What happens to your moomoo accounts when you die
Covers 2 investment, 1 deposit, and 1 crypto accounts — all transfer through probate
Moomoo Financial Customer Support
Customer Support (no dedicated estate team)
Customer Support — deceased-customer matters run through the general support queue and the Secure File Upload portal
Moomoo Financial Inc., 185 Hudson St, 5 Harborside, Suite 2603, Jersey City, NJ 07311 (office of record per FINRA BrokerCheck CRD# 283078; documents are normally submitted through the Secure File Upload portal, not by mail)
moomoo does not currently support beneficiary designations, transfer-on-death registrations, or trust account titling on any account type. All moomoo investment accounts pass through the estate at death and may require probate.
When an account holder dies, the executor or administrator will need to contact moomoo with a death certificate and legal authority documents to claim account balances. The process and required documents are covered on the death claim page.
moomoo does not currently support beneficiary designations (POD or TOD) on any account type. All accounts transfer through the estate at death and may require probate.
Why trust accounts are not available
moomoo does not support retitling accounts into a trust, naming a trust as beneficiary, or any other probate-avoidance mechanism. Account balances transfer through the estate at death.
Cash Sweep Program
Uninvested cash in the brokerage account is swept to third-party Program Banks that pay interest, net of fees paid to MFI. Per moomoo's US disclosure, once swept, the cash "becomes eligible for FDIC insurance up to $250,000 per Program Bank, inclusive of any other deposits the customer already hold at the bank," and moomoo states plainly that once funds are swept "they are no longer in the brokerage account and not protected by SIPC." The sweep is a feature of the brokerage account, not a separate bank account the decedent owned, so it carries no POD designation and no separate beneficiary — it is claimed as part of the moomoo account. An executor reconciling statements should expect part of the balance to sit at Program Banks rather than in the brokerage account.
Sources
Data sourced from moomoo primary sources (15 pages reviewed). How we research.
Download these moomoo instructions
Download instructions for the whole estateA printable PDF with the steps, required documents, and contact details — verified against moomoo primary sources. Bring it to the branch or keep it beside the phone.
Moomoo Financial Customer Support
Customer Support (no dedicated estate team)
Customer Support — deceased-customer matters run through the general support queue and the Secure File Upload portal
Moomoo Financial Inc., 185 Hudson St, 5 Harborside, Suite 2603, Jersey City, NJ 07311 (office of record per FINRA BrokerCheck CRD# 283078; documents are normally submitted through the Secure File Upload portal, not by mail)
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