Axos Self-Directed Trading
Bank-Backed Self-Directed Brokerage
Best For
Axos Bank customers wanting integrated banking and investing, commissi
Core Fee
$0 commissions on stocks & ETFs; $1.50/contract options; no
Settlement
Instant transfers from Axos Bank accounts; real-time trade e
Justworks
PEO & Payroll Platform for SMBs
Best For
Small to mid-sized businesses wanting a PEO solution with payroll, ben
Core Fee
Custom pricing based on company size and services; not publi
Settlement
Streamlined payroll; HR automation; employee self-service po
Full 20-Point Audit Matrix
Verified current data across all key decision criteria
| Audit Criterion | Axos Self-Directed Trading | Justworks |
|---|---|---|
WealthBlueprint RatingOverall score vs. all reviewed platforms (out of 5 stars) |
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| Cost Structure & Fees | ||
Transaction FeesPer-transfer costs, domestic & international |
$0 commissions on stocks & ETFs; $1.50/contract options; no account minimum; managed portfolios at 0.24%/year AUM fee | Custom pricing based on company size and services; not publicly listed |
FX / Conversion SpreadMarkup above mid-market exchange rate |
Axos Self-Directed Trading charges a conversion fee based on the currency pair and transfer amount. Always verify the all-in rate before sending.
Always check the live rate in the app |
Justworks charges a conversion fee based on the currency pair and transfer amount. Always verify the all-in rate before sending.
Always check the live rate in the app |
Account MaintenanceMonthly or annual account-keeping charges |
Axos Self-Directed Trading applies account maintenance charges as described in its fee schedule. Pricing may vary by region.
Fees subject to change — verify before signing up |
Custom/tiered pricing — Justworks's fee structure depends on your account tier or usage volume.
Fees subject to change — verify before signing up |
Card Issuance FeesVirtual and physical card creation costs |
Axos Self-Directed Trading does not primarily offer physical cards — access is digital-first.
Check Axos Self-Directed Trading app for current card fees |
Justworks does not primarily offer physical cards — access is digital-first.
Check Justworks app for current card fees |
| Settlement Speed & Reliability | ||
Domestic SettlementLocal bank transfer completion time |
Axos Self-Directed Trading
Instant transfers from Axos Bank accounts; real-time trade e
VS
Justworks
Streamlined payroll; HR automation; employee self-service po
✓ Axos Self-Directed Trading is faster (instant vs Streamlined payroll; HR automa)
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Cross-Border SpeedInternational corridor settlement time |
Axos Self-Directed Trading supports cross-border transfers via its payment rails. Actual delivery depends on the receiving bank and any compliance holds.
Check the app for live estimates |
Justworks supports cross-border transfers via its payment rails. Actual delivery depends on the receiving bank and any compliance holds.
Check the app for live estimates |
Uptime / ReliabilityReported annual platform availability rate |
Axos Self-Directed Trading publishes service status updates on its official status page for transparency.
Check Axos Self-Directed Trading status page for incident history |
Justworks publishes service status updates on its official status page for transparency.
Check Justworks status page for incident history |
| Security & Regulatory Standing | ||
Regulatory LicensesGoverning bodies and jurisdictions |
FINRA/SIPC member (up to $500,000); Axos Bank FDIC insured; SEC-registered broker-dealer; 256-bit encryption; biometric login supported
✓ Licensed |
Standard HR compliance; certified PEO; insurance coverage; robust security; payroll tax filing included
✓ Licensed |
Deposit InsuranceGovernment-backed protection scheme |
FDIC insured — your funds are protected up to applicable limits.
Verify current coverage directly with Axos Self-Directed Trading |
Justworks holds funds with regulated partner banks. Deposit insurance coverage may apply.
Verify current coverage directly with Justworks |
2FA & AuthenticationMulti-factor security implementation |
Axos Self-Directed Trading offers multi-factor authentication. Enable 2FA in account security settings. Biometric and PIN options vary by device.
Enable 2FA immediately after opening your account |
Justworks supports 2FA via authenticator app or SMS. Check security settings for available methods.
Enable 2FA immediately after opening your account |
Fraud DetectionAI/ML-powered transaction monitoring |
Axos Self-Directed Trading monitors transactions for anomalies in real time. You can freeze your card instantly from the app.
✓ Real-time monitoring |
Justworks employs automated transaction monitoring. Suspicious activity triggers alerts and temporary holds.
✓ Real-time monitoring |
| Features, Limits & Access | ||
Ideal Use CasePrimary audience and core value proposition |
Axos Self-Directed Trading
Axos Bank customers wanting integrated banking and investing, commission-free trading, and access to managed portfolios without switching institutions
Justworks
Small to mid-sized businesses wanting a PEO solution with payroll, benefits, HR, and compliance support
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Platform ClassificationRegulatory and product category |
Bank-Backed Self-Directed Brokerage | PEO & Payroll Platform for SMBs |
Withdrawal LimitsDaily / weekly transfer and cash-out caps |
Axos Self-Directed Trading applies daily and monthly withdrawal limits based on your account verification tier.
Log in to see your current limits |
Justworks withdrawal limits vary by account type and KYC level.
Log in to see your current limits |
Supported CurrenciesFiat and digital asset coverage |
Axos Self-Directed Trading supports the currencies and assets listed in its official documentation.
Check Axos Self-Directed Trading official site for full currency list |
Justworks supports the currencies and assets listed in its official documentation.
Check Justworks official site for full currency list |
| User Experience & Support | ||
App Store RatingAggregate iOS + Android user satisfaction |
Axos Self-Directed Trading is available on both iOS and Android. Rating varies by region.
Verify live ratings on the App Store |
Justworks app ratings reflect recent user sentiment — check the App Store/Google Play for current scores.
Verify live ratings on the App Store |
Customer SupportAvailable resolution pathways and SLA |
Axos Self-Directed Trading offers in-app support and email. Response times may vary by account tier.
Check Axos Self-Directed Trading help centre for current support options |
Justworks routes support through its official help channels. Priority queue access varies by plan.
Check Justworks help centre for current support options |
KYC Verification SpeedAccount activation timeline post-submission |
Axos Self-Directed Trading typically verifies personal accounts within minutes to 24 hours with a valid ID.
Verify current wait times in the Axos Self-Directed Trading app |
Justworks KYC timelines depend on document quality and account type.
Verify current wait times in the Justworks app |
Overall VerdictWealthBlueprint independent recommendation |
Justworks WINS with 4/5 stars vs 3/5.
Why: Justworks excels at Small to mid-sized businesses wanting a PEO solution with payroll, benefits, HR, and compliance support. It also has a simpler fee structure (Custom pricing based on company size and services;...). ✓ Choose Justworks if Small to mid-sized businesses wanting a ➜ Axos Self-Directed Trading is still solid for Axos Bank customers wanting integrated b |
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Official WebsiteVisit platform to sign up or verify current fees |
Visit Axos Self-Directed Trading ↗ | Visit Justworks ↗ |
WealthBlueprint Verdict Summary
Axos Self-Directed Trading — Best For
Axos Bank customers wanting integrated banking and investing, commission-free trading, and access to managed portfolios without switching institutions
✓ Strong in its core category
Justworks — Best For
Small to mid-sized businesses wanting a PEO solution with payroll, benefits, HR, and compliance support
✓ Strong in its core category
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