Beginning on 9/14/2026, Public offers a 1% Match for customers who transfer eligible accounts to us. When you move your brokerage account, IRA, or 401(k) to Public, you'll receive a match equal to 1% of the total value of the assets you transfer.
There's no cap. Whether you transfer $5,000 or $5 million, you'll receive 1% of the transferred amount.
Eligible transfers include account transfers such as an ACAT transfer into a Public brokerage account and transfers/rollovers from an outside retirement account into a Public IRA. Your match is based on the value of the cash and securities you bring over as of the day your transfer settles.
How your match is paid:
It's credited in up to 60 equal monthly payments spread over five years. Your first payment lands about a month after your transfer settles, and payments continue on (roughly) the same day each month after that until the full match has been paid out.
Once you receive each payout, those funds are yours. No hold period, no clawbacks.
Keep earning your full match:
You can buy, sell, and trade freely within your account without affecting your match. It's tied to keeping your money at Public, not to how your investments perform, and market gains or losses never change how much of your account is eligible for the match.
If you already had money at Public before your transfer, or add other funds afterward that are not part of the transfer, that money can be withdrawn first without affecting your match. Once those unmatched funds are gone, any further withdrawal reduces the amount eligible for your match dollar for dollar, which lowers your future monthly payments. Any reduction is permanent.
If you close the account that received your transfer, any match payments still owed on that transfer will stop.
Transfer fee reimbursement:
If your old brokerage charges you a fee to transfer out, and your transfer is worth $5,000 or more, we'll reimburse you up to $100.
What to expect after you start your transfer:
We'll confirm your transfer has been initiated within 1 to 3 business days and reach out if we need anything else from you. From there, most transfers complete within 10 business days, depending on your previous brokerage, and we monitor the process the whole way.
Getting started:
Open the Public app and switch into the account you want to transfer to, then select the menu icon, then hit Transfer to Public, and follow the steps to begin your transfer.
Full program terms and conditions can be found here and are subject to change at any time: public.com/disclosures/matchprogram
Our member support team is always here for you, so please feel free to reach out with any questions via chat or email at support@public.com.
To learn more about Public’s transfer match promotion, please see the terms of the ACATS & IRA Match Program. The match is paid in monthly installments over 60 months, beginning approximately one month after your transfer settles. Withdrawals, transfers out, and other removals of assets from your Public accounts will reduce your remaining match payments. The match is not a recommendation to transfer or roll over any account. Before requesting a transfer to Public, please consider all fees charged by the delivering brokerage firm and any liquidations required by the delivering firm before the transfer can be completed. Certain assets that are not supported by Public will be ineligible for transfer.