Updated September 29, 2026 · BrokerCue Editorial Team
CFI vs moomoo
CFI vs moomoo: the differences
| Compare |  CFI |  moomoo |
|---|---|---|
| Markets | Stocks, ETFs, Forex, CFDs, Crypto | Stocks, ETFs, Options, Crypto |
| Regulators | Cyprus Securities and Exchange Commission, FCA | SIPC |
| Investor protection | EU ICS up to EUR 20,000 | SIPC up to USD 500,000 |
| Platforms | MT5, TradingView, CFI Multi Asset, CFI Trading App | Moomoo app, Moomoo Desktop |
| Minimum deposit | $0 | Not confirmed |
| Stock trade fee | Not confirmed | $0 |
| Account fee | Not confirmed | $0 |
| Retail accounts that lose money | 66% | Not confirmed |
| Options contract fee | Not confirmed | $0 |
| Deposit and withdrawal fees | No deposit fees | Not confirmed |
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Key differences
- CFI scores higher overall: 9.6 vs 9.1.
- Regulators: only CFI offers Cyprus Securities and Exchange Commission, FCA.
- Regulators: only moomoo offers SIPC.
- CFI is licensed in 1 more country.
- Markets: only CFI offers Forex, CFDs.
- Markets: only moomoo offers Options.
- Platforms: only CFI offers MT5, TradingView, CFI Multi Asset.
- Platforms: only moomoo offers Moomoo app, Moomoo Desktop.
- Features: only moomoo offers Crypto, Fractional shares, Options.
Our verdict on each
CFI
CFI suits traders who want one account covering stocks, etfs and forex on a commission-free model commission free, with a minimum deposit of $0 and a Cyprus entity licensed by Cyprus Securities and Exchange Commission and FCA. Note that 66% of retail accounts lose money, and protection under the EU scheme is limited.
moomoo
moomoo suits retail investors who want to trade stocks, ETFs, options and crypto without paying a commission on each trade, and who are comfortable holding a US SIPC member account. Its BrokerCue score is 7.5, and the appeal rests on cost rather than on the size of the market list.
Score breakdown
| Area | CFI | moomoo |
|---|---|---|
| Cost | 9.7Higher | 9.5Every listed charge sits at $0 for stocks, $0 for options and $0 for the account. |
| Offer | 9.6Higher | 9.1 |
| Trust | 9.4Higher | 8.6 |
Where each is licensed and available
| Country | CFI | moomoo |
|---|---|---|
| Cyprus | Not confirmed | |
| United Kingdom | Not confirmed | |
| United States | Not confirmed | SIPC SIPC member 69739 |
Side by side, item by item
| Markets | CFI | moomoo |
|---|---|---|
| Stocks | Yes | Yes |
| ETFs | Yes | Yes |
| Forex | Yes | No |
| CFDs | Yes | No |
| Options | No | Yes |
| Crypto | Yes | Yes |
How they place
| Ranking | CFI | moomoo |
|---|---|---|
| Stock and ETF brokers | 43 of 471 | 17 of 471 |
Where these facts come from
CFI
- media.cfifinancial.com: 4 facts, checked September 26, 2026
- play.google.com: 3 facts, checked September 26, 2026
- dailyforex.com: 2 facts, checked September 26, 2026
- forex.wikibit.com: 1 fact, checked September 26, 2026
- investinglive.com: 1 fact, checked September 26, 2026
moomoo
- moomoo.com: 8 facts, checked September 26, 2026
- sipc.org: 3 facts, checked September 26, 2026
Every fact side by side
| Fact | CFI | moomoo |
|---|---|---|
| Features | Demo account, Mobile app | Crypto, Demo account, Fractional shares, Options, Mobile appCovers more |
| Pricing model | Commission free | Commission free |
| Legal entity | Credit Financier Invest (CFI) Ltd | MOOMOO FINANCIAL INC |
| Founded | 1998 | Not confirmed |
| Support channels | Not confirmed | Email, Phone, Help centre |
Where each stands against the rest
| Fact | CFI | moomoo | Median |
|---|---|---|---|
| Minimum deposit | $0below the median | Not confirmed | $25 |
| Stock trade fee | Not confirmed | $0at the median | $0 |
| Account fee | Not confirmed | $0at the median | $0 |
| Retail accounts that lose money | 66%lowest quarter | Not confirmed | 72.05% |
| Options contract fee | Not confirmed | $0lowest quarter | $0.625 |
Median across 134 listed brokers.
Pros and cons
CFI
Pros
- No minimum deposit, at $0, and No deposit fees, so funding does not cost a fee and the account can open at any size.
- Regulated on both sides of Europe: Cyprus Securities and Exchange Commission and FCA, with the Cyprus entity named as Credit Financier Invest (CFI) Ltd.
- A single account covers stocks, etfs and forex rather than forcing separate apps per asset class.
Cons
- Protection caps out at EU ICS up to EUR 20,000 on the Cyprus entity, so balances above that sit outside the scheme.
- 66% of retail accounts lose money, which is the risk that matters most for anyone sizing a position.
- Leverage sits alongside shares and ETFs in stocks, etfs and forex, so a single account mixes instruments with very different risk levels.
moomoo
Pros
- A stock trade costs $0 and an options contract costs $0, and the pricing model is commission-free.
- The account fee is $0, so an account left open costs nothing to hold.
- crypto, demo account and fractional shares covers fractional shares, a demo account, options, crypto and a mobile app, which suits smaller sums and practice trades.
Cons
- The market list is narrower than eToro's, which covers stocks, etfs and forex, while moomoo's own list is stocks, etfs and options.
- Support runs on email, phone and help centre only, so there is no live chat listed for questions raised during a trading session.
- Protection rests on a single scheme, SIPC up to USD 500,000, and SIPC names a single body, so there is no second cover behind it.
Who each suits
CFI
Who it suits
- People who want stocks, etfs and forex held in one place instead of several broker accounts.
- Traders who prefer the commission-free model commission free and a minimum deposit of $0 over a larger entry threshold.
- Savers who want a Cyprus or UK regulated option, given Cyprus Securities and Exchange Commission and FCA and the Cyprus licence 179/12.
Who should look elsewhere
- Anyone wanting a wider asset list, since stocks, etfs and forex runs to futures as well and CFI's list is stocks, etfs and forex.
- EU traders who want a rival with a low entry point, such as XTB at €0.
- Traders put off by losses in the retail book, where 66% lose money and the median here is 70.15%.
moomoo
Who it suits
- Investors who want shares, ETFs, options and crypto on one commission-free account, since stocks, etfs and options covers all four.
- Smaller-sum investors who want fractional shares and a demo account, both named in crypto, demo account and fractional shares.
- Readers comfortable with a US SIPC member arrangement, given SIPC up to USD 500,000 and SIPC member 69739.
Who should look elsewhere
- Anyone who wants forex, contracts for difference, metals or futures in the same account: eToro covers stocks, etfs and forex.
- Readers who want metals alongside shares, ETFs and crypto: Vantage covers forex, cfds and stocks, while moomoo's list is stocks, etfs and options.
Current offers
moomoo
Current offer
Bonus
Welcome Bonus
Source, checked September 26, 2026
Questions about each
CFI
What is the minimum deposit to open a CFI account?+
The minimum deposit is $0, so an account can be opened at any size and a first deposit does not have to clear a threshold. For comparison, Vantage lists $5 and XTB €0. The median minimum across the brands ranked is €4.64, and the highest reaches €26,308.87. CFI places 1 of 213 on that measure.
Does CFI charge commission on trades?+
CFI trades on a commission-free model, commission free, so positions are opened without a per-trade commission charge. The cost of a trade therefore sits in the spread and the market rather than in a commission line. Commission-free models are common in the field, appearing for 69.8% of the brands compared. Low-fee models sit alongside them at 40.5%.
moomoo
What does moomoo charge to trade stocks and options?+
On the commission-free account, the stock trade fee is $0 and the options contract fee is $0. The account fee is $0, so nothing is charged to keep the account open. Those figures are the whole cost side of the offer, and they apply to the same account rather than to a paid tier.
What does a commission-free account mean for the cost of a trade?+
The pricing model is commission-free, so a stock trade is charged at $0 rather than a percentage of the order, and an options contract at $0. Removing commission does not change the price at which an order is filled, so the buy and sell prices still matter as much as the fee line.