Public.com: Fees, Features, and More (2026)

Public.com emphasizes accessible, community‑oriented investing: fractional shares make portfolio building easy, and options trade with no contract fees. The platform layers in crypto trading (starting around 1.25 %), plus bonds and CDs—all managed through a streamlined web and mobile interface. While mutual funds are absent and payment‑for‑order‑flow is accepted, margin and IRA accounts are available, and investors can get started with as little as $20.

Detailed feature breakdown for Public.com brokerage (2026)
Feature
Website https://www.public.com/
Broker Type Discount (self-directed online retail brokerage)
Trading: Stock & ETF? Yes
ETF & Stock commission $0 regular hours (US-listed); $2.99 extended/OTC (waived for Premium)
Fractional Shares? Yes ($5 min outside plans; $1 in Investment Plans)
Percent Allocations? Yes (Investment Plans: custom 1% allocations; Direct Indexing weighting)
Crypto Trading? Yes (via zerohash; 60+ assets including BTC/ETH; 24/7; $1 min).
Crypto Fees zerohash: $0.49–$6.29 (≤$500); 1.25% (>$500). Recurring plans 1.25%. API volume-tiered (0.10–0.60%).
Options Trading? Yes (stock, ETF, and index options; multi-leg strategies).
Options Fee $0 commission/per-contract for stock/ETF options plus $0.06–$0.18 rebate/contract. Index: $0.35–$0.50/contract. Regulatory fees apply.
Bond Trading Available? Yes (fractional Treasury/corporate from $100; Bond Account; municipals coming soon).
Receives payment for order flow (PFOF)? Yes (receives PFOF on options and wholesale equity routing).
Interface: Web trading? Yes (full web platform plus iOS/Android apps).
Desktop trading? No. Web platform and mobile apps only; no native downloadable desktop trading software.
API Trading? Yes. Public Trading API (stocks, ETFs, options, crypto, bonds) available to all members; no approval required.
Mutual Funds: Offered? No
Total Mutual Funds None
NTF Mutual Funds None
Non-NTF Fund Fee N/A
Early Redemption Fee? N/A
Redemption Hold (Days) N/A
Early Redemption Fee N/A
Accounts: Margin Accounts? Yes
IRAs Offered? Yes (Traditional and Roth); no SEP
HSAs Offered? No
Money Market Sweep? Yes (High-Yield Cash Account bank sweep)
CDs Offered? No
Robo-Advisor: Offered Yes, via Public Advisors LLC automated Direct Indexing, Generated Assets, and Treasury Accounts.
Robo-Advisor Service Public Advisors (Direct Indexing, Generated Assets, Treasury Accounts)
Robo-Advisor Fees Direct Indexing 0.19% AUM annual; Generated Assets 0.49%; Treasury Accounts tiered 0.09%-0.29%. Brokerage fees may apply.
Basics: Headquarters New York, NY
Year Founded 2019
Clearing Firm Apex Clearing Corporation
Local Branches? No
New Account Minimum $0 (no account minimums; as little as $1 to start)

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