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Sign-Up Bonuses With No Stated Minimum Deposit (November 2026)
Last updated November 2, 2026 · 5 offers
These 5 offers don't state a fixed minimum deposit: Betterment, Citi Personal Wealth Management, Charles Schwab, moomoo, Crypto.com App welcome bonus. That doesn't mean free money. Most still pay in tiers based on how much you bring in, require a referral link, or need a first trade or purchase. Read each offer's terms on its page before you sign up.
| # | Offer | Keep score | Max bonus | Min deposit | Lock-up |
|---|---|---|---|---|---|
| 1 | Betterment: up to $2,000 (hold 3 years) ✓ Verified Up to $2,000 cash for deposit/rollover into eligible investing account or IRA within 45 days | $2,000 | $2,000 | — | 3 years (early removal fee) |
| 2 | Citi Personal Wealth Management: up to $1,000 (hold ~3 months) ✓ Verified Up to $1,000 cash for new funds deposited within two months | $1,000 | $1,000 | — | Maintain balance ~3 months after enrollment month |
| 3 | Charles Schwab (referral): up to $1,000 (hold 1 year) ✓ Verified Up to $1,000 cash with an existing client's referral code, tiered by net deposit | $1,000 | $1,000 | — | 1 year for taxable accounts |
| 4 | moomoo: up to $1,000 (hold 60–180 days) ✓ Verified Up to $1,000 in NVDA stock, tiered by deposit, plus 8.1% APY on cash for 60 days | $1,000 | $1,000 | — | 60–180 days depending on tier |
| 5 | Crypto.com App welcome bonus: up to $180 ✓ Verified Mystery boxes up to $180 in CRO for trading milestones in 30 days (A/B tested) | $18 | $180 (random) | — | — |
FAQ
Are there truly no-deposit bonuses?
None of the offers we track pay with zero money in. These simply don't list a fixed minimum; the bonus size usually depends on what you deposit or a first trade.
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