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Australian investors wanting CHESS-sponsored ASX holdings · AU/NZ investors wanting simple U.S. stock/ETF access · Beginner-to-intermediate self-directed investors who value simpl…

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…

Australia: ASIC via AFSL/authorised representative; New Zealand: FMA financial advice licence and FSP registration; U.S. partner DriveWealth is SEC/FINRA regulated and SIPC member.

SEC; FINRA; SIPC; CFTC; NFA; FDIC

AU FSG lists Stake AR 1241398, Stakeshop AFSL 548196, DriveWealth SEC No. 8-69161 and FINRA CRD 165429, FinClear Execution AFSL 246842, FinClear Services AFSL 338364, Airwallex AFSL 487221. NZ site lists NZBN 9429047452152 and FSP774414.

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

Stake is an authorised representative of Stakeshop AFSL Pty Ltd; services use FinClear for Australian execution/clearing, DriveWealth for U.S. securities, Airwallex for payments/FX and K2 for Stake Accumulate.

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

Not disclosed in checked official pages; because this is not a CFD/forex broker claim, human review is needed before assigning a regulatory protection label.

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

U.S. securities are held through DriveWealth, a SIPC member; Stake also states DriveWealth sweeps uninvested USD cash to Citibank where FDIC coverage may apply. AU FSG says Stake holds Professional Indemnity Insurance for AFSL activities.

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

No general minimum deposit was found in checked official pricing, FSG, withdrawal and terms pages; trade/funding minimums apply by product/market.

$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.

Not applicable for listed securities brokerage; Stake discloses brokerage and FX fees rather than spreads for share/ETF trades.

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

Stake charges flat brokerage on AU and U.S. equity trades, with percentage pricing above 30,000 in the relevant currency.

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

AU FSG lists card funding fees: debit 0.5%, credit 2.5%. General bank-transfer deposit fee was not disclosed in checked sources.

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

AU support: Stake AUS withdrawal fee free; Wall St no withdrawal fee charged by Stake, but FX fees may apply. NZ support: no withdrawal fee charged by Stake, FX fee 1% minimum $2.

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.

Stake support says no inactivity fees nor account keeping fees regardless of portfolio size, cash balance or time away.

$0 annual maintenance/inactivity fee for standard brokerage accounts

AU customers can trade 2,500+ ASX-listed securities and 9,500+ U.S. stocks/ETFs/government bonds/OTC securities; homepage says 12K+ stocks and ETFs; Stake Accumulate is an income investment fund.

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.

Stake supports web trading at trading.hellostake.com and mobile apps on iOS/Android; minimum OS requirements are iOS 16 and Android 12.

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

AU terms define Joint Account to include account types other than individual including company, trust and SMSF; NZ terms say NZ accounts can be opened by New Zealand resident individuals over 18.

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.

Stake discloses Airwallex wallet/payment services and card funding via debit/credit cards including Apple Pay and Google Pay; bank-transfer deposits must be from an account in the customer's own name.

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.

Withdrawals go to one linked bank account in the account holder's name and cannot be sent to third-party accounts; AU withdrawals are paid in AUD.

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

Recent deposits, transfers or sell proceeds need to clear first, usually 2-3 business days; processing times may vary.

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.