What happens to your moomoo accounts when you die
No beneficiary or trust option on any account, so they pass through the estate
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.
No beneficiary form at moomoo
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
Individual Cash Account
Individual Margin Account
Prediction Markets (Event Contracts)
Crypto Account (Moomoo Crypto Inc.)
What moomoo says about beneficiaries
Each section is moomoo's own statement, with the document it comes from numbered under Sources.
Which accounts take a beneficiary5
- Investment account
moomoo offers only Individual Cash and Individual Margin accounts, with one cash account and one margin account per customer.1
Prediction market event contracts sit inside the margin account and carry no separate designation.2
- IRA
The help center states: "Moomoo Financial Inc. does not offer individual retirement account (IRA) or joint account."1
- Joint account with survivorship
moomoo does not offer a joint account.1
- Trust account
moomoo has no trust accounts. A trust cannot own a moomoo account.1
- Crypto account
Crypto held with Moomoo Crypto Inc. carries no beneficiary designation.2
Who can be named1
- A trust
A trust cannot be named as a death beneficiary.1
What moomoo's agreement says about beneficiaries1
- Changing or revoking a designation
The Customer Agreement refers at section 10.16 to beneficiaries on the account "(if any)" and says they "will not be changed unless I submit to you a new beneficiary designation." Section 11.3 refers to "any beneficiaries designated in writing."3
Accounts handled elsewhere1
- Moomoo Crypto Inc.
Crypto held in the moomoo app2
Not in moomoo's published guidance4
- A beneficiary designation form
- An online way to name a beneficiary
- What the owner provides to name a beneficiary
- Transfer on death beneficiary designation
Sources3
Sources
Data sourced from moomoo primary sources (16 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.
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