programme runs in monthly cycles with specific campaign periods (for example, 1 Sep – 30 Sep 2026). Reward amounts and deposit thresholds are broadly consistent month to month, but always check the in-app activity page for the exact terms of the current cycle before sharing your link.

Referrer vs Referee: Who Is Who?

• Referrer: You — the existing moomoo SG user who shares the referral link or code.
• Referee: Your friend — a new user who signs up through your link and makes a qualifying deposit.

Both sides earn rewards, which is what makes the programme genuinely compelling. Your friend gets an exclusive deposit reward that they cannot access without a referral link, and you earn trading coupons and tier bonuses for every qualifying friend.

Step-by-Step: How to Refer a Friend on moomoo Singapore

Sharing your referral link takes less than two minutes. Here’s exactly how to do it in the moomoo SG app as of October 2026:

1. Open the moomoo app on your phone and log in to your account.
2. Go to the campaign page. Tap Markets → Activities, or navigate directly to moomoo.com/sg/events/referral in a browser while logged in.
3. Find “Referral Programme.” The current monthly campaign will be listed under active promotions.
4. Tap “Invite Friends” or “Share Referral Link.” moomoo generates a unique referral link tied to your account.
5. Share the link via WhatsApp, Telegram, or any channel your friend uses. You can also share your referral code directly — your friend enters it during the sign-up flow.
6. Your friend signs up using your link (preferred) or enters your referral code after registration. The referral relationship is created immediately.
7. Your friend completes a qualifying deposit or transfer within the campaign period (and within 30 days of the referral relationship being created).
8. Rewards are credited. Trading coupons appear under Me > My Rewards within 7 business days of the qualifying action being completed.
9. Track your referrals under Referral Record on the activity page — you can see referral status, pending rewards, and completed payouts.

Pro tip: Referral links work immediately, but the referral relationship expires after 30 calendar days if your friend has not yet made a deposit. If the link expires, you can re-send a new link as long as your friend has not yet deposited (a new referral relationship can be established before the first deposit is made).

Key Terms and Conditions You Must Know

Before sharing your link, understand these conditions so you don’t run into unexpected issues:

Who Can Participate as a Referrer?

• You must hold a Moomoo ID with an active moomoo SG account.
• Only individual accounts qualify — joint or corporate accounts are excluded.
• The programme cannot be combined with other referral promotions running simultaneously.

Who Qualifies as a Referee?

• The referee must be a new moomoo user, or must have registered more than 30 days ago with no prior deposits or transfers on their account.
• Each user can only be invited once — you cannot refer the same person twice, and they cannot receive referral rewards from two different referrers.
• A Universal Account with moomoo SG is required to redeem rewards.

Timing and Expiry

• The referral relationship expires after 30 calendar days if the referee does not complete a qualifying deposit or transfer. A new link can be shared to restart the clock, as long as no deposit has been made yet.
• Trading coupons are issued within 7 business days of the qualifying action and valid for 90 days.
• The programme runs in monthly cycles. A new campaign replaces the previous one at the start of each month.

Caps

• Referrer deposit reward (S$100 tier): capped at S$2,000 per campaign (equivalent to 20 successful S$100 referrals).
• The S$3,000 tier bonus and the S$10,000 transfer reward have no cap.
• The Exclusive Referral Deposit Reward for the referee is one per user.

Fraud and Abuse Policy

moomoo monitors for suspicious activity including multiple accounts, device sharing, and coordinated fake referrals. Detected abuse results in forfeited rewards across all associated accounts. Do not attempt to refer yourself via alternative accounts.

Is the moomoo Referral Programme Worth It?

For most active investors, yes — with a few caveats:

When It Makes Sense

• You actively invest on moomoo and trade frequently enough to use the trading coupons within 90 days. An inactive user who earns S$200 in coupons but rarely trades will see those coupons expire unused.
• You have friends who are seriously considering investing. The best referrals are friends already thinking about opening a brokerage account — forcing an unwilling person to sign up just to help your reward rarely ends well for the friendship or the reward (they may not deposit at all).
• Your friend is investing meaningful capital. A friend depositing S$3,000 or more (to trigger your tier bonus) is the sweet spot where both of you benefit substantially.

When It May Not Be Worth the Effort

• If you rarely log into moomoo, the 90-day coupon validity means rewards may expire before you can use them.
• The programme is not stackable with other referral promotions. During months when moomoo runs better-value promotions, the referral programme may be less competitive.

Referral Stack: Combining Multiple Broker Rewards

Singapore investors who actively invest across multiple platforms can combine referral earnings. If you’re already earning referral rewards from moomoo, consider also exploring the Syfe referral code and sign-up bonus for your friends who prefer managed portfolios — the two platforms serve different investor types, so there’s no conflict in recommending both.

For those focused on building passive income through dividends and REITs alongside their brokerage accounts, the passive income Singapore 2026 guide covers a broader strategy worth reading before picking your platforms. And once you’ve mapped out your investments, the Singapore retirement calculator can help you see how your brokerage returns fit into your longer-term financial picture.