moomoo is the investing brand and application; Moomoo Financial Inc. is the US securities broker, while Futu Clearing Inc. provides clearing and custody. The software company does not itself execute trades or hold the brokerage relationship. The fee examples here use the US-resident securities schedule.[6][2]
The US offer centres on one individual cash account and one individual margin account per user. Both can trade stocks, ETFs and approved options, while margin borrowing, short selling and higher option levels require the margin account and its equity thresholds.[5][8]
Cash and margin accounts
Sections ↑Account comparison01
US individual accounts
| Feature | Cash account | Margin account |
|---|---|---|
| Account count | One per user | One per userSource 5 |
| Borrowing / short selling | No | Available after approval and equity requirementsSource 5Source 8 |
| Published leverage | None | Up to 4x day trading and 2x overnight on eligible securitiesSource 5Source 8 |
| Options | Up to Level 2 | Up to Level 4Source 5 |
| Minimum to use margin | Not applicable | USD 2,000 net assetsSource 8 |
| Joint / IRA route | Not shown in the cited US account article | Not shown in the cited US account articleSource 5 |
Trading and account charges
Sections ↑Pricing & charges02
Published commissions and common service charges
| Item | Published charge | Qualification |
|---|---|---|
| US stocks, ADRs, ETFs, ETNs and REITs | USD 0 commission | Regulatory, exchange and product-related costs can still apply.Source 6Source 7 |
| US equity options | USD 0 contract commission | Index and exchange-specific charges follow the detailed schedule.Source 6 |
| Index options | USD 0.50 per contract in cited schedule | Product-specific rather than a universal options rate.Source 6 |
| ACH | USD 0 normal transfer | Returned deposit: first USD 5 then USD 10; cited withdrawal correction fees also apply.Source 6Source 11Source 12 |
| Domestic outgoing wire | USD 20 | International outgoing wire: USD 25.Source 6Source 13 |
| Outgoing securities transfer | FOP DTC: USD 75; ACATS: USD 100 per transfer | Different transfer systems have different charges; confirm the receiving broker’s route.Source 6 |
| Phone-assisted trade | USD 10 | A service fee separate from online commission.Source 6 |
Pricing & charges03
Published borrowing rates
| Balance / market | Annual rate | Context |
|---|---|---|
| US margin debit | 6.8% | Published flat US rate in the cited schedule.Source 6Source 8 |
| Hong Kong margin debit | 6.8% | Separate market currency and risk.Source 6 |
| China A-share margin debit | 8.8% | Higher market-specific rate in the same schedule.Source 6 |
| Minimum account equity | USD 2,000 | Threshold for margin trading, not a cap on losses.Source 8 |
Platforms and market data
Sections ↑Platforms & products04
Platform and research routes
| Route | Published capability | Boundary |
|---|---|---|
| Moomoo Desktop | Charts, screeners, options tools and multi-market data | Software features do not change account permissions.Source 10 |
| Moomoo Mobile | Trading, news, community and analysis | Community content is not broker research or investment advice.Source 10 |
| TradingView | Connected chart and order route | Eligible symbols and account connection should be confirmed.Source 10 |
| OpenAPI | Programmatic market and account access | Credential security, limits and order confirmation are operator responsibilities.Source 10 |
| Paper trading | Simulation environment | Does not reproduce live fills, borrowing or market impact.Source 10 |
Platforms & products05
Level 2 market-data route
| Feature | Published term | Meaning |
|---|---|---|
| Depth | Up to 60 levels | A market-data display depth, not a guarantee of available size at execution.Source 9 |
| Initial access | 30-day complimentary period | Later eligibility or subscription can differ.Source 9 |
| Ongoing eligibility example | USD 100 average account value over 30 days | Current US page condition; confirm before relying on continued access.Source 9 |
| Use | Order-book analysis and market monitoring | Data latency, venue coverage and professional status matter.Source 9 |
Funding and transfers out
Sections ↑Account comparison06
Funding and withdrawal routes
| Method | Published treatment | Operational point |
|---|---|---|
| ACH deposit | No normal moomoo fee | Bank linking, verification and deposit holds apply.Source 11Source 6 |
| ACH withdrawal | No normal withdrawal commission | At least four-business-day holding requirement and settled sale proceeds; ACH receipt normally 3–5 business days.Source 12Source 6 |
| Domestic wire | Incoming route supported; outgoing USD 20 | Outgoing wire estimate 1–3 days; own-name beneficiary and account-statement matching required.Source 13Source 6 |
| International wire | Outgoing USD 25 | Currency and beneficiary checks are separate.Source 13Source 6 |
| Third-party funding | Not treated as a normal personal-account route | Account-name and anti-money-laundering rules govern acceptance.Source 11Source 13 |
The US ACH withdrawal page separates a four-business-day funds-holding condition from T+1 securities settlement and a further three-to-five-business-day arrival estimate. These are different clocks; a settled sale does not necessarily release a newly deposited balance from its hold. The route is USD to US banks. Outgoing wires use separate beneficiary checks and charges.[12][13]
Account comparison07
US securities transfer-out mechanics
| Route / event | Published treatment |
|---|---|
| ACATS request | Receiving broker initiates; account registration must match. Whole shares, eligible options and cash are supported.Source 14 |
| ACATS cost and timing | USD 100 for full or partial transfer; normally 3–5 business days, subject to both brokers.Source 14 |
| Full transfer | Open orders cancelled; account trading, funding and further transfers restricted. The guide states trading restrictions continue 180 days after completion.Source 14 |
| Partial transfer | All open orders cancelled; transferring securities and options on them restricted, while other assets can remain tradable.Source 14 |
| Excluded assets | Fractions and options expiring within seven business days cannot transfer through this route.Source 14 |
Incoming transfers use a different instruction flow and do not establish the outgoing charge. The FOP/HK procedure is separate from ACATS; the current tariff names USD 75 for FOP DTC and USD 100 for ACATS. The receiving broker’s acceptance, account registration and asset eligibility remain part of the operation.[16][6][15]
Custody and protection boundaries
Sections ↑Entities & regulation08
Entity and clearing chain
| Company | Reference | Role |
|---|---|---|
| Moomoo Technologies Inc. | Application and technology company | Provides the app; not the broker-dealer holding the account.Source 1Source 2 |
| Moomoo Financial Inc. | FINRA CRD 283078 | US introducing securities broker and public-facing account company.Source 2Source 3 |
| Futu Clearing Inc. | FINRA CRD 298769 | Clearing broker and custody/settlement company.Source 2Source 4 |
| Futu Holdings Limited | Listed parent group | Corporate parent; not the client’s account agreement by itself.Source 1 |
Protections & eligibility09
Protection and cost boundaries
| Question | Published answer | What it does not cover |
|---|---|---|
| Securities protection | FINRA/SIPC broker-dealer and clearing relationships | SIPC does not protect market loss or every non-securities product.Source 2Source 3Source 4 |
| Commission-free label | Selected US products have USD 0 commission | Regulatory fees, margin, data, wires and transfers remain.Source 6Source 7 |
| Margin buying power | Up to 4x day / 2x overnight | Availability varies by security and approval; forced liquidation remains possible.Source 5Source 8 |
| Level 2 access | Eligibility-based market data | Depth display does not establish execution quality.Source 9 |
Service contacts
Sections ↑US securities customer service is available at +1 888 721 0610, Monday–Friday 08:30–16:30 Eastern Time, and [email protected]; the online-inquiry channel is listed as 24/7. These are service-contact hours, not a guaranteed complaint-resolution deadline. The securities and crypto services use different legal entities and complaint channels; this reference concerns the Moomoo Financial securities account.[6]
Company reference
Sections ↑Broker essentials10
Broker essentials
| Measure | Value | Context |
|---|---|---|
| US securities broker | Moomoo Financial Inc. | FINRA CRD 283078 and SEC file 8-69739 are published.Source 2Source 3 |
| US clearing company | Futu Clearing Inc. | FINRA CRD 298769 and SEC file 8-70215.Source 2Source 4 |
| Brand parent | Futu Holdings Limited | Moomoo describes itself as an independent brand within the listed Futu group.Source 1 |
| Core account minimum | No general deposit minimum | Margin privileges require at least USD 2,000 net assets.Source 5Source 8 |
| Platforms | Desktop, mobile, TradingView and OpenAPI routes | Market data and tool access can depend on account value or subscription.Source 10Source 9 |
- Headquarters
- Jersey City, New Jersey, United States — US broker operation; group parent listed separately
- Founded
- Moomoo brand launched in 2018
Legal entities & licences
These are source-dated records, not a blanket assessment of the broker. Read each issuer, identifier, status and scope together.
Moomoo Financial Inc.
| Issuer & identifier | Recorded status | Date & scope |
|---|---|---|
| Financial Industry Regulatory Authority283078 | Registered | Checked 9 Oct 2026FINRA CRD for the US introducing broker-dealer.Source 3Source 2 |
Futu Clearing Inc.
| Issuer & identifier | Recorded status | Date & scope |
|---|---|---|
| Financial Industry Regulatory Authority298769 | Registered | Checked 9 Oct 2026FINRA CRD for the US clearing broker-dealer.Source 4Source 2 |
Research scope
Sections ↑Sources & further reading
- About moomoo and the Futu group moomoo · Accessed 9 Oct 2026
- Licensed entities and US registrations moomoo · Accessed 9 Oct 2026
- FINRA BrokerCheck: Moomoo Financial Inc., CRD 283078 FINRA BrokerCheck · Accessed 9 Oct 2026
- FINRA BrokerCheck: Futu Clearing Inc., CRD 298769 FINRA BrokerCheck · Accessed 9 Oct 2026
- Cash and margin account types moomoo · Accessed 9 Oct 2026
- US commissions, margin and service fee schedule moomoo · Accessed 15 Oct 2026
- Moomoo US pricing overview moomoo · Accessed 9 Oct 2026
- US margin trading conditions moomoo · Accessed 9 Oct 2026
- Level 2 market-data service moomoo · Accessed 9 Oct 2026
- Moomoo platforms and product tools moomoo · Accessed 9 Oct 2026
- ACH deposits moomoo · Accessed 9 Oct 2026
- ACH withdrawals moomoo · Accessed 15 Oct 2026
- Wire transfer funding and withdrawal moomoo · Accessed 15 Oct 2026
- US ACATS transfer-out process and restrictions Moomoo Financial Inc. · Accessed 15 Oct 2026
- FOP/HK securities transfer-out procedure Moomoo Financial Inc. · Accessed 15 Oct 2026
- US assets transfer-in route Moomoo Financial Inc. · Accessed 15 Oct 2026
This profile reports dated public information, including broker-published services and terms. It does not independently test or guarantee execution, pricing or withdrawals. Inclusion is not an endorsement. Permissions and protections apply only to the named legal entity, service and client category; check the current official records and your contract.