Charles Schwab

Charles Schwab Review

Charles Schwab: A massive online broker that is continuing to improve and grow

Top Rated For:

  • Best Online Broker for ETFs
  • Best ETF Screeners

Charles Schwab continues to be one of the leading online brokerage platforms. The company has been at the forefront of the industry’s move to commission free stock and ETF trading and completed two large acquisitions last year, with TD Ameritrade being most notable. Schwab has brought on an additional 15.8 million customers in the past year, so it is not a niche player in the industry. Schwab has customers spanning the entire range of investor types, from novice to very sophisticated.

As such, Schwab has a variety of platforms available to meet the diverse needs of its customers. Schwab brokerage platforms include a browser-based platform with, a sophisticated and highly customizable workstation, and mobile offerings. However, customers trading exclusively in options or actively trading on margin, as well as those wishing to trade FX, cryptocurrencies, or futures may find better options elsewhere. We’ve also reviewed the Charles Schwab Intelligent Portfolios robo-advisor service separately.

Investing in cryptocurrencies, Decentralized Finance (DeFi), and other Initial Coin Offerings (ICOs) is highly risky and speculative, and the markets can be extremely volatile. Consult with a qualified professional before making any financial decisions. This article is not a recommendation by Investopedia or the writer to invest in cryptocurrencies nor can the accuracy or timeliness of the information be guaranteed.


  • Schwab offers tools and product offerings for all investors and traders
  • The broker enjoys strong trade execution and provides excellent screeners for stocks, ETFs, and mutual funds.
  • Schwab offers the wide breadth of news, research, calculators, and education that is expected from large, established online brokers.
  • Schwab offers a broad mix of products and tools, but limited offerings in cryptocurrency, and no forex trading
  • Customers have to actively opt in for returns on uninvested cash.
  • Schwab’s acquisition of TD Ameritrade’s online brokerage will combine another deep tool set and eventually give traders access to the trading engine thinkorswim.

Who Charles Schwab Is For

Charles Schwab is a full service broker with more than $6.6 trillion in client assets on its platform. The company’s growth through acquisition means TD Ameritrade’s thinkorswim trading engine will eventually be available to Schwab’s customers. The TD Ameritrade trader-focused platform will be joining Schwabs StreetSmart online trading platform that already meets the needs of less intense investors. The wide range of financial products offered by Schwab is similarly sufficient for the average investor, but may not be the best choice for active options traders or those who want trading access to forex (FX), cryptocurrency, and futures markets.


  • Multiple platforms to meet needs of diverse customer base
  • Free stock and ETF trading
  • Full service with live customer support, news, research, stock/ETF screeners, educational tools
  • Ability to add external accounts to the platform for a more complete financial picture
  • Robo-advisory services, and a physical branch network


  • Still no automated cash sweep to a money market account.
  • Charges for option trading may be prohibitive for active options traders–especially those using multiple leg strategies
  • Cryptocurrency trading is limited to Bitcoin futures, there is no FX trading, and futures require a separate platform
  • Margin rates are higher than some competitors

Pros Explained

  • Schwab, with very deep resources and a commitment to multiple customer types, is an excellent choice for most investors. The broker also has multiple options for traders to access their account. These include a web-based interface, a mobile app, and a desktop application providing higher levels of customization and more sophisticated trading, charting, and analysis tools.
  • Stocks and ETFs can be traded for free at Schwab, and they continue to provide improved price execution on more than 96.6% of trades1.
  • Schwab offers excellent customer service with live support via phone or chat, as well as all the information and tools the majority of people would need. In addition to account and position tracking and a full suite of calculators and reports, Schwab customers have free access to news, research, stock screeners and charting, as well as educational support and live content offerings during the day and through its retail branch network.
  • Schwab allows its customers to see a full picture of their finances by allowing them to see all their assets in one place on Schwab. Assets held outside of Schwab can be shown through a free aggregation service that allows customers to enroll investment and bank accounts, plus credit cards, loans, mortgages, and real estate from more than 15,000 financial institutions.
  • Schwab’s digital investment advising service, Intelligent Portfolio, is free for all accounts with at least $5k in assets, and there are no fees or commissions. Schwab’s Intelligent Portfolio Premium offering is available for accounts with at least $25k, and has a one-time planning fee and a monthly advisory fee.2

Cons Explained

  • Schwab continues its practice of sweeping excess cash balances to banks, even though they offer lower interest rates than money market funds. Customers need to act proactively if they want to sweep excess cash into higher yielding money market funds at Schwab.
  • Options traders utilizing spreads and other multi-leg strategies such as butterflies and condors may want to look for more competitive rates elsewhere. At Schwab these traders pay the $0.65 per contract commission on each leg. While both the workstation and mobile app accept four leg options strategies, only the workstation provides more sophisticated options analysis tools.
  • Schwab’s foreign exchange and cryptocurrency offerings are weak or non-existent. Schwab only offers futures/options on futures trading in Bitcoin through futures/options contracts at CME Group, and they only exchange foreign exchange for foreign stock purchases (for a fee). While Schwab does offer futures trading, it requires a separate platform that active futures traders may not like.
  • Schwab’s base rate is currently 7.25% for balances above $500,000 with effective rates between 7.325 and 9.075 percent. Those trading on margin may prefer lower rates available elsewhere.3


Like all the online brokers, Charles Schwab struggles to contain all the features and platforms it has aimed at different types of investors. Overall, site navigation across Schwab’s multiple platforms is largely intuitive and the account setup process only takes ten minutes online. The platforms include:

  • The website.
  • StreetSmart Edge, a desktop workstation that is highly customizable.
  • The Charles Schwab mobile application.
  • A less-used mobile app called StreetSmart Mobile
  • The StreetSmart Central platform that Schwab has streamlined for investors who are trading futures and options.4

The good news is that the overview of the platforms is more complicated than actually using them. Schwab does a nice job of allowing its customers to see all of their assets on its site, even assets outside of Schwab’s platform by providing a free aggregation.

Checking balances, checking positions, and obtaining position-specific research can all be done with a simple click. Choosing one of your portfolio holdings or entering a symbol provides current news for that security as well as other information including charts, ratings, earnings, financial statements, peers, ratios, dividends, and research reports. So, all the information is right at your fingertips in an intuitive way across platforms. Calendars showing earnings and economic releases, with expectations and actuals, is available on the website, and the Edge workstation links to that web page. The mobile platform doesn’t have this level of robust information as easily available, which is to be expected with its position entry and monitoring focus.

Trade Experience

All platforms have real-time data streams. Edge and the website have drawing tools available for charts, but the web version is limited compared to the downloadable platform. Trades can be entered from a chart in Edge by clicking a trade button in the corner of the chart that launches an order entry window. There are no drawing capabilities for charts on mobile. Multiple orders can be staged on the website and Edge, but not through the mobile app.

StreetSmart Edge offers impressive customization options, including what information you want in the top account balances line, the ability to save specific stock or ETF searches, and customized order tickets. Preferences and stock/ETF/mutual fund screens can also be saved on the website. StreetSmart Edge is the only Schwab platform that shows profit and probability graphs for options strategies. Both StreetSmart Edge and the mobile platform allow for trading four leg options strategies such as butterflies and condors using nice dropdowns that allow the user to choose the strategy where an order ticket is created to match the chosen options strategy (vertical, calendar, ratio spreads, butterfly/condor, etc.).

The website only allows options trading in basic and spread positions consisting of two legs. StreetSmart Edge is also the only platform option for contingent and conditional orders. The website and mobile would not allow entering a limit order with a contingency that, upon execution of the limit order, a one-cancels-the-other (OCO) order is created to add both a stop loss and profit taking order against the new position.

Mobile Trade Experience

The mobile app works well, but has some obvious limitations for serious traders. This includes not being able to enter contingent orders and limited charting ability. That said, the basic actions that the average investor looks for like obtaining balances, getting news and research on securities, and entering trades were easy and intuitive. The mobile app provides a chart, the Schwab research rating, a quote summary, news, information such as earnings (and next earnings announcement), and market capitalization and margin requirements for individual securities. An easy dropdown menu for options orders makes setting up a spread or four leg option strategy easy, but there is no profit graphing or similar analytics to what is available on the workstation.

The mobile app defaults to the summary view (brokerage and futures totals) and you can either click on an account or click positions from the menu at the top left. The “Markets” page on the mobile app contains a good snapshot of the markets, sectors, and also a listing of breaking news along with Schwab’s own market updates. Stock specific news is available when bringing up an individual stock or ETF, and news can be filtered. Traders and active investors will likely default to the StreetSmart Edge platform, but less demanding investors can reasonably invest and monitor portfolio positions solely through the mobile app.

Range of Offerings

Charles Schwab has a very wide range of securities available on its platform and the asset classes most investors expect are all here. Schwab also offers fractional shares, allowing investors with less capital to get exposure to stocks with a high price per share. On the downside, Schwab’s only cryptocurrency offering is Bitcoin futures, so active traders in the cryptocurrency market will want to look elsewhere. While Schwab has futures trading, and Fidelity does not, it requires the use of a separate platform (the less-used StreetSmart Mobile or the web-based StreetSmart Central), so it could be cumbersome for active futures traders. Schwab also does not offer foreign exchange trading, although they do provide fee-based foreign exchange services related to international stock purchases.

  • Stocks long and short (2,864 stocks are currently on Schwab’s Easy To Borrow list for short sales)
  • OTCBB (Penny stocks)
  • Mutual funds (no-load–9,860 funds, no transaction fee–4,220 funds)
  • Bonds (Corporate–18,000 unique offerings; Municipal–nearly 70,000 unique offerings; Treasury–nearly 400 unique offerings, CDs–nearly 20,000 unique offerings; International–access to foreign bonds publicly offered and sold in the US, exempt supranational, and foreign bonds offered and sold overseas under Regulation S.)
  • Futures/Commodities
  • Futures options
  • Simple and multi-leg options up to 4 legs (spreads, butterflies, condors) (Edge and Mobile, not website, where limit is two option legs)
  • Robo-advisory/Intelligent Portfolio Builder (managed via the website, but account is viewable on mobile)
  • Full service investment advisor services and a wide retail/physical presence
  • Fractional Shares (for as little as $5)5
  • International (Schwab Global Accounts can purchase stocks in 12 non-U.S. markets in eight currencies AUD; CAD; EUR; GBP; HKD; JPY; NOK; USD. Fees apply on foreign exchange transactions for purchasing foreign stocks)6

Order Types

Charles Schwab offers all basic order types, including market, limit, stop, and trailing stops, as well as market if touched (MIT), market on close (MOC), market on open (MOO) type orders. All or none (AON), fill or kill (FOK), and immediate or cancel (IOC) orders are also available, while tax lot selection for closing positions can be done at the individual lot level or by using a rule such as first in, first out (FIFO) or last in, first out (LIFO) at the account level. StreetSmart Edge allows traders to enter more sophisticated orders, such as a limit order with a OCO contingent order such a stop loss and a profit taking level.

Trading Technology

Charles Schwab utilizes a proprietary wheel-based router for order management purposes, such as handling exchange outages, performing real-time execution quality reviews and handling volatile markets. Most orders in stocks and multiple-exchange listed options are routed to third-party wholesalers, balancing execution quality in terms of increased price improvement and improved execution quality statistics with its own cost savings. Quarterly information regarding execution quality is published on Schwab’s website.7

There is no trading simulator available to Schwab clients, nor is there the capability to automate and backtest a trading system.


Charles Schwab’s costs are reasonable considering the wide offering to customers. There is no cost to trade equity and ETFs, and you get streaming quotes, good functionality, tools, calculators, and educational resources, as well as news and research with the package. The free aggregation service is also appealing for those wishing to see their entire financial picture in one place. While options charges are not excessive at $0.65 per trade, active options traders, especially those utilizing multiple leg options strategies, may find a better deal elsewhere. Similarly, those trading on margin may prefer lower rates available elsewhere.

  • No commissions for online trades in equities, ETFs, or OTCBB trades
  • Options are $0.65 per round trip, per contract. There are no per-leg fees on options
  • Trade 20 contracts, round trip. Commission is $13.00 ($0.65 x 20)8
  • Sell covered call on 500 shares: 5 options contracts, commission $3.25 ($0.65 x 5)
  • Fixed Income: no commission for T-Bills, Notes, Bonds, Treasury inflation-protected securities (TIPS), and new CD issues. Secondary market transactions for corporate, municipal, agency, and zero coupon bonds and CDs is $1 per bond, with a $10 minimum and $250 maximum commission.
  • Margin rates are based on account size, by breakpoint: Under $25K 9.075%; $50K 8.575%; $100K 7.625%; $250K 7.575%; $500K 7.325%. 3
  • Mutual Funds: No commission on Schwab’s Mutual Fund OneSource platform funds when done online; up to $49.50 for other mutual funds
  • International stocks: currency transaction fees apply based on amount converted, with rate based on transaction size tiers; 100 bps if <$100K; then 75 bps to $250K; 50 bps to $500K; 30 bps to $1 million; and 20 bps if >$1 million
  • Account Size and Fees:
  • Basic Accounts: No minimum account size for basic accounts.
  • Schwab Intelligent Portfolios:
  • Basic Platform: $5,000 account minimum, no advisory fee or commissions
  • Premium Platform: $25,000 account minimum; one time planning fee of $300; and monthly advisory fee of $30
  • Schwab Private Client Accounts: $1 million account minimum. Fees start at 0.80% and move lower based on asset levels
  • Futures: $1.50 per contract
  • $25 additional fee per trade if placed with a live broker (no fees for broker assisted futures trades)
  • No maintenance, minimum account, inactivity, or software access fees
  • No deposit, withdrawal, account closing (other than ACAT cost), check, or direct deposit fees. There is a $50 full transfer fee and a $25 partial transfer fee.
  • Wire fees are $15 per transfer for online requests; $25 per transfer for phone/paper requests

How This Broker Makes Money From You and for You

The race to zero fees has increased competitive pressure in the asset management industry and changed the business model for many online brokers. However, $0 commissions does not mean that everything is free, as brokers can still make money from you (and for you) in less obvious ways.

  • Price Improvement: Charles Schwab uses proprietary technology to route orders and the broker rates highly for obtaining price improvement on customer orders. Schwab’s website indicates their first priority on routing orders is to obtain good execution for clients, and they appear to largely do this. Schwab reports achieving price improvement on 96.6% of orders, an average of $27.68 in savings per order, and average execution speed of 0.04 seconds. 1
  • Payment From Order Flow (PFOF): Commission free trading in stocks and ETFs, streaming quotes and other client amenities has Schwab obtaining revenue elsewhere. Schwab does receive PFOF and the figures are disclosed on the website.9
  • Portfolio Margining: Qualifying accounts also can benefit from portfolio margining that lowers margin cost based on overall risk in a portfolio, and a stock loan program where Schwab shares revenue with clients that allow shares in their account to be lent out. Margin rates are not especially competitive.
  • Interest on Cash Balances: Schwab also generates significant revenue from excess cash in accounts that are by default put into bank accounts instead of higher paying money market funds. While these bank deposits are insured for more than federal protection levels through Lloyds of London insurance policies Schwab takes out, they pay lower rates than money market funds that other brokers automatically put customer cash into. Schwab customers need to be proactive if they want their excess cash put into higher yielding money market funds.

Account and Research Amenities

Schwab, as a leading brokerage firm catering to a broad customer base, has a comprehensive set of amenities to support its clients

Stock Screeners

Charles Schwab has sophisticated screeners with pre-built screening reports, as well as the ability to create customized stock screens by price, company performance, valuation, financial strength, and even technical indicators. There are 11 built-in screens for Stocks/Equities on the website, and StreetSmart Edge has 30 pre-built stock screening reports.10

There is also an Idea Hub on StreetSmart Edge that helps customers scan for options trading ideas, and there is the ability to build and save customized security screens in Edge and the website. The mutual fund and ETF screeners can also filter for socially responsible investments (SRI), and Edge also has another screening tool built into the workstation, rather than a pop-up similar to the website.

ETF and Mutual Fund Screeners

Charles Schwab’s website has 16 built-in ETF screens, and 11 screens for mutual funds. StreetSmart Edge also has the ETF screener, but the mutual fund screener needs to be accessed from the website. StreetSmart Edge has its own screener that has a number of predefined screens, and the ability to customize screens based on user-determined criteria, but some of the screens pop up a screen of the same functionality of the web pages. Schwab’s screeners can also look for ETFs and Mutual funds that are socially conscious. Schwab also has a dedicated area for its own mutual funds.

Options Screeners

The options page has tabs for trading, viewing option chains, a set of screeners that includes pre-defined screens for stocks that meet user-defined criteria such as high P/E ratios, volatility, put-call ratio, and others. The user can also set up their own screen that can be saved. There are also option trade assessors, and a strategy builder, and even a strategy finder that suggests a trade based on what the customer thinks is going to happen, such as higher or lower prices, timeframe, volatility expectations and other criteria. However, options strategies are limited to basic spreads on the website. There is also an Idea Hub on StreetSmart Edge that helps identify options trading opportunities.

Fixed Income Screeners

The fixed income screener allows the user to select a bond type, such as corporate, municipal, treasury, agency and use secondary menus to look at industry or sector, or states for municipals. Maturity dates, coupon, price, and ratings are available filtering options. Schwab also has a CD and treasury ladder builder.

Tools and Calculators

Schwab customers also have access to a very wide variety of calculators and tools for everything from margin, portfolio analysis and allocation, retirement and income guidance, tax efficiency, and options pricing probabilities to name a few. Similarly, there are multiple reports available and easy to access, such as for tax reporting.

Trading Idea Generator

An Idea Hub provides ideas in different areas of the market utilizing predefined screens that include open interest, volatility, volume, earnings calendar, and even provide good candidates for covered calls strategies. Schwab also has an options strategy finder based on the users expectations for a security related to price direction, timing, volatility, risk, and other factors.

News and Research

All the brokerage platforms provide Schwab research, as well as multiple other sources, such as Morningstar and Reuter’s Analyst Opinion Information that shows a survey of analyst ratings for a stock. Similarly, multiple news offerings are provided in addition to Schwab’s deep offerings, and that information can be filtered and various sources included or not. Associated Press, Business Wire, GlobeNewswire, and are among the offerings. Other news and research is also available for a fee, and many of these services have extended trial periods available.


Charting features on the website and mobile are limited, with considerably more charting functionality available through StreetSmart Edge, including the ability to hit a trade button right on the chart to open an order window with order entry that provides assistance and analysis for options strategies. StreetSmart Edge also provides charting on Recognia, and allows journaling of trading activities with notes and snapshots of charts. Schwab does not, however, offer paper trading or backtesting of strategies.

Dividend Reinvestment Program

Schwab customers can specify dividend reinvestment for dividend-paying stocks.

Cash Management

Excess cash in Charles Schwab accounts are put into bank accounts instead of higher paying money market funds. These accounts pay lower rates than money market funds that other brokers automatically put customer cash into. Schwab customers need to be proactive if they want their excess cash put into higher yielding money market funds.

SRI/ESG Research Amenities

Schwab supports investors interested in socially responsible investing. Schwab’s robust screeners for mutual funds and ETFs offer an SRI filter option, so investors can set up highly customizable searches that limit results to socially responsible options. My quick filters for US equity mutual funds and ETFs that meet the SGI criteria returned more than 120 options in each category. Schwab also has separately managed accounts that focus on socially responsible investing.

Portfolio Analysis

Charles Schwab has all the portfolio analysis tools one would expect, including calculators of all kinds, including margin, portfolio mix, retirement and income guidance, tax efficiency, life events, options pricing and probabilities. Real-time information is available for portfolio balances, margin and buying power calculations, and most analysis, and there are tools for portfolio rebalancing, benchmarking, internal rate of return, and tax impact analysis and other tax accounting tools. There is also real-time information for short and long term capital gains, gains/losses net of deposits and withdrawals, while realized gains and losses use historical pricing based on transaction price and provide the date and price information on the original transaction for wash sales.

The ability to aggregate financial information from other institutions, as previously outlined, is a nice feature allowing customers to see a fuller picture of their financial condition. Trading journals are also available, although strategy backtesting is not currently offered.


As a company looking to provide services across the Schwab also provides a great deal of information and content for investors and traders, including an average of five hours of daily live programming, discussing trading strategies, wealth management, economic analysis, and a number of articles and event specific investing topics such as investing for retirement and college11.

There are many articles and plenty of helpful content about specific products, investing topics, and life goals such as investing for retirement and college.

Customer Service

  • Customer service is available to potential and existing customers by phone or chat with a live person 24/7. The average hold time was 102 seconds.
  • You can also speak with a broker, with a surcharge for trades placed through the broker.
  • The chat feature and customer service by phone provided helpful and timely support.
  • The website has a most commonly asked questions area broken out by topic that was easy to navigate and had a lot of information.

Security and Reliability

  • Schwab’s platforms are secured according to industry standards.
  • Two-factor authentication available on all platforms, as well as fingerprint or facial biometric entry on the mobile app.
  • Customers can choose between a physical token or a soft token delivered via mobile app for two factor authentication.
  • Schwab’s systems are very reliable, having had platform performance in excess of 99.9%.
  • Schwab also provides a security guarantee, and there have been no data breaches publicly disclosed on Schwab’s website.


Pricing structures, fees, and information outlining leverage and margin trading were all well displayed and disclosed on Schwab’s website8. Schwab breaks down these costs by intuitive sections that include trading fees and commissions; account fees and minimums; investment management fees and minimums; and money management fees. The leverage and margin sections included video and text information outlining the benefits and risks associated with leveraged trading, and provided an explanation of a margin call. Beyond the fee schedule, Schwab also provides content related to their services, fees, and obligations, as well as a section explaining mutual fund fees.

Schwab provides detailed information about their order routing process, including their focus on putting the customer first and getting the best execution through their proprietary order routing system. Schwab also provides statistics on price improvement and average savings per order for customers, but does not disclose that they receive payment for order flow in this same section of the website. Schwab’s position is that their execution efforts benefit customers, but they are reluctant to disclose their payment for order flow, even though that revenue is what helps Schwab provide customers with commission free trading and the many other amenities it offers.

Our Verdict

Charles Schwab has long been one of the largest operators in the online brokerage space, and this position has been further bolstered through the recent acquisition of TD Ameritrade. Its large size and economy of scale allows Schwab to provide its diverse client base with a wide range of products, services, education, and support for nearly all investor types, especially relating to equities, mutual funds, ETFs, and fixed income. Schwab offers free trading and streaming quotes for stocks and ETFs, and web, desktop, and mobile applications that are mostly intuitive and work smoothly. Considering it is such a large website and there is so much content available, Schwab does pretty well with its website navigation and corresponding menus; these menus contain a lot of choices, but they were set up by category and mostly intuitive.

While Schwab’s breadth of services, low costs for equity and ETF trading, and full suite of services is a good choice for the majority of investors and traders, Schwab may not be the best choice for some smaller subsets of the investing/trading universe. This includes high volume options traders because of the $0.65 commission per leg, futures traders because of the need for a separate platform, those trading on margin because lower rates are available elsewhere, and people looking for opportunities to trade currencies or cryptocurrencies not currently available at Schwab.

Compare Charles Schwab to Other Brokers

As Charles Schwab is among our top picks for brokerage services, we have the following direct comparisons between Schwab and other top brokers:

  • Charles Schwab vs. Vanguard
  • Charles Schwab vs. E*TRADE
  • Charles Schwab vs. TD Ameritrade
  • Charles Schwab vs. Fidelity

Which Charles Schwab Account Should I Open?

Charles Schwab offers the full spectrum of account types, from the commonly used individual retirement accounts (IRAs) and taxable individual brokerage accounts to 529 plan and custodial accounts12. The account you choose depends entirely on the investing goal you have in mind. If you are just looking for a taxable brokerage account for trading, the standard Schwab One account gives you access to stocks, fractional share trading, ETFs, and so on. If you are looking for a brokerage account with more international options, however, you will likely lean towards the Global Account which gives you access to 12 international markets in local currency.

If retirement is the goal of the account, Schwab has the Roth IRAs, traditional IRAs, rollover IRAs, inherited IRAs, simplified employee pension (SEP) IRAs, and more. Saving for a child’s education is also covered by multiple account types. Simply put, Charles Schwab has all the account types you’ll need for your specific investment goals.

Learn the Basics of Trading and Investing

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Investopedia is dedicated to providing investors with unbiased, comprehensive reviews and ratings of online brokers. Our reviews are the result of months of evaluating all aspects of an online broker’s platform, including the user experience, the quality of trade executions, the products available on its platforms, costs and fees, security, the mobile experience and customer service. We established a rating scale based on our criteria, collecting thousands of data points that we weighed into our star-scoring system.more details for Click here

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