VOL. XCIV, NO. 247
Replacement verdicts
Curated replacements grouped by fit, tradeoffs, pricing flexibility, and platform access. Use this list to decide which Cash App competitor is worth testing first.
Looking for a Cash App replacement? We've profiled 20 alternatives by workflow fit, pricing flexibility, caveats, and platform access. Whether you need a free option to trial, mobile-ready workflows, or API integrations, this list helps you choose what to test first.
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Best for: Revolut customers who want investing inside the same money app.
Watch for: Fees depend on region and plan: Commission-free order allowances, execution commissions, Trading Pro pricing, crypto, commodities, and robo-advisor availability vary by entity and country.
Best for: Active investors who need global multi-asset access, advanced orders, APIs, and volume-based commissions.
Watch for: Commission and market-data details vary by market: The record contains separate stock, ETF, options, futures, crypto, and market-data pricing notes by region and product.
Best for: U.S. self-directed investors who need several account types, research, retirement administration, and multiple trading platforms.
Watch for: Low default cash rate: The standard Bank Deposit Program pays 0.01% below $500,000 under the current tier schedule; rates are variable.
Best for: Eligible European residents who want a depot without custody fees and with low-cost gettex execution.
Watch for: Nine-country eligibility: New accounts are limited to residents of nine named European countries and exclude people subject to U.S. tax.
Our ranked order by workflow overlap and quality.
Bottom line: Revolut customers who want investing inside the same money app.
No missing capabilities listed.
Transaction-priced · Fees vary by offer and jurisdiction
Bottom line: U.S. self-directed investors who need several account types, research, retirement administration, and multiple trading platforms.
No missing capabilities listed.
Transaction-priced · Fees vary by offer and jurisdiction
Bottom line: Eligible European residents who want a depot without custody fees and with low-cost gettex execution.
No missing capabilities listed.
Transaction-priced · Fees vary by offer and jurisdiction
Bottom line: Active investors who need global multi-asset access, advanced orders, APIs, and volume-based commissions.
Transaction-priced · Fees vary by offer and jurisdiction
Bottom line: U.S. investors looking for $0 online stock and most ETF trades, research, tax documents, and several account types.
Transaction-priced · Fees vary by offer and jurisdiction
Bottom line: U.S. Bank of America customers valuing linked banking, immediate eligible transfers, and relationship-level visibility.
Transaction-priced · Fees vary by offer and jurisdiction
Bottom line: Eligible U.S. traders looking for mobile, web, and desktop execution with $0 online commissions for U.S.-listed stocks and ETFs.
Transaction-priced · Fees vary by offer and jurisdiction
Bottom line: UK tax residents looking for commission-free app-first investing with a free GIA, ISA, and SIPP.
Transaction-priced · Fees vary by offer and jurisdiction
Bottom line: UK investors looking for taxable, ISA, LISA, junior, trust, company, and pension accounts with one provider.
Transaction-priced · Fees vary by offer and jurisdiction
Bottom line: UK investors looking for broad funds, shares, ETFs, bonds, ISA, LISA, junior, trust, and pension accounts in one established platform.
Transaction-priced · Fees vary by offer and jurisdiction
Bottom line: Eligible investors looking for app-first commission-free stock and ETF execution with multi-currency Invest accounts.
Transaction-priced · Fees vary by offer and jurisdiction
Bottom line: Japan residents who need Japanese and U.S. securities, funds, bonds, and derivatives in one account.
Transaction-priced · Fees vary by offer and jurisdiction
Bottom line: Japan residents who need domestic shares, U.S. securities, funds, bonds, and derivatives in one account.
Transaction-priced · Fees vary by offer and jurisdiction
Bottom line: European investors comparing low-cost broker plans for stocks, ETFs, funds, bonds, crypto ETPs, derivatives, and savings plans.
Transaction-priced · Fees vary by offer and jurisdiction
Bottom line: Eligible U.S. investors who want self-directed investing in the SoFi app.
Transaction-priced · Fees vary by offer and jurisdiction
Bottom line: Canadian residents seeking $0 online commissions for listed Canadian and U.S. stocks and ETFs.
Transaction-priced · Fees vary by offer and jurisdiction
Bottom line: Spanish residents who want a domestic bank and self-directed stock and ETF trading in one app.
Transaction-priced · Fees vary by offer and jurisdiction
Bottom line: U.S. long-term investors who center portfolios on Vanguard mutual funds and ETFs.
Transaction-priced · Fees vary by offer and jurisdiction
Bottom line: European investors looking for low-cost self-directed access to stocks, ETFs, bonds, funds, options, and futures.
Transaction-priced · Fees vary by offer and jurisdiction
Bottom line: U.S. investors who want brokerage, trading platforms, research, tax workflows, and several asset classes in one account.
Transaction-priced · Fees vary by offer and jurisdiction
Revolut (Invest) is the closest drop-in replacement with overlapping coverage in Brokerage, Portfolio, and Downloadable Tax Reports while adding Watchlist and Alerts coverage and Revolut's US stock page lists 4,000+ US-listed stocks, with stock orders starting from $1; available assets vary by country. and In Spain, Standard and Plus include 0 commission-free orders, Premium 5, and Metal or Ultra 10 across stocks, ETPs, and bonds. Extra orders cost €1 each. features (workflow overlap ~100%).
Round out your stack with new coverage areas like Watchlist, Alerts, News, and ETF Analysis.
Most shared categories across the top matches.
Categories the alternatives add beyond Cash App.
Free to start
0/20
0 of 20 start free, which Cash App does not.
Paid plans from
Not listed
No comparable monthly prices are listed for these alternatives.
Mobile app
20 of 20
20 have a mobile app, like Cash App.
API access
3 of 20
3 expose an API or data feed, usually on a paid plan.
Hands-on tested
3 of 20
3 tested hands-on. 3 are analyst picks.
Coverage overlap
95%
Average share of Cash App categories each alternative covers.
Revolut (Invest), E*TRADE from Morgan Stanley, and SMARTBROKER+ share the most workflows with Cash App, in that order. Start with the one whose Keep list matches what you use daily.
Between them the top matches cover Brokerage, Downloadable Tax Reports, and Portfolio. Cash App workflows in those areas move over as they are. The Lose column on each card names what does not.
Missing an alternative, or is a listing out of date? Tell me and I will look.
This directory blends AI‑assisted discovery with human curation. Entries are reviewed, edited, and organized with the goal of expanding coverage and sharpening quality over time. Your feedback helps steer improvements (because no single human can capture everything all at once).
Details change. Pricing, features, and availability may be incomplete or out of date. Treat listings as a starting point and verify on the provider’s site before making decisions. If you spot an error or a gap, send a quick note and I’ll adjust.