Public matches 1% of eligible contributions to a Traditional or Roth IRA, up to the IRS annual contribution limit, worth up to $70 per year, or $80 with the age-50 catch-up.
Researched and rated by the BrokerBonuses editorial team · Last verified 2026-07-03 · How we rate
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Availability
Checking availability…The catch
The match is real cash inside the IRA, treated as interest income rather than a contribution. It must stay in the account for five years; withdrawing during that window costs an Early Removal Fee equal to the match on the amount removed, and early IRA withdrawals can carry their own IRS taxes and penalties.
How to claim
- Open a Traditional or Roth IRA on Public and keep your accounts in good standing.
- Make one-time or recurring contributions of at least $1.00, up to your IRS annual contribution limit.
- The 1% match is credited automatically within about 30 days of each contribution settling.
- Keep the funds in the IRA for five years to avoid the Early Removal Fee.
Full review
Public's IRA Match Program pays a 1% cash match on eligible contributions to a Public Traditional or Roth IRA. Eligible contributions are new deposits of at least $1.00, one-time or recurring, initiated by you during the offer period; dividends, rewards, chargebacks, and anything above your IRS annual contribution limit do not count.
Because the limit caps what can be matched, the realistic maximum is about $70 per year at the standard $7,000 limit, or $80 with the $8,000 age-50 catch-up. The match lands within about 30 days of each contribution settling, and Public treats it as interest earned by the IRA, so it does not eat into your contribution limit.
The catch is the holding rule: matched funds must stay in the account for five years. Any removal of funds during that period triggers an Early Removal Fee equal to the match received on the amount removed, on top of any IRS penalties an early IRA withdrawal itself may carry.
The contribution prong of the Match Program has run since March 24, 2025 with no announced end date, and Public still promotes it on its IRA page. The companion 1% match on account transfers and rollovers ended on May 31, 2026.
Pros
- +The match is treated as interest income, so it does not count toward your IRS contribution limit.
- +Applies to both Traditional and Roth IRAs, with recurring contributions supported.
- +Automatic; no promo code or enrollment step beyond contributing.
- +Standing program with no announced end date, unlike Public's transfer match.
Cons
- −Capped by the IRS contribution limit, so the realistic ceiling is about $70 to $80 per year.
- −Five-year hold, with an Early Removal Fee equal to the match on anything withdrawn early.
- −Early IRA withdrawals can also trigger IRS taxes and penalties on top of the fee.
- −U.S. residents only, and it cannot be combined with other Public promotions.
1% match up to $70 with Public.com
Now you know the terms. Claim it on the broker's own site.
Sources & verification
We research every bonus from the broker's official pages and re-check it on a 60-day schedule.
Confirmed against official sources: status, type, Bonus amount, Minimum deposit, Hold requirement, Withdrawal terms, Time limit, Eligible countries, Account type.
Broker regulation: SEC (license B-66049), FINRA (license 127818), SIPC (license Member).
- Bonus terms and conditions: public.com ↗
- Public.com official site: public.com ↗
Last verified 2026-07-03. Next review within 60 days.