Best Brokerage Bonuses for Small Deposits (2026)
You don't need six figures to earn a brokerage bonus. Many top brokerages offer meaningful sign-up bonuses for deposits under $25,000 — sometimes even under $5,000. This guide highlights the best brokerage bonuses accessible to everyday investors who want to earn extra cash when opening a new investment account.
Qualifying Offers
Chase J.P. Morgan Self-Directed Investing Bonus
Up to $1,000 cash bonus with $5,000-$250,000+ deposit
SoFi IRA Match Bonus
2% match on IRA contributions (up to IRS annual limit)
Charles Schwab Brokerage Referral Bonus
Up to $1,000 cash bonus
Schwab Referral Bonus
Up to $1,000 cash bonus
Moomoo Brokerage Bonus
Up to $1,000 in NVDA stock with $100,000 deposit
Merrill Brokerage Bonus
Up to $1,000 cash bonus
CIT Bank Self-Directed Investing Bonus
Up to $750 based on deposit amount
Merrill Brokerage Bonus
Up to $600 standard; up to $1,000 with Preferred Rewards
Citi Self Invest Bonus
$500 cash bonus
Plynk Brokerage Bonus
25% match on dividends earned, up to $250 annually
Robinhood Brokerage Bonus
Up to $200 in free stock
Ally Invest Bonus
$200 cash bonus with $1,000 transfer from external account
Webull Transfer Bonus
Up to $175 transfer fee reimbursement
Webull Brokerage Bonus
$160 Visa giftcard with $1,000+ deposit
NinjaTrader Brokerage Bonus
$100 bonus when you deposit $100+
Tips for Maximizing Small-Deposit Bonuses
- Look for offers with low minimum deposit requirements — some start at just $1,000 or less.
- Check the hold period: many bonuses require you to keep the deposit for 6–12 months.
- Consider funding with an ACAT transfer from another brokerage for potentially faster bonus eligibility.
- Stack bonuses: some brokerages offer both new account and referral bonuses.
- Set a calendar reminder before the hold period expires so you can decide whether to keep the account or close it.
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