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Public.com Review: The Broker Built Around AI Agents

A friendly broker betting its future on AI agents you can build without code.

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What Public.com Actually Looks Like

Screenshot of the Public.com homepage
The Public.com homepage

The Alpha Score Breakdown

Public.com scores 74 out of 100 across five pillars, 20 points each.

  • Execution Quality14 / 20
  • Cost Transparency15 / 20
  • Price-to-Value16 / 20
  • Usability16 / 20
  • Community Verdict13 / 20
How we score →
Editorial Deep Dive

Is Public.com Safe? Every Check That Matters Before You Fund

Is Public.com safe to fund? We check FINRA status, SIPC limits, fees, AI Agents and where it falls short before you decide. Full breakdown inside.

Read the full Public.com teardown
  • Length4,600 words
  • Read time21 min
  • RefreshedEvery 6 to 12 months

The Verdict

Public scores 74: a broker building itself around AI agents, with a friendly app and fair pricing underneath. You can build no-code agents that automate strategies in brokerage and IRA accounts, ask the Alpha assistant anything about trading, and trade options with no commission plus a rebate. Usability and Price-to-Value lead at 16 each. Community Verdict trails at 13, because praise for the app sits next to complaints about slow withdrawals.

The Watch-Out

Public's AI agents are new, and "first agentic brokerage" is Public's own claim, not an audited record. Start any agent small. Transferring out costs $75, bond trades carry a markup, and crypto sits with Zero Hash outside FDIC and SIPC protection.

Who It's For

Hover, tap, or focus a card to see who we'd point at this tool — and who should walk away.

Who this is for

The traders who get the most out of Public.com.

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Who this is for

  • Investors who want AI agents without writing code
  • Options traders who want a rebate instead of a fee
  • Beginners building a multi-asset portfolio in one app

Who this isn't for

Where Public.com is the wrong spend.

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Who this isn't for

  • Chart-heavy technical traders
  • Anyone who wants a long track record on AI features
  • Investors who plan to transfer out soon

The Pain It Solves

A real complaint from the trading forums, and what this tool actually does about it.

—
r/Bogleheads
“I've really been looking to use a portion of my stimulus check to try my hand in investing but didn't want to just throw my money at the first thing that seemed easy.”

Source: r/Bogleheads

Public.com logo

Public.com

Public's answer is an app that stays simple while doing more than it looks: stocks, options, bonds and crypto in one place, with AI built into the research. The Alpha assistant explains strategies and indicators, Generated Assets turns an idea into a basket you can buy, and AI agents can automate a strategy once you know what you want. Start with the basics before you hand anything to an agent.

What Users Say

Sentiment pulled from two independent sources, kept separate so you can weigh each one yourself.

App Store (4.7 from 85,000 ratings)App Store
“it also has something that none of the other platforms have, the Alpha AI assistant, it will not give you live data or trading advice, but any knowledge of trading you asked, for it delivers!”
Read the original on App Store →
App Store (4.7 from 85,000 ratings)App Store
“I love the fact this is a one-stop shop for all sorts of investment vehicles.”
Read the original on App Store →
App Store (4.7 from 85,000 ratings)App Store
“I wish that the Charts were more in depth & interactive, you cannot charge technical indicators and such, totally not a big deal, that’s just my style of trading.”
Read the original on App Store →
App Store (4.7 from 85,000 ratings)App Store
“when you sell stock and try to withdraw back to your account there is literally a glacial pace”
Read the original on App Store →

Every quote is real and traceable. How we source them →

Pricing

Stocks and ETFs

$0 commission

Commission-free trading on US-listed stocks and ETFs.

Our pick

Options

$0 commission, plus a rebate

No per-contract fee, and a rebate of $0.06 to $0.18 per contract based on monthly volume.

Public Premium

$10 / month or $96 / year

An optional membership for heavier users. The free account covers commission-free trading.

Cash and IRA

3.3% APY, 1% IRA match

High-yield cash through partner banks and a 1% match on annual IRA contributions. Rates and match terms can change.

Prices change. Check the vendor’s page before you buy.

Pros and Cons

What works

  • No-code AI agents that automate strategies in brokerage and IRA accounts
  • Options trade with no commission or contract fee, and Public pays a $0.06 to $0.18 rebate per contract
  • 3.3% APY on cash and a 1% match on IRA contributions, with rates subject to change
  • Stocks, options, bonds, Treasuries and crypto in one app

What doesn’t

  • Charts are basic, a point even fans raise
  • $75 to transfer your account out
  • Bond trades carry a markup, and crypto is not FDIC or SIPC protected
  • The AI agents are new, with no long track record yet

Public.com FAQ

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Related Reading

74/ 100

Our verdict on Public.com

Public scores 74: a broker building itself around AI agents, with a friendly app and fair pricing underneath.