Moomoo MY Membership: V1, V2, V3 Benefits, Score System and How to Upgrade

Yes, Moomoo Malaysia does have its own membership structure. Instead of using a simple USD deposit threshold like some other markets, Moomoo MY uses a Membership Points (MP) system based on your assets and trading activity over the last 90 days.

For Malaysian users, this means your level depends on how much eligible MYR-denominated assets you keep in the account and how actively you trade. The three available levels are V1, V2 and V3, and each unlocks a bigger bundle of data tools, points and perks.

How Moomoo MY Membership Works

According to the membership screen shown in the Moomoo MY app, your membership score is the total Membership Points gained in the last 90 days. Assets earn 1 point per day for every RM1,000, while each trade gives 100 MP.

Moomoo also states that MP is updated daily around 10:00 PM, based on the past 90 days excluding the current day. This makes the Malaysian version a rolling score model instead of a one-time deposit qualification model.

How Membership Points Are Calculated

The score formula shown in the app is straightforward. Eligible assets contribute MP every day, while completed trades contribute a fixed number of points.

Moomoo MY also notes that assets refer to total net assets in the universal account during the membership period, denominated in Malaysian Ringgit. Moomoo MY Cash Plus is excluded from earning MP, but securities, fractional shares, ETFs and options are eligible.

Moomoo MY Membership Benefits By Tier

The Malaysian membership benefits shown in the screenshots include both research tools and lifestyle-style perks. V1 already unlocks several premium market tools, while V2 and V3 add more monthly points, referral rewards and broader benefits.

One important detail is that US Options Depth Quotes are not shown for V1 in the benefits table, but they are included for V2 and V3. Priority Service Line is also listed as coming soon for the higher tiers.

How To Upgrade Your Moomoo MY Membership

The app shows that your member score increases with net assets and trading activity. Once your score passes the threshold for the next level, you are upgraded to that membership tier.

For new users with no prior membership, the app also shows example combinations of assets and trades that can push you above the threshold. For example, a user with RM5,000 in assets and 6 trades would reach 1,050 MP, which is enough for V1.

Best Strategy For Climbing Moomoo MY Membership

Which Moomoo MY Tier Is Actually Worth It?

For most Malaysian users, the best tier is not automatically the highest one. The more relevant question is whether the extra tools and benefits are actually useful enough to justify the assets or activity needed to maintain the score.

In practice, V2 may be the sweet spot for many active retail users because it unlocks more practical benefits without demanding the very high score needed for V3. V3 makes more sense only if you naturally maintain the score through real assets and genuine trading activity.

Upgrade And Downgrade Rules Matter Too

The screenshots also show that once your score surpasses the next threshold, you are upgraded immediately. But if your score later falls below your current tier, Moomoo MY says you enter a 14-day grace period to maintain your status.

If your score is still below the threshold at the end of that period, your membership level is downgraded to match your score. That is why it is usually smarter to aim for a sustainable tier rather than stretching your assets or trading behaviour just to hold a badge.

Final Thought

Moomoo MY Membership is real, local and clearly structured for Malaysian users, but it is not just a simple deposit-based VIP scheme. It is a rolling score system, so the real question is not how to reach V3 fast, but whether the benefits are worth the assets and activity needed to stay there.