Public - Stocks/Bonds/Crypto 4+

All-in-one investing

Open to the Public Investing, Inc.

    • Free



Invest in stocks, bonds, Treasuries, crypto, ETFs, and alternatives with AI-powered data and analysis. Plus, grow your savings at 5.1% APY with a high-yield cash account.

Research, build, and execute options trading strategies with the only investing platform that shares 50% of its options revenue directly with you.

No fees. No subscription. No minimums or maximums. Earn an industry-leading 5.1% APY* with up to $5M FDIC insurance—that’s 20x the standard coverage.

Easily access thousands of different bonds—corporate, Treasuries, and municipal bonds coming soon.

Ask any question about any stock or bond, analyze assets in incredible detail, and get real-time investment context with Alpha, our proprietary layer of AI.

Guide your technical analysis with advanced charts.
Dig deeper into companies you care about with unique KPIs.
Evaluate multiple assets at once with our Compare tool.
Compare current and historical analyst ratings.
Dive into 3 years’ worth of earnings calls, decks, and reports.
Listen to daily audio shows about the latest financial news.

See the cost basis for every asset in your portfolio.
Compare your portfolio with a Morningstar benchmark.
Access pre-market and after-hours trading sessions.
Get the flexibility to link multiple bank accounts to Public.
Schedule recurring investments with an Investment Plan.

Public © 2023 Investors First (TM)
“Public” means Public Holdings, Inc. and its affiliates.
Public is available to U.S. residents 18+ and is subject to account approval.
All investing involves the risk of loss, including loss of principal. Brokerage services for US-listed, registered securities, options and bonds in a self-directed account are offered by Open to the Public Investing, Inc., member FINRA & SIPC. Brokerage services for alternative assets are offered by Dalmore Group, LLC, member FINRA & SIPC. Cryptocurrency trading services are offered by Bakkt Crypto Solutions, LLC (NMLS ID 1828849), which is licensed to engage in virtual currency business activity by the NYSDFS. Cryptocurrency is highly speculative, involves a high degree of risk, and has the potential for loss of the entire amount of an investment. Cryptocurrency holdings are not protected by the FDIC or SIPC. Brokerage services for treasury accounts offering 6-month T-Bills are offered by Jiko Securities, Inc., member FINRA & SIPC. Banking services are offered by Jiko Bank, a division of Mid-Central National Bank.
ETFs, Bonds through Public Investing, options, alternative assets, cryptocurrency, and treasury services in Jiko treasury accounts are available to US members only.
See for more information.
A High-Yield Cash Account is a secondary brokerage account with Public Investing. Funds from this account are automatically deposited into partner banks where they earn a variable interest and are eligible for FDIC insurance. Neither Public Investing nor any of its affiliates is a bank. US only. Learn more at
*As of 12/19/2023. Annual Percentage Yield (APY) is variable and may change without notice.
Options are not suitable for all investors and carry significant risk. Prior to buying or selling an option, investors must read and understand the options disclosure document (ODD) found at:
Supporting documentation for any claims will be furnished upon request.
Alpha is an artificial intelligence investment exploration tool powered by GPT-4—a generative large language model offered by OpenAI. Any material generated by Alpha is not and should not be construed as investment research, advice, or a recommendation to buy or sell a security, nor should the information provided serve as the exclusive basis for any investment decisions.

Public Holdings Inc
228 Park Avenue South
Suite 97716
New York, NY 10003

What’s New

Version 4.9.6

Options trading has arrived on Public. Earn $0.18 per contract traded with no commissions or per-contract fees. It's the most cost-effective way to trade options.

Also in this release:

- Earn an industry-leading 5.1% APY with a high-yield cash account on Public.
- Find, evaluate, and buy bonds with an investing experience designed this century.

Loving Public?
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Ratings and Reviews

4.7 out of 5
68.1K Ratings

68.1K Ratings

Jtf199876 ,

Must have for millennials

First off, I have never left a review before even though I’m glued to my phone all day. I downloaded the public app a few weeks ago. My account was not approved instantly (typo on my part, I found out later) and after a few days I emailed the support team and asked for help. They responded in like, an hour, gave me instructions to get trading, and was then approved right away.
Anyone under 40 with disposable income should, IMO, be investing directly investing in the market instead of relying on 401ks and other group plans. This app lays out all the info in a very intuitive fashion and within a week I was able to, with ZERO prior knowledge, navigate the app effectively, and the community of investors on the app are a fantastic source of investing advice.

This is not a day trading app and the various transactions can take time, but by keeping money in your account without spending it allows you to execute buy and sell orders quickly, though the money may take a few days to get back to your public account. I am usually able to make two transactions per stock, per week, which is more than enough to react to any big market changes. The fact that you can invest whatever amount you want is huge. Amazon’s stock at $2.5k may be too much, but Public allows you to purchase slices of stock in increments as low as $5.
I would HIGHLY recommend this to anyone with some extra cash and half a brain.

Developer Response ,

Hey Jtf199876! Thank you so much for your incredibly thoughtful review! It is so great to hear that you are loving the app! The entire team is thrilled to hear that the app has been helpful for your investing journey and that you are loving the community! We truly are so grateful for the awesome, growing community and are so happy to have you on the team! We would love to chat more with you, so please give us a shout in the app or via email at It mean's so much to us that you took the time to share this and we've always got your back! 💪 Happy investing 🤗

Papas89 ,

You will not get your money if you cash out it takes a few days maybe a couple weeks

So now I’m afraid to cash out because I’m not gonna be able to get my money when I need it takes a long time for them to give me your money back that if you get it back the full amount hopefully they improve instead of waiting it don’t make sense when you can just deposit money quick and easy but you can’t get your money quick and easy that doesn’t make sense I would understand one day or two but five days six days a week sometimes that’s really tough right now we’re living in tough times people need money now that be nice if they can approve this and you’re able to cash out your money when you need it and there’s hidden fees to it’s hard to get a hold of them takes about 24 hours by time you hear from them it would be nice to cash out your money ASAP just like we put money in this app it should be the same take out the money like the other apps The other apps let you cash out the same day I just never understand that maybe he hast to go through seven different people until he gets approved I don’t know they need to work on this

Developer Response ,

Thank you for the review and feedback. There are federal regulations that require funds to settle. This timeline can range from 2 to 7 business days depending on where the funds came from. You'll always know your funds are available for withdrawal when they appear in the "Withdrawable Cash" portion of your portfolio. We're always here to help; if you ever have any questions, we're here for you via the in-app chat or by email at!

katedgrate ,

good app but customer reps need improvement

I downloaded this app because of Graham Stephen. I enjoy the interactivity of the app as well as getting live updates and having all the stock news streamlined and easily available. I made the error of transferring my original brokerage to Public. I had emailed customer support to cancel the transfer but they replied saying it was too late and that the transfer had already cleared. I submitted a recall of my positions at least 2-3 times and all I got were replies that they would be contacting their clearing firm. Unfortunately it seems like they do not have clear communication with their clearing firm which is Apex. They kept telling me to contact my own brokerage to see if “my account was clear to receive the recall.” This kept up for at least 3-4 weeks and emailing them and only getting a reply it will be back in my account from 7-10 business days. My brokerage had not received any transfer request whatsoever. I ended up having to manually request a transfer from my original brokerage account as the Public team was no help and kept me in a loop around. I do not recommend you transfer all your accounts to this platform as customer service doesn’t have any idea of what goes on with their clearing firm. Use it with some money you have to play around but not your whole entire portfolio. They will keep your money hostage like other previous reviewers have said.

Developer Response ,

Hey there! Thank you so much for your candid feedback. We are sorry to hear that this has been your experience so far. We would love to look into this further, would you mind giving us a shout in the app's live chat or via email at

We have shared your feedback with the team and we are always striving to improve and really appreciate it whenever you have time to reach out and let us know how we're doing!

App Privacy

The developer, Open to the Public Investing, Inc., indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Linked to You

The following data may be collected and linked to your identity:

  • Contact Info
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  • Usage Data
  • Diagnostics

Privacy practices may vary, for example, based on the features you use or your age. Learn More


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