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Charles Schwab vs Public.com 2025

StockBrokers.com

Written by StockBrokers.com

July 03, 2025

In this head to head comparison of Charles Schwab vs Public.com, we will compare the trading platforms, mobile apps, range of investments, costs, market research, and more. Let's dive in.

Charles Schwab
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5/5 Stars Overall
  • Minimum Deposit: $0.00
  • Stock Trades: $0.00
  • Options (Per Contract): $0.65
Public.com
3.5/5 Stars Overall
  • Minimum Deposit: $20.00
  • Stock Trades: $0.00 info
  • Options (Per Contract): $0.00 info

Range of investments

When weighing Charles Schwab against Public.com, Charles Schwab shines in its expansive range of investment options, boasting a 5-star rating for its investment variety compared to Public.com's 3.5 stars. Ranked #2 out of 14 brokers by StockBrokers.com for its impressive range of offerings, Schwab provides access to stock, margin, and options trading, along with mutual funds, forex, futures, and traditional retirement accounts like Traditional and Roth IRAs. In contrast, Public.com notches a #13 spot, offering stock, margin, and options trading, alongside the unique feature of crypto trading with 22 available coins, but lacks in mutual funds and retirement-focused accounts.

Both brokers facilitate stock and margin trading and offer fractional share trading to accommodate investors of varying capital levels. However, if exploring over-the-counter (OTC) stocks and mutual funds is a priority, Charles Schwab rises to the occasion, offering both. Conversely, Public.com stands out for crypto enthusiasts with a selection of 22 coins, a domain where Charles Schwab does not participate. For those seeking forex and futures trading, Charles Schwab provides opportunities absent at Public.com, steering it as the better choice for comprehensive market engagement.

Further tipping the scales, Charles Schwab supports investors looking for traditional and Roth IRA accounts and advisor services, making it a reliable partner for long-term financial planning. Public.com, while lacking these retirement and advisory options, appeals to investors interested in a streamlined, digital-first approach, particularly those willing to engage with cryptocurrency. Ultimately, if diversity in investment avenues and comprehensive account options are key to your investment strategy, Charles Schwab's offerings are noteworthy compared to Public.com’s more niche-focused approach.

Feature Charles Schwab logoCharles Schwab
Public.com logoPublic.com
Stock Trading info Yes Yes
Account Feature - Margin Trading info Yes Yes
Fractional Shares (Stocks) info Yes Yes
OTC Stocks info Yes Yes
Mutual Funds info Yes No
Options Trading info Yes Yes
Futures Trading info Yes No
Crypto Trading info No Yes
Crypto Trading - Total Coins info 0 22
Range of Investments 5/5 Stars 3.5/5 Stars

Dive deeper: Best Options Trading Platforms for 2025, Best Futures Trading Platforms for 2025: A Beginner-Friendly Guide to an Advanced Market

Trading platforms and tools

When comparing trading platforms and tools, Charles Schwab emerges as the clear leader, offering a comprehensive suite of features and receiving a five-star rating for its trading platforms from StockBrokers.com. Meanwhile, Public.com lags significantly behind with a two-star rating, ranking 14th out of 14 brokers for its offerings. Schwab provides a wide array of advanced tools, including desktop platforms for Windows and Mac, along with an impressive 374 technical indicators for charting. In contrast, Public.com offers a more basic experience, lacking desktop platforms and advanced charting tools and customization options.

Charles Schwab's trading platform is available as a downloadable application for both Windows and Mac users, as well as through a browser-based interface. In terms of charting, traders with Schwab benefit from the ability to use numerous drawing tools, display historical trades, corporate events, and create custom studies. Additionally, Schwab provides paper trading and a trading journal, which are absent in Public.com's offerings. The standout features like the capacity to adjust open orders directly on stock charts and an extensive watch list with 580 columns speak volumes about Schwab's capabilities.

In contrast, Public.com offers a more simplified, browser-based platform that serves basic needs but falls short on more sophisticated trading tools. It lacks many advanced features such as paper trading, a trading journal, and the ability to add notes to charts. The pared-down offering of three watch list columns and no technical indicators or drawing tools limits the customization available for traders. While Public.com caters to those seeking a minimalistic approach, Charles Schwab's extensive features cater to traders looking for comprehensive analytical tools for enhanced trading strategies.

Feature Charles Schwab logoCharles Schwab
Public.com logoPublic.com
Web Trading Platform info Yes Yes
Desktop Trading Platform info Yes No
Desktop Platform (Mac) info Yes No
Paper Trading info Yes No
Watch Lists - Total Fields info 580 3
Charting - Indicators / Studies info 374 0
Charting - Drawing Tools info 24 0
Platforms & Tools 5/5 Stars 2/5 Stars

Dive deeper: Best Online Brokers & Trading Platforms for 2025, Best Paper Trading Apps & Platforms for 2025

Featured Offers


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Beginners and education

Charles Schwab and Public.com are two popular online platforms offering educational resources to help beginner investors. While both provide educational material on stocks, ETFs, and options, Charles Schwab extends its offerings into mutual funds and bonds, giving investors a wider range of topics to explore. Schwab also integrates paper trading, allowing users to practice and hone their skills without financial risk. Beyond reading materials, both platforms incorporate videos and webinars into their educational tools, but Schwab further stands out by offering quizzes for interactive learning and features to track learning progress. Schwab’s extensive education platform has earned it a 5-star rating and the top ranking out of 14 brokers by StockBrokers.com. In contrast, Public.com, which offers a simpler educational package, receives a 3.5-star rating, ranking 11th in the same report.

For beginner investors focusing on comprehensive learning, Charles Schwab surpasses Public.com with its broad array of topics, learning tools, and interactive features. Besides stock, ETF, and options education available on both platforms, Schwab uniquely offers materials on mutual funds and bonds. Notably, Public.com lacks an option for paper trading and quizzes, and it doesn’t track users’ educational progress, which can be crucial for those seeking thorough guidance. Therefore, for individuals aiming for an inclusive and engaging learning experience, Charles Schwab’s top-tier education service provides an unmatched foundation for gaining investing knowledge and skills.

Feature Charles Schwab logoCharles Schwab
Public.com logoPublic.com
Education (Stocks) info Yes Yes
Education (ETFs) info Yes Yes
Education (Options) info Yes Yes
Education (Mutual Funds) info Yes No
Education (Fixed Income) info Yes No
Paper Trading info Yes No
Videos info Yes Yes
Webinars info Yes Yes
Education 5/5 Stars 3.5/5 Stars

Dive deeper: Best Stock Trading Platforms for Beginners of 2025

Stock trading apps

When comparing stock trading apps, Charles Schwab clearly stands out with a top-rated 5-star experience, ranked #1 by StockBrokers.com, while Public.com follows with a respectable but lower 3.5-star rating, placing it at the 14th spot. Both apps are available on iPhone and Android, though Schwab extends its functionality to the Apple Watch, which is not supported by Public.com. For mobile after-hours stock trading, while Schwab offers this service, Public.com's capabilities are not clear.

Charles Schwab offers a more dynamic trading environment with features like streaming quotes, live TV, on-demand videos, stock alerts, and the ability to create and customize watch lists. In contrast, Public.com lacks these features, which might limit the trading experience for some investors. Both platforms support options trading and allow users to customize watch list columns, but Schwab far surpasses Public.com with its robust charting capabilities, offering 373 technical studies compared to none by Public.com. Both apps, however, provide the ability to view charts in multiple time frames and display stock comparisons, although only Schwab supports landscape chart viewing.

For traders focusing on detailed analytics and broader market engagement, Charles Schwab provides a comprehensive suite of tools and resources. Public.com, while simpler and potentially more intuitive for beginners, might not satisfy those in search of an in-depth trading platform. Charles Schwab's extensive offerings and high user ratings make it the preferred choice for both seasoned traders and newcomers seeking a well-rounded mobile trading experience.

Feature Charles Schwab logoCharles Schwab
Public.com logoPublic.com
iPhone App info Yes Yes
Android App info Yes Yes
Apple Watch App info Yes No
Stock Alerts info Yes No info
Charting - After-Hours info No No
Charting - Technical Studies info 373 0
Mobile Trading Apps 5/5 Stars 3.5/5 Stars

Dive deeper: Best Stock Trading Apps for 2025

Fees

When comparing Charles Schwab and Public.com, each online broker presents its own unique advantages based on account fees and charges, making them suitable for different types of investors. Charles Schwab stands out with its $0.00 minimum deposit requirement, attracting beginners with limited starting capital. On the other hand, Public.com offers commission-free options contracts, which could be highly beneficial for investors interested in trading options without incurring additional costs.

In terms of account-specific fees, Charles Schwab charges $0.65 per options contract, while Public.com allows options trading without any fees, making it more appealing for options traders. However, Public.com has a higher minimum deposit of $20.00, which may be a consideration for those just starting their investment journey. Regarding margin loan rates, Public.com generally offers lower rates compared to Charles Schwab, particularly for balances below $100,000, where Public.com's rates range from 6.75% to 8.75%, while Charles Schwab's rates are notably higher.

Examining additional fees, both platforms offer free regular stock trades and charge no fees for IRA accounts annually, but their policies differ when it comes to account transfers and IRA closures. Charles Schwab appeals to IRA investors with no closure fees, whereas Public.com imposes a $150 fee. For account transfers, both partial and full, Public.com has a higher charge of $100, contrasting with Schwab's $0.00 for partial transfers and $50 for full transfers. Taking these factors into account can help investors select the broker that best aligns with their financial strategies and investment goals.

Feature Charles Schwab logoCharles Schwab
Public.com logoPublic.com
Minimum Deposit info $0.00 $20.00
Stock Trades info $0.00 $0.00 info
Options (Per Contract) info $0.65 $0.00 info
Options Exercise Fee info $0.00 $0.00
Options Assignment Fee info $0.00 $0.00
IRA Annual Fee info $0.00 $0.00
IRA Closure Fee info $0.00 $150.00

Dive deeper: Best Free Trading Platforms for 2025

Day Trading

When comparing Charles Schwab and Public.com for day trading, Charles Schwab stands out with a comprehensive suite of features that cater to active traders. Schwab offers streaming time and sales for stocks, streaming live TV, direct market routing, and ladder trading, all crucial tools for serious day traders. Additionally, users can benefit from trading hotkeys for quick keyboard entry and access to level 2 quotes, which provide deeper insights into stock prices. Charles Schwab also supports both basic and advanced strategy backtesting, allowing traders to simulate strategies against historical data for more informed decision-making. The inclusion of a short locator tool offers real-time availability of shares for short-selling, enhancing the platform's appeal for those involved in more complex trading tactics. However, it's noteworthy that neither platform offers order liquidity rebates.

In contrast, Public.com provides a more simplified offering that might appeal to casual investors rather than those needing sophisticated trading tools. The absence of features like streaming time and sales, live TV, direct market routing, ladder trading, and trading hotkeys means that Public.com might not serve the needs of traders seeking immediate and precise trading execution. For those who prioritize access to level 2 quotes or want to test their trading strategies through backtesting, Public.com may not be ideal. Furthermore, without a short locator tool, traders who utilize short-selling strategies may find themselves at a disadvantage. Thus, for day traders requiring a variety of advanced features to maximize their trading efficiency and insights, Charles Schwab emerges as a more equipped choice compared to Public.com.

Feature Charles Schwab logoCharles Schwab
Public.com logoPublic.com
Streaming Time & Sales info Yes No
Streaming TV info Yes No
Direct Market Routing - Equities info Yes No
Level 2 Quotes - Stocks info Yes No
Trade Ideas - Backtesting info Yes No
Trade Ideas - Backtesting Adv info Yes No
Short Locator info Yes No

Dive deeper: Best Day Trading Platforms for 2025

Market Research

When it comes to market research capabilities, Charles Schwab clearly takes the lead over Public.com. Offering a comprehensive suite of tools and resources, Schwab excels with detailed reports and analysis across a range of investment types, from stocks and ETFs to mutual funds and bonds. In contrast, Public.com's market research services are limited, lacking in several key areas such as mutual funds and bonds research, as well as downloadable PDF reports.

Charles Schwab provides a significantly broader scope in research offerings, supporting investors with tools such as stock and ETF screeners, access to downloadable reports, insights into portfolio allocation by asset class, and social media sentiment data. Furthermore, Schwab offers Environmental, Social, and Governance (ESG) research that appeals to socially conscious investors. Conversely, Public.com does not extend beyond basic stock and ETF research, lacking these advanced features which limits the depth of analysis available to investors.

In terms of ratings and rankings, Charles Schwab shines with a perfect 5-star rating for market research from satisfied users and ranks #1 out of 14 brokers on StockBrokers.com. Public.com, however, falls short with a 2-star rating and places at a lower rank of #12. Schwab's impressive market research capabilities offer a strong value proposition for those seeking a well-rounded and insightful investment experience.

Feature Charles Schwab logoCharles Schwab
Public.com logoPublic.com
Research - Stocks info Yes Yes
Screener - Stocks info Yes No
Research - ETFs info Yes Yes
Screener - ETFs info Yes No
Research - Mutual Funds info Yes No
Screener - Mutual Funds info Yes No
Research - Fixed Income info Yes No
Screener - Fixed Income info Yes No
Research 5/5 Stars 2/5 Stars

Banking

When comparing the banking capabilities of online brokers Charles Schwab and Public.com, Schwab provides a much broader range of services. Charles Schwab offers checking and savings accounts, catering to those looking for traditional banking options alongside investing. Additionally, Schwab supplies customers with debit and credit cards, adding more convenience for everyday transactions. Moreover, Schwab includes mortgage loans and certificate of deposits (CDs) in their offerings, giving users an opportunity to diversify their financial strategy. In contrast, Public.com focuses solely on investment services and doesn't offer banking features like checking or savings accounts, debit or credit cards, mortgage loans, or CDs. Therefore, for users seeking comprehensive banking and investment services from one platform, Charles Schwab presents a more complete solution, while Public.com remains a choice for investment-only purposes.

Feature Charles Schwab logoCharles Schwab
Public.com logoPublic.com
Checking Accounts info Yes No
Savings Accounts info Yes No
Debit Cards info Yes No
Credit Cards info Yes No
Mortgage Loans info Yes No
Brokerage CDs info Yes No

Dive deeper: Best Brokerage Checking Accounts for 2025

Winner

After opening live accounts and testing 14 of the best online brokers, our research and live account testing finds that Charles Schwab is better than Public.com. Charles Schwab finished with an overall score of 99.2%, while Public.com finished with a score of 69.6%.

With the addition of TD Ameritrade's thinkorswim platforms and the enhancement of several features, Schwab is now a vigorous competitor with thought-provoking research and commentary and a client experience to fit any preference.

FAQs

Can you trade cryptocurrency with Charles Schwab or Public.com?

In the realm of crypto trading, Public.com stands out by offering 22 different coins, while Charles Schwab does not provide any crypto trading options.

Dive deeper: Best Online Brokers for Crypto Trading in 2025

Does Charles Schwab or Public.com offer IRAs?

When comparing Charles Schwab to Public.com, Charles Schwab stands out by offering both traditional and Roth IRA accounts with no annual fees or closure fees, while Public.com does not offer IRA accounts and charges a $150 fee for account closure.

Dive deeper: Best IRA Accounts for 2025

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Compare

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Overall Rating Charles Schwab Public.com
Overall 5/5 Stars 3.5/5 Stars
Range of Investments 5/5 Stars 3.5/5 Stars
Platforms & Tools 5/5 Stars 2/5 Stars
Mobile Trading Apps 5/5 Stars 3.5/5 Stars
Research 5/5 Stars 2/5 Stars
Customer Service 4.5/5 Stars N/A
Education 5/5 Stars 3.5/5 Stars
Ease of Use 5/5 Stars 4.5/5 Stars
Winner check_circle
Review Charles Schwab Review Public.com Review
Broker Screenshots Charles Schwab Public.com
Broker Gallery (click to expand)
Trading Fees Charles Schwab Public.com
Minimum Deposit info $0.00 $20.00
Stock Trades info $0.00 $0.00 info
Penny Stock Fees (OTC) info $6.95 $2.99
Mutual Fund Trade Fee info Varies n/a
Options (Per Contract) info $0.65 $0.00 info
Futures (Per Contract) info $2.25 (Not offered)
Broker Assisted Trade Fee info $25 n/a
Margin Rates Charles Schwab Public.com
Margin Rate Under $25,000 info 13.575% 8.75%
Margin Rate $25,000 to $49,999.99 info 13.075% 8.75%
Margin Rate $50,000 to $99,999.99 info 12.125% 6.75%
Margin Rate $100,000 to $249,999.99 info 12.075% 6.75%
Margin Rate $250,000 to $499,999.99 info 11.825% 5.75%
Margin Rate $500,000 to $999,999.99 info Varies info 5.75%
Margin Rate Above $1,000,000 info Varies info 5.75%
Account Fees Charles Schwab Public.com
IRA Annual Fee info $0.00 $0.00
IRA Closure Fee info $0.00 $150.00
Account Transfer Out (Partial) info $0.00 $100.00
Account Transfer Out (Full) info $50.00 $100.00
Options Exercise Fee info $0.00 $0.00
Options Assignment Fee info $0.00 $0.00
Investment Options Charles Schwab Public.com
Stock Trading info Yes Yes
Account Feature - Margin Trading info Yes Yes
Fractional Shares (Stocks) info Yes Yes
OTC Stocks info Yes Yes
Options Trading info Yes Yes
Complex Options Max Legs info 4 0
Futures Trading info Yes No
Forex Trading info Yes No
Crypto Trading info No Yes
Crypto Trading - Total Coins info 0 22
Fixed Income (Treasurys) info Yes Yes
Fixed Income (Corporate Bonds) info Yes Yes
Fixed Income (Municipal Bonds) info Yes No
Traditional IRAs info Yes No
Roth IRAs info Yes No
Advisor Services info Yes No
International Countries (Stocks) info 12 0
Order Types Charles Schwab Public.com
Order Type - Market info Yes Yes
Order Type - Limit info Yes Yes
Order Type - After Hours info Yes Yes info
Order Type - Stop info Yes Yes
Order Type - Trailing Stop info Yes No
Order Type - OCO info Yes No
Order Type - OTO info Yes No
Order Type - Broker Assisted info Yes No
Beginners Charles Schwab Public.com
Education (Stocks) info Yes Yes
Education (ETFs) info Yes Yes
Education (Options) info Yes Yes
Education (Mutual Funds) info Yes No
Education (Fixed Income) info Yes No
Education (Retirement) info Yes Yes
Retirement Calculator info Yes No
Investor Dictionary info Yes Yes
Paper Trading info Yes No
Videos info Yes Yes
Webinars info Yes Yes
Progress Tracking info Yes No
Interactive Learning - Quizzes info Yes No
Stock Trading Apps Charles Schwab Public.com
iPhone App info Yes Yes
Android App info Yes Yes
Apple Watch App info Yes No
Trading - Stocks info Yes Yes
Trading - After-Hours info Yes Yes
Trading - Simple Options info Yes Yes
Trading - Complex Options info Yes No
Order Ticket RT Quotes info Yes Yes
Order Ticket SRT Quotes info Yes No
Stock App Features Charles Schwab Public.com
Market Movers (Top Gainers) info Yes Yes
Stream Live TV info Yes No
Videos on Demand info Yes No
Stock Alerts info Yes No info
Option Chains Viewable info Yes Yes
Watch List (Real-time) info Yes Yes
Watch List (Streaming) info Yes No
Watch Lists - Create & Manage info Yes No
Watch Lists - Column Customization info Yes Yes
Stock App Charting Charles Schwab Public.com
Charting - After-Hours info No No
Charting - Can Turn Horizontally info Yes No
Charting - Multiple Time Frames info Yes Yes
Charting - Technical Studies info 373 0
Charting - Study Customizations info Yes No
Charting - Stock Comparisons info Yes Yes
Trading Platforms Charles Schwab Public.com
Active Trading Platform info thinkorswim info n/a
Desktop Trading Platform info Yes No
Desktop Platform (Mac) info Yes No
Web Trading Platform info Yes Yes
Paper Trading info Yes No
Trade Journal info Yes No
Watch Lists - Total Fields info 580 3
Stock Chart Features Charles Schwab Public.com
Charting - Adjust Trades on Chart info Yes No
Charting - Indicators / Studies info 374 0
Charting - Drawing Tools info 24 0
Charting - Notes info Yes No
Charting - Historical Trades info Yes No
Charting - Corporate Events info Yes No
Charting - Custom Date Range info Yes No
Charting - Custom Time Bars info Yes No
Charting - Automated Analysis info Yes No
Charting - Save Profiles info Yes No
Trade Ideas - Technical Analysis info Yes No
Charting - Study Customizations info 35 0
Charting - Custom Studies info Yes No
Day Trading Charles Schwab Public.com
Streaming Time & Sales info Yes No
Streaming TV info Yes No
Direct Market Routing - Equities info Yes No
Ladder Trading info Yes No
Trade Hot Keys info Yes No
Level 2 Quotes - Stocks info Yes No
Trade Ideas - Backtesting info Yes No
Trade Ideas - Backtesting Adv info Yes No
Short Locator info Yes No
Order Liquidity Rebates info No No
Research Overview Charles Schwab Public.com
Research - Stocks info Yes Yes
Research - ETFs info Yes Yes
Research - Mutual Funds info Yes No
Research - Pink Sheets / OTCBB info Yes Yes
Research - Fixed Income info Yes No
Screener - Stocks info Yes No
Screener - ETFs info Yes No
Screener - Mutual Funds info Yes No
Screener - Fixed Income info Yes No
Portfolio Asset Allocation info Yes No info
Stock Research Charles Schwab Public.com
Stock Research - PDF Reports info 7 0 info
Stock Research - Earnings info Yes Yes
Stock Research - Insiders info Yes No
Stock Research - Social info Yes No
Stock Research - News info Yes Yes
Stock Research - ESG info Yes No
Stock Research - SEC Filings info Yes No
ETF Research Charles Schwab Public.com
ETFs - Investment Objective info Yes Yes
ETF Fund Facts - Inception Date info Yes Yes
ETF Fund Facts - Expense Ratio info Yes Yes
ETF Fund Facts - Total Assets info Yes Yes
ETF Fund Facts - Total Holdings info Yes No
ETFs - Top 10 Holdings info Yes No
ETFs - Sector Exposure info Yes No
ETFs - Risk Analysis info Yes No
ETFs - Ratings info Yes No
ETFs - Morningstar StyleMap info Yes No
ETFs - PDF Reports info Yes No
Mutual Fund Research Charles Schwab Public.com
Mutual Funds - Investment Objective info Yes No
Mutual Funds - Performance Chart info Yes No
Mutual Funds - Performance Analysis info Yes No
Mutual Funds - Prospectus info Yes No
Mutual Funds - 3rd Party Ratings info Yes No
Mutual Funds - Fees Breakdown info Yes No
Mutual Funds - Top 10 Holdings info Yes No
Mutual Funds - Asset Allocation info Yes No
Mutual Funds - Sector Allocation info Yes No
Mutual Funds - Country Allocation info Yes No
Mutual Funds - StyleMap info Yes No
Options Trading Charles Schwab Public.com
Option Chains - Total Greeks info 5 5
Option Analysis - P&L Charts info Yes Yes
Banking Charles Schwab Public.com
Bank (Member FDIC) info Yes No
Checking Accounts info Yes No
Savings Accounts info Yes No
Credit Cards info Yes No
Debit Cards info Yes No
Mortgage Loans info Yes No
Customer Service Charles Schwab Public.com
Phone Support (Prospect Customers) info Yes No
Phone Support (Current Customers) info Yes No
Email Support info Yes Yes
Live Chat (Prospect Customers) info No Yes
Live Chat (Current Customers) info Yes Yes
24/7 Support info Yes No
Overall Charles Schwab Public.com
Overall 5/5 Stars 3.5/5 Stars
Range of Investments 5/5 Stars 3.5/5 Stars
Platforms & Tools 5/5 Stars 2/5 Stars
Mobile Trading Apps 5/5 Stars 3.5/5 Stars
Research 5/5 Stars 2/5 Stars
Education 5/5 Stars 3.5/5 Stars
Ease of Use 5/5 Stars 4.5/5 Stars
Winner check_circle
Review Charles Schwab Review Public.com Review
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