# Public: Invest & Trade — Stocks, Crypto, Options, Bonds

> Multi-asset investment platform for stocks, crypto, options, and bonds. (iPhone/iPad app by Open to the Public Investing, Inc..)

- Source: https://appshunter.io/ios/app/public-invest-and-trade/id1204112719 (this page in markdown: same URL + `.md`)
- Developer: [Open to the Public Investing, Inc.](https://appshunter.io/developer/1204112718)
- Category: Finance, Business
- Price: Free
- Rating: 4.70/5 from 84,595 App Store ratings · 616 written reviews indexed
- Age rating: 4+
- Requires: iOS 16.4 · 219 MB
- Languages: American English
- Released: 2017-03-13
- Data updated: 2026-08-27
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/public-invest-and-trade/id1204112719/reviews.md

## What is Public?

BUILD YOUR MULTI-ASSET PORTFOLIO
On Public, you can invest in stocks, options, bonds, and crypto. Plus, you can build your retirement with a 1% match on your annual IRA contributions.


Public (c) 2026

Public is Available to U.S. residents 18+ and subject to account approval.

All investing involves risk of loss, including loss of principal. Brokerage services for US-listed, registered securities, options and bonds in a self-directed account offered by Public Investing, member FINRA & SIPC. Cryptocurrency trading services offered by Zero Hash LLC (NMLS ID 1699379), licensed to engage in virtual currency business activity by 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 not protected by FDIC or SIPC. Brokerage services for treasury accounts offering 6-month T-Bills offered by Jiko Securities, Inc., member FINRA & SIPC. Banking services offered by Jiko Bank, a division of Mid-Central National Bank.


SECURITIES INVESTMENTS: NOT FDIC INSURED; NO BANK GUARANTEE; MAY LOSE VALUE.

Learn more: public.com/#disclosures-main

Investors must review the Options Disclosure Document (ODD): public.com/ODD. Options are risky and not suitable for everyone. Fee Schedule: public.com/disclosures. Rebate varies from $0.06-$0.18 based on monthly trading volume and subject to change. Terms of the Rebate Program: public.com/disclosures/rebate-terms.


A High-Yield Cash Account is a secondary brokerage account with Public Investing. Funds in 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. Learn more: public.com/disclosures/high-yield-account.

* A Bond Account is a self-directed brokerage account with Public Investing, member FINRA/SIPC and includes 10 investment-grade and high-yield bonds. As of 9/10/25, the average, annualized yield to worst (YTW) across all ten bonds is up to 5%. A bond's YTW is not "locked in" until the bond is purchased and is not guaranteed; you may receive less than the YTW of the bonds in the Bond Account if you sell any of the bonds before maturity or if the issuer defaults on the bond. Bond Accounts are not recommendations of individual bonds or default allocations. Public Investing charges a markup on each bond trade. Learn more: public.com/bond-account.


See terms and conditions of Public's ACATS & IRA Match Program here: public.com/disclosures/matchprogram. Matched funds must remain in the account for at least 5 years to avoid an early removal fee. Match rate and other terms of the Match Program are subject to change at any time. Before requesting a transfer to Public, please consider all fees charged by the delivering brokerage firm and any liquidations required by the delivering firm before the transfer can be completed. Certain assets are not supported by Public and will be ineligible for transfer. Learn more about Public's brokerage account transfers, IRA transfers, and 401(k) rollovers.


Generated Assets ("GenA") is an AI-powered interactive analysis tool. Output from GenA is generated at your direction and is intended for informational purposes only. Output should not be considered individualized investment advice or recommendations. We do not guarantee the accuracy, completeness, relevance, or timeliness of such output and will not be responsible for any losses that may result from your reliance on such information. See additional disclosures.

Supporting documentation furnished upon request.

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

## Key features

- Transfer existing portfolios
- 1% uncapped transfer match
- Invest in stocks, options, bonds, crypto
- Build retirement with IRA contributions
- 1% IRA contribution match
- High-yield cash account
- Bond investing

## What do users think of Public?

Overall sentiment: neutral

**Pros**

- 🚀 Easy to use
- 👍 Great community
- 💡 Innovative features
- 🚀 Smooth interface
- 👍 Helpful customer service

**Cons**

- 🐛 Withdrawal issues
- 🐛 Account freezing problems
- 🐛 Delayed order execution
- 🐛 Inaccurate account information
- 🐛 Unresponsive support

**Commonly reported bugs**

- Incorrect stock ownership display
- Deposit issues and delays
- Unexplained account restrictions
- Inconsistent performance across devices

**Most requested features**

- Add stop loss/take profit options
- Improve chart functionality
- Enable crypto wallet and transfers
- Faster cash withdrawal process
- Provide phone support

## Recent user reviews (10 of 616)

All indexed reviews: https://appshunter.io/ios/app/public-invest-and-trade/id1204112719/reviews.md

### 1/5 — Good and bad

*2026-08-23, version 5.2.2*

I’ve been using it for a year. Good :you can use funds as soon as you authorize a transfer, you have available funds to trade as soon as you sell anything, fees are very low 
Bad: it says that you can withdraw funds as soon that account settles however it doesn’t. The system says it can take up to four days but it’s been a week and nothing . It’s a great research tool however funds management is horrible and very difficult to reach customer service . 
My funds still tide up

### 1/5 — Hello

*2026-08-21, version 5.2.2*

Just be careful and the hidden fees the other accounts the clearing firm

### 5/5 — Best platform

*2026-08-21, version 5.2.2*

It’s one of the best platforms I’ve had. They have a great set up with AI. Great place to invest your money.

### 3/5 — Spreads and Rolling still sucks

*2026-08-21, version 5.2.2*

Rolling defaults to debit even if your option is a credit.

Rolling is a very slow process that sometimes fails. Editing roll and other option limit orders sometimes fails.

Rolling for $0.0 on the web UI is blocked.

Spreads aren’t grouped.

Managing a proper book on this app is so slow and impossible. They won’t fix the basics, but ooh ahh let’s add useless AI…

### 1/5 — Bad

*2026-08-20, version 5.2.1*

This app has unhidden rules an fees they don’t tell you about do not invest I’m switching back over to robinhood there way better

### 5/5 — Pretty Good

*2026-08-19, version 5.2.1*

The app design itself is very nice and UI is very gorgeous imo. Very easy to follow and see everything. The agents setup and the API’s I’ve started using them a little bit and are a fun addition that separates this from other brokerages. The support has always been helpful which is nice touch too. Only thing that I don’t like is how long the deposits take to settle for you to use. But overall this app has a lot of great potential.

### 5/5 — Great brokerage

*2026-08-18, version 5.2.1*

Customer service is top notch

### 1/5 — Leaving

*2026-08-17, version 5.2.1*

Going to have to leave public, they updated and removed the AI assistant trying to force an agent agreement . I paid $100 a year but not for this, since they want to do this, I have to leave.

### 3/5 — No help on Saturday

*2026-08-16, version 5.2.1*

Someone should be working weekends. AND EVERY SINGLE KNICKNAME IS TAKEN!!! REALLY??? Bad Start. This is why I quit RH

### 5/5 — Bob

*2026-08-13, version 5.2.1*

I am learning as I go along. I think it is a great product of this company produces. I appreciate everybody working with me making things easier.

## Frequently asked questions about Public

### What can I invest in with this app?

You can invest in a wide range of assets including US-listed registered securities, options, bonds, and cryptocurrency. The app also offers access to treasury accounts for T-Bills and a high-yield cash account.

### How does the portfolio transfer bonus work?

The app offers a 1% uncapped match when you transfer your existing brokerage account, IRA, or 401(k) rollover to their platform. Matched funds must remain in the account for at least 5 years to avoid an early removal fee.

### Is this app free to use?

The app itself is free to download and use. While there are no explicit in-app purchase mentions for features, the description implies potential fees associated with trading certain assets like bonds, and a rebate program based on trading volume.

### Who is eligible to use this investment app?

This app is available to U.S. residents who are 18 years of age or older and subject to account approval. Specific investment types may have additional requirements or disclosures.

### What are the risks associated with investing through this app?

All investing involves risk of loss, including loss of principal. Cryptocurrency is highly speculative and involves a high degree of risk. Options are risky and not suitable for everyone. Securities investments are not FDIC insured, have no bank guarantee, and may lose value.

## Version history (last 5 releases)

### 5.2.2 — 2026-08-20

NEW: AI Agents are now fully available to everyone on Public.

-Create Agents to monitor the markets, execute trades, and manage cash—all within Public.
-Get started with any prompt, or choose from our ready-made, customizable Agents.
-Access the experience across devices—whether you're in the Public app on on the web.

Plus, business accounts are now live for single-owner LLCs, C corps, and S corps.

### 5.2.1 — 2026-08-11

NEW: AI Agents are now fully available to everyone on Public.

-Create Agents to monitor the markets, execute trades, and manage cash—all within Public.
-Get started with any prompt, or choose from our ready-made, customizable Agents.
-Access the experience across devices—whether you're in the Public app on on the web.

Plus, business accounts are now live for single-owner LLCs, C corps, and S corps.

### 5.2.0 — 2026-08-05

- Agents: For the first time ever, manage your portfolio with AI Agents on Public.
- Crypto IRAs: Trade crypto inside a tax-advantaged retirement account.
- Generated Assets: Turn any idea into an investable index with AI.

### 5.1.10 — 2026-07-28

- Agents: For the first time ever, manage your portfolio with AI Agents on Public.
- Crypto IRAs: Trade crypto inside a tax-advantaged retirement account.
- Generated Assets: Turn any idea into an investable index with AI.

### 5.1.9 — 2026-07-15

- Agents: For the first time ever, manage your portfolio with AI Agents on Public.
- Crypto IRAs: Trade crypto inside a tax-advantaged retirement account.
- Generated Assets: Turn any idea into an investable index with AI.

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-27.*