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Australian residents wanting NAB integration · ASX shares and ETFs · selected US/UK/Hong Kong/Germany international share access

Best suited for U.S.-centric investors and active traders who want a large, bank-affiliated multi-asset brokerage with $0 online listed stock/ETF commissions, strong platform dept…

Australian Securities and Investments Commission (ASIC) / Australian financial services licence regime

SEC; FINRA; SIPC; CFTC; NFA; FDIC

AFSL 230704 (WealthHub Securities Limited); AFSL 230686 (National Australia Bank Limited)

Charles Schwab & Co., Inc. CRD 5393; SEC 801-29938 and 8-16514

WealthHub Securities Limited ABN 83 089 718 249 AFSL 230704; parent National Australia Bank Limited ABN 12 004 044 937 AFSL 230686

Charles Schwab & Co., Inc.; Charles Schwab Futures and Forex LLC; Charles Schwab Bank, SSB; Charles Schwab Premier Bank, SSB

Not applicable to the core cash stock/ETF investing service; margin lending is separate and carries loan risk.

Not disclosed as retail brokerage negative balance protection; futures/forex are leveraged and losses may exceed initial investment.

Professional indemnity insurance maintained as required under the Corporations Act; no separate investment compensation scheme identified in sources.

SIPC protection up to $500,000 including a $250,000 cash limit for brokerage account assets; futures accounts are not protected by SIPC.

No minimum balance for cash/high-interest accounts; first ASX-listed company trade generally requires a $500 minimum marketable parcel.

$0 minimum for standard U.S. brokerage and IRA accounts; Schwab One International accounts require a minimum deposit but amount is not disclosed in checked official pages.

International trades incur a foreign exchange conversion spread of 0.50% to 0.80% of transaction value on the pricing page; FSG says NAB may charge an FX spread up to 3% embedded in exchange rate.

Not applicable to this stock/ETF investment broker profile; no CFD/FX spread schedule identified as a core product in reviewed sources.

Domestic shares online: AUD 9.95 up to $1,000; AUD 14.95 $1,000.01-$5,000; AUD 19.95 $5,000.01-$20,000; 0.11% over $20,000. Phone: $59.95 or 0.55%, whichever greater.

stock_commission: $0 online commission for listed stocks and ETFs; OTC equities $6.95; broker-assisted service charge $25; etf_commission: $0 online commission for listed U.S.-exchange ETFs; options_commission: $0 online base commission plus $0.65 per options contract; futures_commission: $2.25 per contract, per side, for futures and futures options; exchange, regulatory, overnight, NFA, and market-data fees may apply; mutual_fund_commission: $0 on thousands of Schwab Mutual Fund OneSource funds; all other mutual funds up to $74.95 per purchase; bond_commission: New-issue bonds/CDs: $0 online/selling concession included; Treasuries online $0; most other secondary bonds $1 per bond with $10 minimum and $250 maximum; forex_commission: $0 commission; forex trade costs are reflected in the bid/ask spread

No ongoing account fees or minimum balance for Cash Account / High Interest Account; deposit-specific fees not separately disclosed.

$0 for funds entering a standard brokerage account; banking deposit services generally no monthly/account minimum fees, but certain services can have fees

No standard EFT withdrawal fee found in reviewed pricing; other account/banking fees may apply for special services such as cheques, statement reissues and certificates.

No fee for routine withdrawals from standard brokerage per FAQ; full outbound ACAT $50 and outgoing wire $25; Schwab Bank Investor Checking has unlimited ATM fee rebates for cash withdrawals worldwide, subject to conditions.

No inactivity fee found in reviewed official pricing / FSG; not expressly disclosed as a standalone fee.

$0 annual maintenance/inactivity fee for standard brokerage accounts

Domestic equities, ETFs, warrants, mFunds, ETOs, bonds/interest rate securities; international equities and some ETFs; fixed income, hybrids, LICs, REITs and capital raisings pages are available.

Stocks; fractional shares; ETFs; mutual funds; bonds/CDs/fixed income; money market funds; options; futures; futures options; forex; international stocks/ADRs/foreign ordinaries; cash products; annuities; alternatives; crypto ETPs/securities/futures.

Desktop web platform, mobile app, and IRESS ViewPoint active trader platform

Schwab.com; Schwab Mobile; thinkorswim desktop; thinkorswim web; thinkorswim mobile; paperMoney

Individual, Joint, Company and SMSF/Trust accounts

Individual Brokerage; Joint Brokerage; Schwab One Brokerage; Investor Checking-linked brokerage; Futures Account; Global Account; IRAs; custodial, education, trust, estate, organization, and business retirement accounts; Schwab Intelligent Portfolios.

Fund Cash Account by instant transfers from linked NAB accounts, fund transfers, or BPAY from external bank accounts.

ACH/electronic transfer/MoneyLink; wire transfer; check/mail check; Schwab Mobile Deposit for checking; direct deposit for checking; account transfer/ACAT; branch/in-person deposit where available.

Transfers out via EFT only for external accounts; BPAY out and Direct Debit are not supported. Transfers to linked nabtrade/NAB accounts supported.

Transfer to linked bank/checking; wire transfer; check; ATM/debit card for Schwab Bank Investor Checking; ACAT outbound account transfer.

Linked NAB/nabtrade transfers can be instantaneous/unlimited; external transfer processing time not fully disclosed on public pages reviewed.

Cash moved from brokerage to linked Investor Checking is generally available in seconds, but weekend/after-hours transfers may not be available until the next business day; other withdrawal methods vary/not fully disclosed on checked pages.