Public.com vs Yuh — which broker is better?

Pros

• Options Rebate Program pays USD 0.06–0.18 per stock or ETF contract, typically more than the roughly USD 0.05 per contract of regulatory fees — a net-negative transaction cost that no competitor here matches
• Cheapest margin of the three: 5.15% base (Fed Funds Target Rate + 1.15%, with FFTR at 4.00% as of 17 September 2026), tiering to 4.20% above USD 50 million
• A real bond desk — fractional corporate bonds at 0.35%–0.50% of par, Treasuries at 0.10%–0.25%, plus customisable Treasury ladders and a 6-month T-bill account from USD 100
• Genuinely multi-asset in one login: stocks, ETFs, options, bonds, Treasuries, 60+ crypto assets, IRAs, Crypto IRAs and a high-yield cash account quoted at 3.30% APY in mid-2026
• Free ACH in and out, free incoming wires and free incoming ACAT transfers, with no minimum deposit
• Transparent, well-maintained public fee schedule — the version used for this record was updated 17 September 2026 and states every line item including the awkward ones
• Index options at USD 0.35 per contract for every customer, plus the exchange fees Public passes on

Cons

• US residents only — no international entity, so European, UK or DACH investors cannot open an account
• USD 100 to transfer securities out, plus USD 115 per security for a DRS transfer; both are the highest in this comparison
• No futures, no spot forex, no mutual funds and no desktop application — active traders will find the charting and depth-of-market shallow next to Webull or moomoo
• The options rebate is funded by payment for order flow, so you are accepting a routing model in exchange for the payment; the free Wholesale route is the default, and choosing Smart Order or Lit-Exchange routing costs USD 0.003 per share
• A USD 3.99 monthly inactivity fee applies to accounts under USD 70 with no six-month activity, and there is no paper-trading environment to practise in

Pros

• Free Swiss IBAN, free account management, free custody and a free physical and virtual Debit Mastercard — the recurring cost of holding the account is genuinely zero
• Recurring 'buy' orders on eligible ETFs carry no trading fee at all, which makes a monthly ETF savings plan effectively commission-free apart from stamp duty and TER
• Fractional trading from CHF 10 on any available product, so an expensive share like Lindt or an S&P 500 tracker is reachable on a small budget
• Banking services are provided by Swissquote Bank Ltd under a FINMA licence, with esisuisse cover up to CHF 100,000 and the Swissquote group listed on the SIX Swiss Exchange under SQN
• Real digital assets rather than CFDs — coins listed on Swissquote's SQX exchange with Coinbase and Bitstamp for liquidity, at 1% per trade with free custody and 24/7 access
• Multi-currency account in 13 currencies with free CHF and Liechtenstein transfers and free SEPA transfers in euros
• Pillar 3a wrapper at 0.50% per year all-in including fund TER, FX, administration and unlimited strategy changes, which is competitive for a Swiss 3a solution
• Account opening is fully in-app and takes minutes, with free phone, message and chat support afterwards

Cons

• The 0.95% currency exchange markup is the dominant hidden cost: a CHF 5,000 purchase of a US share costs about CHF 47.50 in FX versus CHF 25 in commission, and you pay it again when you sell
• Percentage-only commission scales badly — CHF 50 on a CHF 10,000 order and CHF 70 on a CHF 20,000 order, with no cap, against tiered Swiss brokers charging a fraction of that at the same size
• App-only: there is no web platform, no desktop client, no API and no way to review or manage a portfolio from a computer
• Product range stops at shares, ETFs, Themes, bonds and digital assets — no options, no futures, no forex, no CFDs, no margin and no mutual funds
• Research is close to non-existent: no screener, no fundamentals suite, no analyst estimates; the marketing site outsources charts to embedded TradingView widgets
• Cash in saving projects earns 0% in CHF, EUR and USD as published, and transfers outside the SEPA area are not supported at all