moomoo vs Robinhood vs Webull vs Public vs eToro USA: ten things side by side, every cell from the firms' own pages with a date
This table puts five commission-free investing apps next to each other on ten points. It does not rank them: which one fits depends on what you use. Every cell comes from the firm's own page; the last column says when it was read and links to the page here with the details and quotes. In short:
- Retirement accounts: Public, Robinhood and Webull offer IRAs with matches; moomoo and eToro USA do not offer IRAs.
- Cash: moomoo and Robinhood (with Gold) show 3.6%, Public 3.30%, eToro USA 3.25% only in the options account.
- After hours: moomoo, Public, Robinhood and Webull trade overnight; eToro USA's US accounts do not.
- Leaving: $75 to $100 to transfer out at all five.
Side by side
| Item | eToro USA | moomoo | Public | Robinhood | Webull | Source and date |
|---|---|---|---|---|---|---|
| IRA, and its contribution match | No IRA found | No IRA | Yes: 1%, 4% with Reserve | Yes: 1%, 3% with Gold | Yes: 1% (limited time), 3.5% with Premium | From the firms' terms, read Oct. 31, 2026; see IRA match by broker. |
| Interest on uninvested cash | 3.25% APY, options account only: “Uninvested cash in your options account earns 3.25% APY” | 3.6% APY for customers who meet its conditions; 0.03% for others | 3.30% APY (3.75% with Reserve) | 3.6% APY with Gold; none without | Shown only in the app; Premium subscribers get a higher rate | moomoo as of Sept. 18, Robinhood Sept. 17, Public Aug. 13 on brokerage cash rates and paid memberships; eToro read Oct. 31, 2026. |
| Margin rate on $20,000 | Not covered | 6.80% | 5.15% | 5.25% | 8.74% (5.45% with Premium) | Each firm's rate table as dated on margin rates by broker (Public Oct. 13, Robinhood Sept. 17, moomoo Oct. 1, 2026; Webull's table undated). |
| Options: stock and ETF / index, per contract | $0 / no index options listed | $0 / $0.50 | $0 / $0.35; rebate $0.06–$0.18 if enrolled | $0 / $0.50 ($0.35 with Gold) | $0 / $0.50 | Read Oct. 31, 2026; regulatory pass-through fees extra; see options fees by broker. |
| Overnight trading (ET) | No, for US accounts | Sun–Thu 8 p.m. to 4 a.m. | Sun 8 p.m. to Fri 8 p.m. | Sun 8 p.m. to Fri 8 p.m. | Sun–Thu 8 p.m. to 4 a.m. | Read Oct. 31, 2026; see overnight trading hours. |
| Fee to transfer your account out (ACATS) | $75: “ACATS - Outgoing $75.00” | $100 | $100 | $100 | $75 | eToro from its fee schedule (Oct. 1, 2026); others on ACAT transfer fees (Oct. 17, 2026). |
| Bonus for moving an account in | None found (first-deposit crypto bonus only) | 3% on up to $20,000, new customers, to Dec. 31, 2026 | 1%, no cap, paid over 60 months | IRA transfers 1%; no taxable-account offer open | IRA transfers 1% with Premium | Read Oct. 31, 2026; see transfer bonuses. |
| Paid plan | None covered | Not covered here | Reserve, $20 a month | Gold, $5 a month or $50 a year | Premium, $3.99 a month or $40 a year | See whether paid memberships pay for themselves. |
| Buying SGOV: commission / smallest buy | $0 / from $10 | $0 / from $5 | $0 / from $5 | $0 / from $1 | $0 / from $1 | From how to buy SGOV at 15 brokers. |
| Trump accounts | Not covered | No (no IRAs) | Nothing on its site | Holds claimed accounts (initial trustee) | Nothing on its site | From Trump account transfers. |
Quick answers
Which of these apps has an IRA?
Public, Robinhood and Webull. moomoo's US broker says it does not offer IRAs, and we found none at eToro USA.
Which can I trade on at night?
moomoo and Webull Sunday to Thursday from 8 p.m. to 4 a.m. ET; Public and Robinhood from Sunday 8 p.m. to Friday 8 p.m. ET. Nasdaq opens its own overnight session on December 6, 2026.
Which has the lowest margin rate on $20,000?
On the dated tables we collected, Public at 5.15%, then Robinhood at 5.25%; Webull is 8.74% without Premium; moomoo 6.80%.
How we checked
- Each cell comes from the firm's own pages, collected for the linked data pages on the dates shown, or read October 31, 2026.
- eToro USA's transfer fee and cash rate are quoted from its fee schedule and options page.
What this page does not cover
- Which app to use, safety ratings, or app features such as charts and research.
- Crypto, futures and international stocks.
Rechecks and changes
Each row updates when its data page is rechecked; we will refresh this table with them.
- . First published.
Sources: eToro USA, fee schedule (PDF); eToro US, options; and the data pages linked in each row. This page contains no affiliate links. It is not investment advice.