Donny Gamble
May 11, 2022
Personalincome rating is a commission-free trading platforms that allows you to invest in stocks, ETFs, and crypto. It has an easy-to-use app that allows you to trade while you are on the go.

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on's website
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Key Takeaways

  • is an easy-to-use investment app that’s great for beginners who are looking to dip their toes into the world of financial investing.
  • Designed as a form of social media, the app has a community forum for investors to chat with each other and ask questions.
  • With no fees to get started and the ability to use your debit card instead of linking a bank account, there’s little to no risk when signing up.

Pros & Cons

Here are the pros and cons of using

  • $0 account minimum
  • Ability to buy fractional shares
  • Commission-free trades
  • Easy-to-use mobile app
  • No mutual funds, bonds, options, or precious metals
  • No IRA or joint accounts

As technology continues to provide access to investment opportunities, many people are interested in getting involved. But they don’t always know how to get involved.Are you one of those people who doesn’t know how to get involved with investing? 

That’s where comes in, designed to help the average person with any of their investment needs. 

The platform can help you get educated about your financial investment options and build a portfolio that works for you. It also provides a collaborative social media platform for investors to communicate and discuss.

About was founded in 2017 to help people get involved in financial investing, from cryptocurrency to stock trading. 

It stays true to its motto, “Everyone’s an Investor,” by providing an easily navigated, beginner-friendly app that’s full of educational resources and community forums so anyone can invest, regardless of experience level.

The company has a lot of big-name investors, including Will Smith, J.J. Watt, Tony Hawk, and The Chainsmokers, among others.

Products & Features

The app provides a variety of services to users. Here are the main tabs and what it offers.

Portfolio allows you to keep track of all of your investments in one place. And it provides a couple of different investment options as well.

Stocks & ETFs offers commission-free trading of over 9,000 stocks and ETFs. To help you figure out where you want to put your money, the app organizes the options into different lists and categories, like “Investing Themes,” “Top Movers,” and “Stock Trends.”

Cryptocurrencies partners with Apex Crypto and launched cryptocurrency investments on its app in 2021. It offers 25 coins and tokens, including some of the more popular options like Bitcoin and Dogecoin.

Because cryptocurrency transactions are completed by Apex Crypto, it incurs a 1-2% markup.


The Community page provides a social media platform for investors to learn from and communicate with each other. You can follow other investors’ portfolios, see what it's buying and selling, and create group chats to discuss various investment options and learn from each other.

Public also hosts virtual Town Halls where you can connect with the founders and CEOs of companies you may be thinking about investing in.

These meetings are live, written Q&As on the app, so potential investors can ask any questions they may need to be answered before making a final decision.


The Explore page is a place to discover anything from new investment opportunities to educational resources. You can peruse a myriad of auto-generated sections, including:

  • Earnings this Week
  • Most Popular Cryptos on Public
  • Learn & Earn
  • Sustainable EFTs
  • New Cryptos on Public
  • Themes
  • Top Movers
  • Public Live: Listen to Recent Shows
  • Trending Tags
  • Watch & Learn
  • Meme Stocks: Viral & Volatile
  • Town Halls: View Past Q&As
  • People to Follow
  • This Week’s Highlights

Education believes that “Everyone’s an Investor,” and it aims to back that claim up by offering a library of educational resources that can help anyone learn more about investing. There are tons of articles about:

  • Investing
  • Stock Market
  • IPOs
  • Crypto
  • Retirement
  • Tools
  • Support

Customer Support

You can reach customer support via email at or via live chat on the app. The live chat is available from 9 a.m. to 5 p.m. ET, Monday through Friday.

Commission & Fees does not charge any commissions. Users don’t have to pay brokers for their trade assistance, but you do have the option to tip brokers. 

But there are a few fees you may have to pay while using

  • 1-2% markup fee for all cryptocurrency trades
  • $25 fee for domestic wire transfers
  • $30 fee for returned checks, ACH, and wires
  • A fee of up to 2% of the amount for instant withdrawals
  • $5 inactivity fees per quarter for accounts with less than $20 in value and no activity for 90 days

Who is Best For? can be a great option for any investor, but it’s particularly well-suited for beginners.  With its easy-to-use format, educational resources, fractional share option, and community discussions, it’s a great place for beginners to learn the ropes and make some money at the same time.

If you’re looking to learn about ways you can invest your money, sign up for a free account and get started today. FAQ’s

Here are some common questions about

Is legit?

Yes, is legit. The Better Business Bureau gave it a B rating, and it has 3.1 out of 5 stars from customer reviews.

The BBB explains that its ratings are based on how the company interacts with its customers, adding that got a B because there had been 47 complaints filed against them.

Is good for beginners?

Yes! is ideal for beginners.  The app is free and easy to navigate. Signing up for an account takes less than five minutes, and there is a myriad of educational resources that can help teach you as you go.

With the community forum, you can chat with other investors and get advice from those with more experience than you. And if you’re interested in working with a broker, has them available as well.

How does make money?

According to a blog post from, the company earns money in a few different ways:

  • Lending shares to short-sellers, then buying them back at a lower price
  • Inactivity fees and interest on uninvested cash balances
  • Optional broker tips
  • Cryptocurrency transaction markups

Though there are currently no subscription fees, the company said it is considering adding some premium options that would come at a cost. Those fees would be another form of revenue for

Is a good trading platform?

Overall, yes, is a good trading platform. It’s at the top of the investment app charts, alongside competitors like Robinhood and Webull.

But there is one caveat about the platform’s community forum feature: Be careful taking financial advice from strangers on the Internet.

Compare to Other Brokers

Robinhood logo
1 share of free stock
Webull logo
Receive a free stock with deposit
M1 Finance logo
Receive a free stock with deposit

Public is an investing platform that helps people be better investors by allowing them to invest in stocks, ETF's and crypto.

  • Rating: 4
  • Reviewed by:
  • On May 11, 2022
  • Last modified:May 11, 2022

Review Summary:

Public is an investing platform that helps people be better investors by allowing them to invest in stocks, ETF's and crypto.

Review of:

Reviewed by:
On May 11, 2022
Last modified:May 11, 2022


Public is an investing platform that helps people be better investors by allowing them to invest in stocks, ETF's and crypto.

About the author 

Donny Gamble

I’m Donny. I’m a world traveler, investor, entrepreneur, and online marketing aficionado who has a big appetite to compete and disrupt big markets. I thrive on being able to create things that impact change, difficult challenges, and being able to add value in negative situations.

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