Review
Updated
It is easier than ever to invest on the go, and in the past couple of years, many great beginner-friendly investment apps have hit the market. Do you want to start buying stocks? Do you want to invest for retirement? Or do you want a robo-advisor that can do all the heavy lifting for you? There's an app for that.
With the stock market reaching new record highs already in 2024, now could be a great time to get started. Read on for our top investment apps for beginners.
2 Featured Picks From Our Best Investment Apps for Beginners
There are a lot of options to compare, even on this page. It can be overwhelming! If you're looking for a place to start, here are some brokerage apps our experts recommend and why they like them:
- Robinhood: Standout mobile brokerage app
- SoFi Active Investing: Great broker for beginners
Our 5 Best Investment Apps for Beginners
| Broker/Advisor | Best For | Commissions | Next Steps | |
|---|---|---|---|---|
 2024 Award Winner
Featured Offer
Rating image, 4.5 out of 5 stars.
4.5/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = Poor |
Rating image, 4.5 out of 5 stars.
4.5/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = Poor |
Best For:
Mobile Experience |
Commission:
$0 for stocks, ETFs, and options; $5 monthly for Robinhood Gold |
|
2024 Award Winner
Rating image, 4.5 out of 5 stars.
4.5/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = Poor |
Rating image, 4.5 out of 5 stars.
4.5/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = Poor |
Best For:
Beginners |
Commission:
$0 for stocks, $0 for options contracts |
|
Rating image, 4.5 out of 5 stars.
4.5/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = Poor |
Rating image, 4.5 out of 5 stars.
4.5/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = Poor |
Best For:
Investing with Spare Change |
Commission:
$3-$9 monthly |
|
2024 Award Winner
Rating image, 4.5 out of 5 stars.
4.5/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = Poor |
Rating image, 4.5 out of 5 stars.
4.5/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = Poor |
Best For:
Hands-Off Investors |
Commission:
$0 per trade, management fee of $4 per month or 0.25% per year |
|
Rating image, 4.0 out of 5 stars.
4.0/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = Poor |
Rating image, 4.0 out of 5 stars.
4.0/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = Poor |
Best For:
Simple Stock Investing |
Commission:
$0 for stocks, fees vary for cryptocurrencies |
Editor's Note: TD Ameritrade is transitioning to Charles Schwab
TD Ameritrade has been acquired by Charles Schwab, and the company expects all accounts to be transitioned by the end of 2024. We've removed TD Ameritrade from our best-of lists to align with this development.
How to pick the best investment app for beginners
There's no one-size-fits-all investment app that is perfect for all beginners. This is why we've included several top picks on our list of the best investment apps for beginners -- all of these investing apps offer different features and investment choices.
The best way to narrow the list down to the best investment app for you is to determine what features and investments matter to you the most.
While this isn't an exhaustive list of the best investment apps for beginners, here are some questions to ask yourself:
- Do I want to buy individual stocks, or put my investing on autopilot with a robo-advisor? Note that some apps offer the ability to do both. Stocks and ETFs can be great for investors with the time and desire to research and manage their portfolio. On the other hand, there's nothing wrong with automating your investments.
- Will I be a buy-and-hold, long-term investor, or do I plan to move in and out of stock positions frequently? Some apps are designed with active traders in mind, while others have features intended to appeal to long-term investors.
- What is more important: keeping fees as low as possible, or having more features and investment choices? Some of the lowest-fee brokerages, such as Robinhood, are also the lightest on features like educational tools and stock research reports.
- Am I tech savvy, or do I need an app to be very simple to use? Beginners should generally avoid the most sophisticated trading platforms, but there's a wide range of complexity. Some apps make it extremely simple to buy and sell stocks, while others are more complicated (but are more feature-packed).
- Do I want to invest in cryptocurrencies, options, and futures? If so, you need to find an app that offers them.
- Do I want to invest for retirement, or do I want access to my money when I need it? If you plan to invest in retirement, make sure your app offers options like traditional and Roth IRA accounts.
- How important are educational tools that help me learn more about investing? For example, some apps have extensive libraries of material to help investors learn how the stock market works.
Show More [ + ]
Open Account for Robinhood
On Robinhood's Secure Website.
Ratings Methodology
2024 Award Winner
2024 Award Winner
2024 Award Winner
2024 Award Winner
Featured Offer
Rating image, 4.5 out of 5 stars.
4.5/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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A great choice for people who want to keep fees at an absolute minimum and who want the ability to trade stocks, options, and crypto in the same place. Robinhood's app is extremely user friendly, and it's one of the few places where all three of these investment vehicles trade commission free.
Fees:
$0 for stocks, ETFs, and options; $5 monthly for Robinhood Gold
Account Minimum:
$0
Open Account for Robinhood
On Robinhood's Secure Website.
2024 Award Winner
Rating image, 4.5 out of 5 stars.
4.5/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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Makes it easy to buy and sell stocks on its app, and it has one of the best selections of cryptocurrencies offered by a non-crypto exchange. It is very much an all-in-one app, with a great robo-advisory option, as well as many other financial products in a single app.
Fees:
$0 for stocks, $0 for options contracts
Account Minimum:
$0
Special Offer
For new accounts: Customer must fund their Active Invest account with at least $10 within 30 days of opening the account. Probability of customer receiving $1,000 is 0.028%.
Get up to $1,000 in stock when you fund a new Active Invest account.
Open Account for SoFi Active Investing
On SoFi Active Investing's Secure Website.
Rating image, 4.5 out of 5 stars.
4.5/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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The simple, modern approach to investing helps people invest faster. It's fee structure is easy-to-understand and low, making a good fit for hands-off investors who want to participate in the market, but want to put their investments on cruise control.
Fees:
$3-$9 monthly
Account Minimum:
$0
Open Account for Acorns
On Acorns' Secure Website.
2024 Award Winner
Rating image, 4.5 out of 5 stars.
4.5/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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One of the top-rated robo-advisors and helped pioneer the space years ago. It has low management fees for investments, no minimum balance requirements, and a high-yield cash management account to pair with its robo-advisor. It offers a variety of account types, as well as features (such as tax-loss harvesting) that are typically only available to high-balance customers at other firms.
Fees:
$0 per trade, management fee of $4 per month or 0.25% per year
Account Minimum:
$0
Rating image, 4.0 out of 5 stars.
4.0/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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Perhaps the easiest place for new investors to buy and sell stocks. It's very user friendly and provides many other financial functions (and likely more will be added over time). Bitcoin trading is also available, and the Cash App money transfer functionality is excellent.
Fees:
$0 for stocks, fees vary for cryptocurrencies
Account Minimum:
$0
Looking for an app for day trading?
If you're...
- Not interested in day trading
- Interested in day trading and other types of investing
...you're in the right spot!
If you're exclusively interested in day trading, head over to our Best Day Trading Platforms page.
Reviews of the best investment apps for beginners
Robinhood
Best investing app for beginners who: Want a user-friendly platform with minimal expenses.
Robinhood pioneered the concept of a low-cost, beginner-friendly trading app, and it is still one of the best in the business. Robinhood makes it extremely easy for beginners to start buying and selling stocks, and with fractional share trading, newer investors can build a diverse portfolio with little capital. It also offers one of the best cryptocurrency trading platforms that is also integrated with a stock trading app.
Why beginning investors might love Robinhood
- No commissions: Robinhood is one of the few beginner investing apps that doesn't charge anything for options or cryptocurrency trading. (Robinhood, like most investing apps don't charge commissions on stock trading.)
- Fractional share trading: Fractional shares allow beginning investors to construct a diversified portfolio with little capital.
- Cryptocurrencies: Robinhood has more than a dozen cryptocurrencies available on its platform -- perfect for beginner investors interested in getting started with crypto.
Why some beginning investors might not choose Robinhood
- Membership: Some features, like stock research, require a Robinhood Gold membership, which beginners may not be ready to commit to.
- Investment options: If you'd like to get started investing with mutual funds or bond investments, this isn't the beginner app for you: Mutual funds and bond investments are not available on Robinhood.
- Light on features: Though this is otherwise a beginner-friendly app, there are few educational resources to help new investors learn.
Read our full review of Robinhood.
SoFi Invest
Best investing app for beginners who: Want a one-stop-shop for managing their money.
SoFi is best-known for its loan products and online bank accounts -- but it also offers an excellent investment platform that could be a great fit for beginners. In simple terms, SoFi offers a rare combination of an easy-to-use platform and lots of functionality. The SoFi Invest platform allows users to buy stocks (even new IPOs) and options, with no commissions, making it an extremely accessible option. Additionally, the SoFi Invest platform is a top choice for new investors who want to put their investing strategies on autopilot.
Why beginning investors might love SoFi
- Low-cost: No trading commissions (including options) or account minimums -- great for beginning investors who want to start small.
- Fractional share trading: Fractional shares allow beginning investors to put together a diversified portfolio with little capital.
- Great for learning: SoFi offers lots of educational resources compared to other apps, which can help investors become more skillful over time.
- Robo-advisor: SoFi Automated Investing is an excellent automated investing platform for new investors who would like a hands-off option.
Why some beginning investors might not choose SoFi
- Investment choices: SoFi Invest doesn't offer mutual funds or fixed income investments, which might be appealing investments to some beginners.
- Account types: Some account types aren't available. SoFi offers basic individual investment accounts, as well as traditional, Roth, and SEP IRAs.
Read our full review of SoFi Active Investing.
Acorns
Best investing app for beginners who: Want an easy-to-use way to automate their investing.
Acorns is a robo-advisor app that makes investing even easier than most others do. In addition to being able to directly contribute money, Acorns allows customers to link their credit and debit cards and round up purchases to the nearest dollar to invest the change -- so beginners can start investing without much of a hit to their budget. It offers several different account types, a paired checking account product, and the Acorns Earn platform that allows customers to earn free investment dollars when making purchases through Acorns' partners.
Why beginning investors might love Acorns
- Easy to automate investing: Acorns allows beginning investors to make one-time contributions, recurring investments, and to round up purchases and invest their spare change.
- Top-rated app: Acorns' app is easy to navigate and set up and has high ratings on the App Store and Google Play store.
- Easy investing options: Acorns has five investment options to choose from, with easy-to-understand names like "aggressive" and "moderately conservative."
Why some beginning investors might not choose Acorns
- Pricing: While we're generally a fan of Acorns' straightforward pricing ($3, $5, or $9 per month, depending on the membership level), it can also make this an expensive platform for new investors just getting started.
- No human advisors: Some robo-advisor apps offer access to real-live financial advisors, but Acorns isn't one of them. If you're a beginning investor who wants human guidance, you'll need to look elsewhere.
Read our full review of Acorns.
Betterment
Best investing app for beginners who: Want to automate their investments with a feature-packed platform.
Betterment was one of the pioneers of the automated investing industry and is still one of the best today. It has no minimum investment requirement, which is key for beginners looking to just dip their toes into investing. It also features a relatively low 0.25% management fee, so you won't have fees cutting into your gains. Betterment offers features that could be very appealing to beginners, including an integrated high-yield savings account and the ability to invest in cryptocurrency portfolios.
Why beginning investors might love Betterment
- Low-cost: Betterment has no minimum investment requirements, and a reasonable 0.25% management fee. This amount could be considered average, but we think it's a deal considering the amount of features Betterment offers to beginning investors.
- Cash management: Betterment has an integrated high-yield savings account that rivals most online banks.
- Cryptocurrencies: Although they aren't right for all investors, cryptocurrency portfolios are available as an investment choice. If you're looking at getting started with crypto, Betterment is an app to consider.
Why some beginning investors might not choose Betterment
- Lack of human help: Human financial advisor access requires a $100,000 balance, as well as a premium membership, which comes with a significantly higher management fee. This might not be accessible to some beginning investors.
- Only a robo-advisor: Betterment doesn't offer self-directed investing (you can't buy stocks). While some beginning investors might prefer a robo-advisor, others will like the option to pick their own stocks.
Read our full review of Betterment.
Cash App Investing
Best investing app for beginners who: Want an easy-to-use platform to buy and sell stocks.
Cash App Investing offers its users the ability to buy and sell stocks, as well as Bitcoin, within the popular Cash App personal finance app. It offers fractional share investing, which allows beginners to create a diverse stock portfolio without a ton of capital, and there are no commissions whatsoever. The biggest downside to investing with Cash App Investing is that it doesn't offer mutual funds, bonds, or any other investment type beyond stocks, ETFs, and Bitcoin.
Why beginning investors might love Cash App Investing
- Easy to use: Cash App Investing makes it extremely easy for new investors to buy and sell stocks. All it takes to get started is just a couple taps on your screen and you can start a portfolio of your own.
- Functionality: The ability to buy and sell stocks and cryptocurrencies integrates easily with the popular Cash App platform.
- Fractional share trading: Fractional shares allow beginning investors to construct a diversified portfolio with little capital.
Why some beginning investors might not choose Cash App Investing
- Few investment choices: Cash App Investing only accommodates stocks, ETFs, and Bitcoin. You can't buy mutual funds, fixed income investments, or several other types of securities that may appeal to beginners.
- Light on features: Cash App Investing offers some basic beginner educational tools, but not nearly as many as some of its rivals. It also is lacking in features like stock research reports.
- Doesn't support IRA investing: Cash App Investing offers one type of investment account, a standard taxable brokerage account. Beginners who want to start an IRA for retirement will have to look elsewhere.
Read our full review of Cash App Investing.
FAQs
-
Some investing app features that beginners may find useful include low minimum balances, educational resources, and an easy-to-use platform.
-
First, decide whether you'd like to pick your own stocks or have a robo-advisor help you invest on autopilot. Then, look at investing apps to find one with minimum balance requirements you can meet. Finally, keep an eye out for investing apps with educational resources -- these can help you both get started with investing and grow in your skills over time.
Our Brokerages Expert
Matt is a Certified Financial Planner™ and investment advisor based in Columbia, South Carolina. He writes personal finance and investment advice for The Ascent and its parent company The Motley Fool, with more than 4,500 published articles and a 2017 SABEW Best in Business award. Matt writes a weekly investment column ("Ask a Fool") that is syndicated in USA Today, and his work has been regularly featured on CNBC, Fox Business, MSN Money, and many other major outlets. He’s a graduate of the University of South Carolina and Nova Southeastern University, and holds a graduate certificate in financial planning from Florida State University.
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Brokerages we evaluated for consideration on this page: Acorns, Ally Invest, Axos Self-Directed Trading, Betterment, Cash App Investing, Charles Schwab, Delphia, Domain Money, Ellevest, Empower, eToro Brokerage, E*TRADE Core Portfolios, E*TRADE, Fidelity, Fidelity Cash Management, Fidelity Go®, Firstrade, FOREX.com, Interactive Brokers, J.P. Morgan Self-Directed Investing, M1 Finance, Magnifi, Marcus Invest, Merrill Edge® Self-Directed, moomoo, NinjaTrader, Personal Capital, Plynk, Prosperi Academy, Public, Robinhood, Rocket Dollar, Schwab Intelligent Portfolios, SoFi Active Investing, SoFi Automated Investing, Stash, Stockpile, Tastytrade, Titan, Tornado App, TradeStation, Tradier, Vanguard, Vanguard Digital Advisor®, Wealthfront, Webull, Zacks Trade.
We're firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers. The Ascent, a Motley Fool service, does not cover all offers on the market. The Ascent has a dedicated team of editors and analysts focused on personal finance, and they follow the same set of publishing standards and editorial integrity while maintaining professional separation from the analysts and editors on other Motley Fool brands.
Suzanne Frey, an executive at Alphabet, is a member of The Motley Fool’s board of directors. Charles Schwab is an advertising partner of The Ascent, a Motley Fool company. John Mackey, former CEO of Whole Foods Market, an Amazon subsidiary, is a member of The Motley Fool’s board of directors. Ally is an advertising partner of The Ascent, a Motley Fool company. Matt Frankel has positions in Ally Financial and Amazon. The Motley Fool has positions in and recommends Alphabet, Amazon, Apple, Axos Financial, Bitcoin, Charles Schwab, Ethereum, and Target. The Motley Fool recommends Interactive Brokers Group and recommends the following options: short March 2024 $65 puts on Charles Schwab. The Motley Fool has a disclosure policy.
Betterment disclaimers
†Betterment Cash Reserve ("Cash Reserve") is offered by Betterment LLC. Clients of Betterment LLC participate in Cash Reserve through their brokerage account held at Betterment Securities. Neither Betterment LLC nor any of its affiliates is a bank. Through Cash Reserve, clients' funds are deposited into one or more banks ("Program Banks") where the funds earn a variable interest rate and are eligible for FDIC insurance. Cash Reserve provides Betterment clients with the opportunity to earn interest on cash intended to purchase securities through Betterment LLC and Betterment Securities. Cash Reserve should not be viewed as a long-term investment option.
Funds held in your brokerage accounts are not FDIC‐insured but are protected by SIPC. Funds in transit to or from Program Banks are generally not FDIC‐insured but are protected by SIPC, except when those funds are held in a sweep account following a deposit or prior to a withdrawal, at which time funds are eligible for FDIC insurance but are not protected by SIPC. See Betterment Client Agreements for further details. Funds deposited into Cash Reserve are eligible for up to $1,000,000.00 (or $2,000,000.00 for joint accounts) of FDIC insurance once the funds reach one or more Program Banks (up to $250,000 for each insurable capacity—e.g., individual or joint—at up to four Program Banks). Even if there are more than four Program Banks, clients will not necessarily have deposits allocated in a manner that will provide FDIC insurance above $1,000,000.00 (or $2,000,000.00 for joint accounts). The FDIC calculates the insurance limits based on all accounts held in the same insurable capacity at a bank, not just cash in Cash Reserve. If clients elect to exclude one or more Program Banks from receiving deposits the amount of FDIC insurance available through Cash Reserve may be lower. Clients are responsible for monitoring their total assets at each Program Bank, including existing deposits held at Program Banks outside of Cash Reserve, to ensure FDIC insurance limits are not exceeded, which could result in some funds being uninsured. For more information on FDIC insurance please visit www.FDIC.gov. Deposits held in Program Banks are not protected by SIPC. For more information see the full terms and conditions and Betterment LLC's Form ADV Part II.
**The annual percentage yield ("APY") on the deposit balances in Betterment Cash Reserve ("Cash Reserve") is 4.00% and represents the weighted average of the APY on deposit balances at the banks participating in Cash Reserve (the "Program Banks") and is current as of Feb. 6, 2023. This APY is variable and subject to change daily. Deposit balances are not allocated equally among the participating Program Banks. A minimum deposit of $10 is required, but there is no minimum balance required to be maintained. The APY available to a customer may be lower if that customer designates a bank or banks as ineligible to receive deposits. APY applies only to Cash Reserve and does not apply to checking accounts held through Betterment Checking. Cash Reserve and Betterment Checking are separate offerings and are not linked accounts.
For Cash Reserve (“CR”), Betterment LLC only receives compensation from our program banks; Betterment LLC and Betterment Securities do not charge fees on your CR balance.
Robinhood disclosure
All investments involve risk and loss of principal is possible.
Securities are offered through Robinhood Financial LLC, member FINRA/SIPC. Cryptocurrency services are offered through an account with Robinhood Crypto, LLC (NMLS ID 1702840). Robinhood Crypto is licensed to engage in virtual currency business activity by the New York State Department of Financial Services. Cryptocurrency held through Robinhood Crypto is not FDIC insured or SIPC protected. For more information see the Robinhood Crypto Risk Disclosure.
Trades of stocks, ETFs and options are commission-free at Robinhood Financial LLC. Other fees may apply. Please see Robinhood Financial’s Fee Schedule to learn more.
Fractional shares are illiquid outside of Robinhood and are not transferable. Not all securities available through Robinhood are eligible for fractional share orders. For a complete explanation of conditions, restrictions and limitations associated with fractional shares, see the Fractional Shares section of our Customer Agreement.
Robinhood Gold is an account offering premium services available for a $5 monthly fee. Not all investors will be eligible to trade on Margin. Margin investing involves the risk of greater investment losses. Additional interest charges may apply depending on the amount of margin used. Bigger Instant Deposits are only available if your Instant Deposits status is in good standing.