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Public.com
pubtrack.coSummary
Public.com is an investment platform that allows users to invest in a variety of assets including stocks, bonds, crypto, and ETFs. It offers commission-free trading for certain assets and provides a high-yield cash account. The platform also includes AI-powered analysis and tools to help users manage their investments.
Feature Matches2/12
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Must Have
2 of 5
Commission-Free Stock Trading
Bitcoin Trading
Instant P2P Transfers
Prepaid Debit Card (Cash App Card)
Early Direct Deposit
Other
0 of 7
Fraud Monitoring & Security
High-Yield Savings
Round-Up Savings
Pay Over Time (Afterpay)
Instant Discounts & Offers
Customizable Card Designs
ATM Access & Fee Reimbursement
PricingTiered
See allTiered
Free Tier
$0.00 one time
- US-listed stocks and ETFs - trades during regular market hours ($0)
- High-Yield Cash Account (4.1% APY)
- Electronic delivery of account statements, trade confirmations, prospectuses, and tax forms
- Account maintenance ($0)
- Incoming ACH transfers ($0)
- Incoming wire transfers ($0)
- Incoming ACAT transfers ($0)
- $2.99 per trade for extended market hours and OTC stocks
- No options trading rebates
- Higher fees for index options ($0.50 per contract)
- Higher crypto transaction fees
- Bond Account monthly maintenance fee of $3.99
- Higher fees for Investment Plans (e.g., $0.49 for 1-3 stock/ETF symbols)
- Inactivity fee of $3.99/month for accounts < $70 and no activity over 6 months
Public Premium (Monthly)
$10.00 monthly
- US-listed stocks and ETFs - trades during regular market hours ($0)
- US-listed stocks and ETFs - trades during extended market hours ($0)
- OTC stocks ($0)
- Options (Stocks & ETF’s) ($0) with rebates
- Options (Index Options) ($0.35 per contract)
- High-Yield Cash Account (4.1% APY)
- Bond Account Monthly Maintenance Fee ($0)
- Investment Plans ($0 for stocks/ETFs, 1.25% for crypto)
- Enhanced trading features, advanced data and analysis, portfolio management tools
Public Premium (Annual)
$96.00 yearly
Popular- US-listed stocks and ETFs - trades during regular market hours ($0)
- US-listed stocks and ETFs - trades during extended market hours ($0)
- OTC stocks ($0)
- Options (Stocks & ETF’s) ($0) with rebates
- Options (Index Options) ($0.35 per contract)
- High-Yield Cash Account (4.1% APY)
- Bond Account Monthly Maintenance Fee ($0)
- Investment Plans ($0 for stocks/ETFs, 1.25% for crypto)
- Enhanced trading features, advanced data and analysis, portfolio management tools
Treasury Account
Custom
- Investment advisory services for Treasury Accounts
- Access to US Treasury Bills
- Tiered annual advisory fee (e.g., 0.29% on first $25,000, decreasing for higher tiers)
- Brokerage fees including mark-ups for Treasury Bond transactions
Margin Account
Custom
- Increased buying power for investments
- Margin interest rates apply (e.g., FFTR + 5% for up to $10,000)
- Increases level of risk and potential for magnified losses
Bond Account
$3.99 monthly
- Diversified portfolio of investment-grade and high-yield bonds
- Lock in yield (yield to worst)
- Monthly maintenance fee of $3.99 for Non-Premium Members
- Fees per $100 of par value for Treasury Bonds ($0.100 - $0.250) and Corporate Bonds ($0.350 - $0.500)
- Yield is not guaranteed and can be less if bonds are sold before maturity or issuer defaults
Crypto Trading
$0.49 per use
- Buy, sell, and hold cryptocurrencies
- Tiered transaction fees (e.g., $0.49 for $0.01-$10, up to 1.25% for orders over $500.01)
- Subject to crypto network fees for transfers
Rationale
Public.com is primarily an investing platform that offers commission-free stock trading and bitcoin trading, which directly align with the must-have features. It also offers a high-yield cash account, matching the 'High-Yield Savings' feature. However, it does not offer peer-to-peer transfers, a prepaid debit card, or early direct deposit, which are core to the Cash App concept.
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See allBest alternatives to [Product] in 2024?
Reddit·tech_enthusiast·2d ago·+142
I've been using Alternative A for 6 months now and it's been fantastic. The pricing is much better and the features are actually more robust than what [Product] offers.
Show HN: We built a better [Product]
Hacker News·startup_founder·5d ago·+89
After struggling with [Product]'s limitations, we decided to build our own solution.
It handles edge cases much better and the API is actually documented properly.
Check it out at our site.
[Product] vs Competitor B - which one should I choose?
Reddit·confused_buyer·Oct 14·+67
Honestly, after trying both, Competitor B wins hands down. Better customer support, cleaner interface, and they don't nickel and dime you for every feature.
Why we migrated away from [Product]
Hacker News·cto_mike·Oct 11·+234
The breaking point was when they changed their API without notice. We lost 3 days of productivity. Solution C has been rock solid for us since we switched.