VOL. XCIV, NO. 247
Public.com Review, Pricing, and Features
By Jera Value · Verified Sep 2026
Public combines US self-directed stocks, ETFs, bonds, options, and recurring investment plans. Build an eligible multi-symbol plan or buy supported fractional shares, with optional Reserve benefits for qualifying cash and IRA activity. Zero stated equity commissions do not remove all routing, regulatory, transfer, or product charges. Some products use separate accounts or providers, so check their terms and protection rather than treating the app as one uniform account.
Verdict
Worth it if you want eligible US stocks, bonds, options, and recurring investment plans.
- US investing: combine supported stocks, bonds, and options
- Recurring saving: schedule multi-symbol purchases
- Benefit review: evaluate Reserve against qualifying activity
Skip it if you cannot meet US opening rules or expect every fee waived.
- US opening: residential address and valid SSN required
- Additional costs: routing, transfers, regulatory, and product fees remain
- Product boundaries: separate providers and accounts have different protection
Public.com
Web / Mobile / API · How this site is funded
Pricing
Key fees from the official fee schedule
Source-checked · Sep 28, 2026High-Yield Cash AccountHigh-Yield Cash
U.S.-listed stocks and ETFs in regular hoursPrimary brokerage
Stock and ETF optionsPrimary brokerage
Recurring stock and ETF Investment Plan purchasePrimary brokerage
Outgoing ACATS transferPrimary brokerage
Disclosures reviewed Aug 23, 2026 · Public, Public
Primary brokerage free credit balances earn no interest. The High-Yield Cash Account is a distinct secondary brokerage account with an Apex partner-bank sweep, not a savings account. This profile covers Public Investing self-directed brokerage and its HYCA subaccount. Crypto uses Zero Hash, 6-month Treasury bills use Jiko, and Direct Indexing or Generated Assets can involve advisory arrangements with separate terms. See the Public fee schedule for your country.
Key features
Stocks and fractional shares
Buy eligible US equities and supported fractional positions.
Approved options access
Trade eligible listed contracts after approval.
Bonds and cash products
Access supported fixed income and a separate eligible High-Yield Cash account.
Recurring Investment Plans
Schedule purchases across up to 20 symbols.
Account documents
Download available tax records.
Broker details
Account and availability
Available in 1 countryPrimary brokerage
Available in 1 countryHigh-Yield Cash
AccountPrimary brokerage
Individual cash or margin brokerage, Traditional and Roth IRA · USD base currency · No opening minimum stated on the reviewed official account page
AccountHigh-Yield Cash
Secondary cash-only brokerage account with bank sweep · USD base currency · $0 opening minimum
Cash and trading
Interest on uninvested cashPrimary brokerage
0% on free credit balances
Interest on uninvested cashHigh-Yield Cash
3.30% variable APY
Deposits
Standard ACH $0
Same-owner ACH bank link, debit card where eligible, wire or internal Public transfer · ACH generally has a 3-business-day hold; larger deposits can take longer
Withdrawals
ACH $0; instant fee shown before confirmation
Standard ACH or eligible instant withdrawal · Standard ACH generally takes 3 to 5 business days
Fractional sharesPrimary brokerage
Limited availability
Eligible U.S. stocks and ETFs · $5 buy or sell minimum, or sell the full remaining position
Fractional sharesHigh-Yield Cash
Not available
Cash only · Not applicable
Tax support · United StatesPrimary brokerage
Country tax report provided
Tax support · United StatesHigh-Yield Cash
Country tax report provided
Regulation and protection
Open to the Public Investing, Inc.
SEC and FINRA; member SIPC · CRD 127818
Securities Investor Protection Corporation (SIPC) · $500,000, including a $250,000 cash limit
Covers missing eligible brokerage assets after Public or Apex insolvency, not market loss. Apex excess insurance is subject to a $150 million aggregate and customer sublimits.
High-Yield Cash Account FDIC bank sweep · Up to $5,000,000 total; $250,000 per partner bank
Coverage begins after cash reaches partner banks and is aggregated with same-capacity deposits at each bank. Unswept cash remains subject to SIPC instead.
Source-checked · Reviewed Aug 23, 2026 · Official sources: Open to the Public Investing broker report, Public brokerage account types, High-Yield Cash Account terms, Who can create an account, Public fee schedule, What is changing from Premium to Reserve, Public SIPC FAQ, Public High-Yield Cash Account, Public deposit and withdrawal limits, Fractional shares on Public, Public tax document schedule
FAQ
Is Public.com free?
Public.com 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 Public.com best for?
It suits beginner, intermediate, and advanced users.
What platforms and connections does Public.com support?
You can use Public.com on Web and Mobile. Public.com offers an API.
Which markets does Public.com cover?
Public.com covers North America. It tracks Stocks, ETFs, Options, and Bonds. Identifiers include Ticker and CUSIP.
Tool details
Highlights
- Domain rating75: Ahrefs scores how strong a site's backlinks are, from 0 to 100. A high score usually means an established site that many others cite and trust.
Domain Rating by Ahrefs
Asset types
- Stocks
- ETFs
- Options
- Bonds
Coverage regions
Alternatives
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Comparisons
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Curation & Accuracy
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.