VOL. XCIV, NO. 247

★ FINANCIAL TOOLS & SERVICES DIRECTORY ★

PRICE: 5 CENTS

Monday, November 10, 2025

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Tool Comparison

Cash App vs Wise (Interest & Stocks) comparison

Compare pricing, supported platforms, categories, and standout capabilities to decide which tool fits your workflow.

Quick takeaways

Cash App adds Brokerage, and Portfolio coverage that Wise (Interest & Stocks) skips.

Wise (Interest & Stocks) includes Wealth Management, and APIs & SDKs categories that Cash App omits.

In depth comparison

Cash App logo

Cash App

cash.app

A U.S.-only brokerage (18+) offering $0-commission stock and ETF trading with fractional shares, plus integrated Bitcoin trading and Lightning transfers. Custom trigger-based orders are supported for both stocks and Bitcoin, though they are not traditional limit orders. Tax documents can be downloaded directly from the web Documents portal.

Platforms

MobileWeb

Pricing

Free

Quick highlights

  • Commission-free stock and ETF trading with fractional shares; investing starts at $1.
  • Coverage includes more than 1,800 U.S. stocks and ETFs.
  • Auto Invest lets users schedule recurring purchases of selected stocks or ETFs.
  • Round Ups automatically invest spare change from Cash App Card purchases into a chosen stock, Bitcoin, or savings balance.
  • Custom price-triggered orders for stocks and Bitcoin; these are not limit orders or guaranteed executions.

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Wise (Interest & Stocks) logo

Wise (Interest & Stocks)

wise.com

Investing features vary by country. In the UK/EEA, Interest allocates to government money-market funds; in the US, Interest is a bank program with pass-through FDIC insurance (not an investment). “Stocks” is a single BlackRock iShares World Equity Index mutual fund where available. Settlement speed (instant vs non-instant) and whether you invest from Balances or Jars differ by market. Fees are published per currency; Stocks adds a Wise service fee on top of the fund’s OCF.

Platforms

WebMobileAPI

Pricing

FreeOther

Quick highlights

  • Interest (UK/EEA): balances are invested in government money-market funds; you can spend anytime, but capital is at risk.
  • Stocks: one-fund exposure via BlackRock’s iShares World Equity Index Fund (LU) Class N2 EUR, with currency conversions handled automatically.
  • Transparent Interest service fees shown per currency (e.g., GBP/EUR/USD) and subject to change.
  • Stocks includes a Wise service fee in addition to the fund’s ongoing charges.
  • Availability, access speed (instant vs non-instant), and Balances vs Jars investing differ by country.

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Where they differ

Cash App

Distinct strengths include:

BrokeragePortfolio
  • Commission-free stock and ETF trading with fractional shares; investing starts at $1.
  • Coverage includes more than 1,800 U.S. stocks and ETFs.
  • Auto Invest lets users schedule recurring purchases of selected stocks or ETFs.
  • Round Ups automatically invest spare change from Cash App Card purchases into a chosen stock, Bitcoin, or savings balance.

Wise (Interest & Stocks)

Distinct strengths include:

Wealth ManagementAPIs & SDKs
  • Interest (UK/EEA): balances are invested in government money-market funds; you can spend anytime, but capital is at risk.
  • Stocks: one-fund exposure via BlackRock’s iShares World Equity Index Fund (LU) Class N2 EUR, with currency conversions handled automatically.
  • Transparent Interest service fees shown per currency (e.g., GBP/EUR/USD) and subject to change.
  • Stocks includes a Wise service fee in addition to the fund’s ongoing charges.

Feature-by-feature breakdown

AttributeCash AppWise (Interest & Stocks)
Categories

Which research workflows each platform targets

Shared: Downloadable Tax Reports

Unique: Brokerage, Portfolio

Shared: Downloadable Tax Reports

Unique: Wealth Management, APIs & SDKs

Asset types

Supported asset classes and universes

Stocks, ETFs, Cryptos

Mutual Funds, Currencies

Experience levels

Who each product is built for

Beginner, Intermediate

Beginner, Intermediate, Advanced

Platforms

Where you can access the product

Mobile, Web

Web, Mobile, API

Pricing

High-level pricing models

Free

Free, Other

Key features

Core capabilities called out by each vendor

Unique

  • Commission-free stock and ETF trading with fractional shares; investing starts at $1.
  • Coverage includes more than 1,800 U.S. stocks and ETFs.
  • Auto Invest lets users schedule recurring purchases of selected stocks or ETFs.
  • Round Ups automatically invest spare change from Cash App Card purchases into a chosen stock, Bitcoin, or savings balance.
  • Custom price-triggered orders for stocks and Bitcoin; these are not limit orders or guaranteed executions.
  • Bitcoin trading is fully integrated, with send/receive support via the Lightning Network — typically instant and free during trading hours.

Unique

  • Interest (UK/EEA): balances are invested in government money-market funds; you can spend anytime, but capital is at risk.
  • Stocks: one-fund exposure via BlackRock’s iShares World Equity Index Fund (LU) Class N2 EUR, with currency conversions handled automatically.
  • Transparent Interest service fees shown per currency (e.g., GBP/EUR/USD) and subject to change.
  • Stocks includes a Wise service fee in addition to the fund’s ongoing charges.
  • Availability, access speed (instant vs non-instant), and Balances vs Jars investing differ by country.
  • US Interest: opt-in bank program with pass-through FDIC insurance via partner banks—classified as a banking feature, not an investment product.
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Frequently Asked Questions

Which workflows do Cash App and Wise (Interest & Stocks) both support?

Both platforms cover Downloadable Tax Reports workflows, so you can research those use cases in either tool before digging into the feature differences below.

Do Cash App and Wise (Interest & Stocks) require subscriptions?

Both Cash App and Wise (Interest & Stocks) keep freemium access with optional paid upgrades, so you can trial each platform before committing.

How can you access Cash App and Wise (Interest & Stocks)?

Both Cash App and Wise (Interest & Stocks) support web and mobile access, making it easy to keep tabs on research away from the desk.

What unique strengths set the two platforms apart?

Cash App differentiates itself with Commission-free stock and ETF trading with fractional shares; investing starts at $1., Coverage includes more than 1,800 U.S. stocks and ETFs., and Auto Invest lets users schedule recurring purchases of selected stocks or ETFs., whereas Wise (Interest & Stocks) stands out for Interest (UK/EEA): balances are invested in government money-market funds; you can spend anytime, but capital is at risk., Stocks: one-fund exposure via BlackRock’s iShares World Equity Index Fund (LU) Class N2 EUR, with currency conversions handled automatically., and Transparent Interest service fees shown per currency (e.g., GBP/EUR/USD) and subject to change..

Keep exploring

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Stay on top of related tools

Browse the categories and profiles that overlap most with this comparison to round out your shortlist.

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.