Public.com vs Till — In-Depth Comparison

TL;DR

Public.com wins with 4/5 stars — best for Investors wanting access to stocks, ETFs, bonds (7% yield Bond Account), crypto,. ⬇ Scroll for full 20-point audit

Best For

Public.com vs Till

Investors wanting access to stocks, ETFs, bonds (7% yield Bo... vs Customers looking for financial services solutions

Fee Structure

Public.com vs Till

$0 commissions on stocks & ETFs; 0.49% annual fee on generat... vs Custom pricing; not publicly listed

Rating

Public.com vs Till

4/5 ★ vs 3/5 ★

Public.com

Social Investing Platform & Bond Marketplace

Best For Investors wanting access to stocks, ETFs, bonds (7% yield Bond Account), crypto, IPOs, fractional shares, and AI-powered generated asset portfolios

Core Fee $0 commissions on stocks & ETFs; 0.49% annual fee on generated assets (AI-curated ETFs); crypto fees via third-party; Premium subscription available

Settlement Instant fractional share investing from $1; Bond Account settled same-day; 1% IRA match on contributions and rollovers; real-time portfolio tracking

Visit Public.com ↗

Till

Financial Services Platform

Best For Customers looking for financial services solutions

Core Fee Custom pricing; not publicly listed

Settlement Real-time financial tools

Visit Till ↗

What This Audit Doesn't Cover: Real-time currency fluctuations, promotional offers, region-specific pricing, or temporary fee waivers. Always verify current rates, fees, and features directly with Public.com and Till before making any financial decision.

Full 20-Point Audit Matrix

Verified current data across all key decision criteria

20 Criteria Compared

Audit Criterion	Public.com	Till
WealthBlueprint RatingOverall score vs. all reviewed platforms (out of 5 stars)	★ ★ ★ ★ ★ 4/5 Public.com: rated on fees, features, safety & ease of use	★ ★ ★ ★ ★ 3/5 Till: rated on fees, features, safety & ease of use
Cost Structure & Fees
Transaction FeesPer-transfer costs, domestic & international	$0 commissions on stocks & ETFs; 0.49% annual fee on generated assets (AI-curated ETFs); crypto fees via third-party; Premium subscription available	Custom pricing; not publicly listed
FX / Conversion SpreadMarkup above mid-market exchange rate	Public.com 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	Till 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	Public.com 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 — Till'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	Public.com does not primarily offer physical cards — access is digital-first. Check Public.com app for current card fees	Till does not primarily offer physical cards — access is digital-first. Check Till app for current card fees
Settlement Speed & Reliability
Domestic SettlementLocal bank transfer completion time	Public.com Instant fractional share investing from $1; Bond Account set VS Till Real-time financial tools ✓ Public.com is faster (instant vs Real-time financial tools)
Cross-Border SpeedInternational corridor settlement time	Public.com 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	Till 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	Public.com publishes service status updates on its official status page for transparency. Check Public.com status page for incident history	Till publishes service status updates on its official status page for transparency. Check Till status page for incident history
Security & Regulatory Standing
Regulatory LicensesGoverning bodies and jurisdictions	FINRA/SIPC member (up to $500,000); SEC-registered broker-dealer; 256-bit encryption; 2FA; Public Investing Inc. registered with SEC ✓ Licensed	Standard financial data security ✓ Licensed
Deposit InsuranceGovernment-backed protection scheme	Public.com holds funds with regulated partner banks. Deposit insurance coverage may apply. Verify current coverage directly with Public.com	Till holds funds with regulated partner banks. Deposit insurance coverage may apply. Verify current coverage directly with Till
2FA & AuthenticationMulti-factor security implementation	Public.com supports 2FA via authenticator app or SMS. Check security settings for available methods. Enable 2FA immediately after opening your account	Till 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	Public.com employs automated transaction monitoring. Suspicious activity triggers alerts and temporary holds. ✓ Real-time monitoring	Till 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	Public.com Investors wanting access to stocks, ETFs, bonds (7% yield Bond Account), crypto, IPOs, fractional shares, and AI-powered generated asset portfolios Till Customers looking for financial services solutions
Platform ClassificationRegulatory and product category	Social Investing Platform & Bond Marketplace	Financial Services Platform
Withdrawal LimitsDaily / weekly transfer and cash-out caps	Public.com withdrawal limits vary by account type and KYC level. Log in to see your current limits	Till withdrawal limits vary by account type and KYC level. Log in to see your current limits
Supported CurrenciesFiat and digital asset coverage	Public.com supports the currencies and assets listed in its official documentation. Check Public.com official site for full currency list	Till supports the currencies and assets listed in its official documentation. Check Till official site for full currency list
User Experience & Support
App Store RatingAggregate iOS + Android user satisfaction	Public.com app ratings reflect recent user sentiment — check the App Store/Google Play for current scores. Verify live ratings on the App Store	Till 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	Public.com routes support through its official help channels. Priority queue access varies by plan. Check Public.com help centre for current support options	Till routes support through its official help channels. Priority queue access varies by plan. Check Till help centre for current support options
KYC Verification SpeedAccount activation timeline post-submission	Public.com KYC timelines depend on document quality and account type. Verify current wait times in the Public.com app	Till KYC timelines depend on document quality and account type. Verify current wait times in the Till app
Overall VerdictWealthBlueprint independent recommendation	Public.com WINS with 4/5 stars vs 3/5. Why: Public.com excels at Investors wanting access to stocks, ETFs, bonds (7% yield Bond Account), crypto, IPOs, fractional shares, and AI-powered generated asset portfolios. ✓ Choose Public.com if Investors wanting access to stocks, ETFs, bonds (7% yield Bond Account), crypto, IPOs, fractional shares, and AI-powered generated asset portfolios ➜ Till is still solid for Customers looking for financial services solutions
Official WebsiteVisit platform to sign up or verify current fees	Visit Public.com ↗	Visit Till ↗

Choose Public.com If:

You need Investors wanting access to stocks, ETFs, bonds (7% yield Bo
You prefer $0 commissions on stocks & ETFs; 0.49% a
You value Instant fractional share investing from

Choose Till If:

You need Customers looking for financial services solutions
You prefer Custom pricing; not publicly listed
You value Real-time financial tools

WealthBlueprint Verdict Summary

Public.com — Best For

Investors wanting access to stocks, ETFs, bonds (7% yield Bond Account), crypto, IPOs, fractional shares, and AI-powered generated asset portfolios

✓ Strong in its core category

Till — Best For

Customers looking for financial services solutions

✓ Strong in its core category

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