★ A CURATED DIRECTORY OF FINANCIAL TOOLS AND RESOURCES ★
VOL. XCIV, NO. 247
E*TRADE from Morgan Stanley Review, Pricing, and Features
E*TRADE from Morgan Stanley
E*TRADE from Morgan Stanley is a broad U.S. brokerage for taxable, retirement, custodial, trust, estate, and business accounts. It combines $0 online U.S.-listed stock and ETF commissions with Power E*TRADE, options, mutual funds, bonds, research, selected fractional securities, and extensive tax and transfer infrastructure. Its standard bank sweep is convenient but currently pays a low APY for most balances.
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Pricing
Key fees from the official fee schedule
Source-checked · Jul 17, 2026Online U.S. exchange-listed stocks and ETFs
Online options
Online secondary bonds and CDs
The Bank Deposit Program is brokerage cash sweep. Morgan Stanley Private Bank checking and Premium Savings are separate bank products and their promotional APYs are not brokerage cash rates. This profile covers Morgan Stanley Smith Barney self-directed brokerage. Core Portfolios, private-bank accounts, futures, direct crypto, and stock-plan services have separate terms or entities. See the E*TRADE from Morgan Stanley fee schedule for your country.
Key features
- Self-directed taxable, IRA, custodial, education, trust, estate, and eligible business accounts.
- E*TRADE and Power E*TRADE web, desktop, and mobile trading workflows.
- Stocks, ETFs, options, mutual funds, bonds, CDs, and selected fractional listed securities.
- ACH, wire, check, direct-deposit, and brokerage-transfer funding methods.
- Default FDIC Bank Deposit Program sweep with tiered variable APY.
- Consolidated tax documents, statements, research, screeners, watchlists, and portfolio tools.
Broker details
Account and availability
Available in 1 country
Account
Individual and joint taxable brokerage, Traditional, Roth, rollover, SEP and SIMPLE IRA, Custodial and Coverdell education accounts, Trust, estate, business and investment-club accounts · USD base currency · $0 standard brokerage minimum
Cash and trading
Interest on uninvested cash
0.01%, 0.05%, or 0.15% APY by balance tier
Deposits
Standard ACH transfer has no stated E*TRADE fee
ACH, wire, check, direct deposit or account transfer · ACH up to 3 days; check up to 5 days; qualifying wire same day
Withdrawals
Varies by method
ACH Transfer Money, wire or check
Fractional shares
Limited availability
Eligible listed Reg-NMS stocks, ETFs and ETPs · $5 minimum; quantity to 3 decimals
Tax support · United States
Country tax report provided
Regulation and protection
Morgan Stanley Smith Barney LLC
SEC and FINRA; member SIPC · CRD 149777; SEC 8-68191
Securities Investor Protection Corporation (SIPC) · $500,000, including a $250,000 cash limit
Covers missing eligible assets after broker failure, not market loss. Morgan Stanley also maintains excess coverage with a $1 billion aggregate firmwide cap and $1.9 million client cash sublimit.
FDIC Bank Deposit Program · Up to $500,000 individual or $1,000,000 joint when conditions are met
Coverage is $250,000 per depositor, ownership category and participating bank, aggregated with other deposits at each bank. Bank-sweep cash is not SIPC-covered.
Source-checked · Reviewed Jul 17, 2026 · Official sources: Morgan Stanley Smith Barney LLC broker registration, Client agreement for self-directed accounts, Forms and applications, Choosing an investing account, Pricing and rates, Asset protection, Sweep rates, Open an account FAQs, Transfer Money disclosure, Fractional shares, Tax checklist
FAQ
Is E*TRADE from Morgan Stanley free?
E*TRADE from Morgan Stanley should not be treated as free software. Brokerage access may have no monthly charge, but transaction, FX, market-data, custody, transfer, product, or spread costs can apply depending on the offer and jurisdiction. Check the broker details and official fee schedule.
Who is E*TRADE from Morgan Stanley best for?
It suits beginner, intermediate, and advanced users.
What platforms and connections does E*TRADE from Morgan Stanley support?
You can use E*TRADE from Morgan Stanley on Web, Mobile, and Desktop.
Which markets does E*TRADE from Morgan Stanley cover?
E*TRADE from Morgan Stanley covers North America. It tracks Stocks, ETFs, Options, Bonds, and Mutual Funds. Identifiers include Ticker and CUSIP.
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