Savings comparison
Ally vs Public
Updated
Before you compare: This compares features and fees from each company's own pages. It isn't investment advice, and investing involves risk, including loss of money.
Full disclosure: Taylor Price, who runs Priceless Tay, owns Fifecta, so keep that in mind as you read this comparison.
Short answer
Ally is a savings account and Public is an investing app. Ally charges no monthly maintenance fees on its savings account, while Public's Generated Assets portfolios list a management fee of 0.49% a year (its Dividends portfolio page, for example). We checked both on Oct 24, 2026, and the official sources differ on 2 of the 14 rows in the table below.
Ally vs Public at a glance
Ally is a savings account and Public is an investing app. This page puts what each company's official pages and app store listings say side by side, with the date we checked every fact. The sources differ on 2 of the 14 rows in the table below.
Price and fees
Ally charges no monthly maintenance fees on its savings account. We haven't verified this for Public yet, so check the official site for Public before you decide. We checked Ally on Oct 24, 2026.
Management or subscription fee
Public's Generated Assets portfolios list a management fee of 0.49% a year (its Dividends portfolio page, for example). We haven't verified this for Ally yet, so check the official site for Ally before you decide. We checked Public on Oct 24, 2026.
APY or rate
Ally lists 3.20% APY, correct as of Oct 23, 2026. Ally says the rate is variable. Ally says the same APY applies across all balance tiers, with no minimum balance requirement. We haven't verified this for Public yet, so check the official site for Public before you decide. We checked Ally on Oct 24, 2026.
Opening and balance minimums
Ally requires a $0 minimum opening deposit and has no minimum balance requirement. We haven't verified this for Public yet, so check the official site for Public before you decide. We checked Ally on Oct 24, 2026.
Account minimum
Public says the minimum investment for Generated Assets like its Dividends portfolio is $1,000. We haven't verified this for Ally yet, so check the official site for Ally before you decide. We checked Public on Oct 24, 2026.
Stock and ETF commissions
Public says it offers $0 commission trading on self-directed individual cash brokerage accounts for US-listed securities placed online. Regulatory, subscription, wire transfer and paper statement fees may still apply. We haven't verified this for Ally yet, so check the official site for Ally before you decide. We checked Public on Oct 24, 2026.
Account types
Public lists these account types: Traditional & Roth IRAs and Crypto IRAs. We haven't verified this for Ally yet, so check the official site for Ally before you decide. We checked Public on Oct 24, 2026.
Fractional shares
Public says it supports fractional shares, so you can invest in any stock with any dollar amount. We haven't verified this for Ally yet, so check the official site for Ally before you decide. We checked Public on Oct 24, 2026.
Automatic investing
Public says you can schedule recurring buys in any stock, ETF or crypto, for any amount, weekly, biweekly, monthly or on a custom cadence. We haven't verified this for Ally yet, so check the official site for Ally before you decide. We checked Public on Oct 24, 2026.
Managed portfolios (robo)
Public offers Generated Assets portfolios, rebalanced quarterly (its Dividends portfolio, for example). We haven't verified this for Ally yet, so check the official site for Ally before you decide. We checked Public on Oct 24, 2026.
Protection
Ally Bank is a Member FDIC, and deposits are insured up to the maximum allowed by law. Public Investing is a member of SIPC. Securities in your account are protected up to $500,000. We checked both on Oct 24, 2026.
Features
Ally lists goals. We haven't verified the features for Public yet. We checked Ally on Oct 24, 2026.
App store rating
Ally Bank Savings has 4.7 out of 5 on the App Store from 114,147 ratings. Public has 4.7 out of 5 on the App Store from 85,572 ratings. We checked both on Oct 24, 2026. Store ratings are a dated snapshot from each listing, not our score.
What it costs
Ally Bank SavingsAlly charges no monthly maintenance fees on its savings account.
PublicPublic's Generated Assets portfolios list a management fee of 0.49% a year (its Dividends portfolio page, for example).
Bars show only when every app here lists a yearly price, so these prices sit side by side without them. Prices are list prices from each app's own page, before tax and any offer. Investing fees appear as each company states them. A yearly advisory fee is a percent of your balance, not a monthly price, so it never gets a bar or a price tag.
At a glance
APY
- Ally
- 3.20% APY
- Public
- Not verified yet
Source
- Ally lists 3.20% APY, correct as of Oct 23, 2026. The rate is variable. Ally says the same APY applies across all balance tiers, with no minimum balance requirement. ally.com/bank/online-savings-account, as of Oct 24, 2026.
- Public: Not verified yet.
App Store rating
- Ally
- 4.7114,147 ratings
- Public
- 4.785,572 ratings
Source
- Ally Bank Savings has 4.7 out of 5 on the App Store from 114,147 ratings. App Store listing, as of Oct 24, 2026.
- Public has 4.7 out of 5 on the App Store from 85,572 ratings. App Store listing, as of Oct 24, 2026.
Platforms
- Ally
- Not verified yet
- Public
- Not verified yet
Source
- Ally: Not verified yet.
- Public: Not verified yet.
Minimums
- Ally
- Ally requires a $0 minimum opening deposit and has no minimum balance requirement.
- Public
- Not verified yet
Source
- Ally requires a $0 minimum opening deposit and has no minimum balance requirement. ally.com/bank/online-savings-account, as of Oct 24, 2026.
- Public: Not verified yet.
Account minimum
- Ally
- Not verified yet
- Public
- Public says the minimum investment for Generated Assets like its Dividends portfolio is $1,000.
Source
- Ally: Not verified yet.
- Public says the minimum investment for Generated Assets like its Dividends portfolio is $1,000. public.com/generated-assets/dividends-2f14c2d8, as of Oct 24, 2026.
Stock and ETF commissions
- Ally
- Not verified yet
- Public
- Public says it offers $0 commission trading on self-directed individual cash brokerage accounts for US-listed securities placed online. Regulatory, subscription, wire transfer and paper statement fees may still apply.
Source
- Ally: Not verified yet.
- Public says it offers $0 commission trading on self-directed individual cash brokerage accounts for US-listed securities placed online. Regulatory, subscription, wire transfer and paper statement fees may still apply. public.com/invest/stocks, as of Oct 24, 2026.
Protection
- Ally
- Ally Bank is a Member FDIC, and deposits are insured up to the maximum allowed by law.
- Public
- Public Investing is a member of SIPC. Securities in your account are protected up to $500,000.
Source
- Ally Bank is a Member FDIC, and deposits are insured up to the maximum allowed by law. ally.com/bank/online-savings-account, as of Oct 24, 2026.
- Public Investing is a member of SIPC. Securities in your account are protected up to $500,000. public.com, as of Oct 24, 2026.
Features
| Feature | Ally | Public |
|---|---|---|
| Savings goals | Listed by the source | Not verified yet |
✓ means the official site lists it. ? means we haven't verified it yet, not that the app lacks it. Ally: ally.com/bank/online-savings-account, as of Oct 24, 2026.
Screen by screen
Pick a task to see what each app shows for it. App Store and Google Play images are the apps' own marketing, so they can show sample data and staged layouts. Help center images come from the app's support articles. See every app's screens.
Home
Ally Bank Savings
App Store marketing imageApp Store image with the headline "Your app for all things ally." showing a home screen with a total balance, vehicle financing and bank accounts.App Store listing, as of
Public
No official screen found yet
Accounts
Ally Bank Savings
App Store marketing imageApp Store image with the headline "Our Spending Account has your cash covered." showing a spending account with Transfer and Menu buttons.App Store listing, as of 
App Store marketing imageApp Store image with the headline "Put yourself in the driver's seat." showing vehicle financing amounts due.App Store listing, as of
Public
No official screen found yet
Goals
Ally Bank Savings
App Store marketing imageApp Store image with the headline "Stash cash in our savings buckets." showing savings buckets and a 60% complete card.App Store listing, as of
Public
No official screen found yet
Investments
Ally Bank Savings
App Store marketing imageApp Store image with the headline "Yes, you can invest." showing an investment account value and summary.App Store listing, as of
Public
No official screen found yet
Other screens
Ally Bank Savings
App Store marketing imageApp Store image with the headline "Boost your balance with Loyally." showing a Loyally Rewards screen.App Store listing, as of 
App Store marketing imageApp Store image with the headline "Free credit score tracking." showing a credit score of 771 and a history chart.App Store listing, as of 
App Store marketing imageApp Store image with the headline "Grab cash, fee-free." showing a Find ATMs map.App Store listing, as of
Public
App Store marketing imageApp Store image 1 of 4 from the Public listing.App Store listing, as of 
App Store marketing imageApp Store image 2 of 4 from the Public listing.App Store listing, as of 
App Store marketing imageApp Store image 3 of 4 from the Public listing.App Store listing, as of 
App Store marketing imageApp Store image 4 of 4 from the Public listing.App Store listing, as of
Ally Bank Savings and Public, side by side
Rows marked “Differs” are where the official sources say different things, and 2 rows do here.
Swipe the table sideways to see both apps.
| Field | Ally Bank SavingsSavings accountAlly Bank's online savings account pays a variable rate and includes savings buckets, round ups and recurring transfers.Visit Ally Bank Savings's site | PublicInvesting appPublic is an investing app for stocks, ETFs, options, bonds and crypto, with IRAs and managed Generated Assets portfolios.Visit Public's site |
|---|---|---|
| Price and fees | Ally charges no monthly maintenance fees on its savings account.As of Oct 24, 2026. Source: ally.com/bank/online-savings-account | Not verified yet. |
| Management or subscription fee | Not verified yet. | Public's Generated Assets portfolios list a management fee of 0.49% a year (its Dividends portfolio page, for example).As of Oct 24, 2026. Source: public.com/generated-assets/dividends-2f14c2d8 |
| APY or rate | Ally lists 3.20% APY, correct as of Oct 23, 2026. The rate is variable.Ally says the same APY applies across all balance tiers, with no minimum balance requirement.As of Oct 24, 2026. Source: ally.com/bank/online-savings-account | Not verified yet. |
| Opening and balance minimums | Ally requires a $0 minimum opening deposit and has no minimum balance requirement.As of Oct 24, 2026. Source: ally.com/bank/online-savings-account | Not verified yet. |
| Account minimum | Not verified yet. | Public says the minimum investment for Generated Assets like its Dividends portfolio is $1,000.As of Oct 24, 2026. Source: public.com/generated-assets/dividends-2f14c2d8 |
| Stock and ETF commissions | Not verified yet. | Public says it offers $0 commission trading on self-directed individual cash brokerage accounts for US-listed securities placed online. Regulatory, subscription, wire transfer and paper statement fees may still apply.As of Oct 24, 2026. Source: public.com/invest/stocks |
| Account types | Not verified yet. | Public lists these account types: Traditional & Roth IRAs and Crypto IRAs.As of Oct 24, 2026. Source: public.com |
| Fractional shares | Not verified yet. | Public says it supports fractional shares, so you can invest in any stock with any dollar amount.As of Oct 24, 2026. Source: public.com/invest/stocks |
| Automatic investing | Not verified yet. | Public says you can schedule recurring buys in any stock, ETF or crypto, for any amount, weekly, biweekly, monthly or on a custom cadence.As of Oct 24, 2026. Source: public.com/invest/stocks |
| Managed portfolios (robo) | Not verified yet. | Public offers Generated Assets portfolios, rebalanced quarterly (its Dividends portfolio, for example).As of Oct 24, 2026. Source: public.com/generated-assets/dividends-2f14c2d8 |
| ProtectionDiffers | Ally Bank is a Member FDIC, and deposits are insured up to the maximum allowed by law.As of Oct 24, 2026. Source: ally.com/bank/online-savings-account | Public Investing is a member of SIPC. Securities in your account are protected up to $500,000.As of Oct 24, 2026. Source: public.com |
| Platforms | Not verified yet. | Not verified yet. |
| Features |
| Not verified yet. |
| App store ratingDiffers | Ally Bank Savings has 4.7 out of 5 on the App Store from 114,147 ratings.As of Oct 24, 2026. Source: App Store listing | Public has 4.7 out of 5 on the App Store from 85,572 ratings.As of Oct 24, 2026. Source: App Store listing |
App store ratings are a dated snapshot from each store listing, not our score. “Not verified yet” means we don't have a current official source for that line. How we source and date this data. Spotted a change? Tell us if something changed.
Weighing a third option? Add up to two more apps to this table and compare up to four side by side.
Who it's for
Pick the tab that sounds like you. The questions come from app help centers, FAQ pages and user forums, and every answer comes from the app's own pages, with the date we checked it.
Just me
Budgeting on your own? These are the basics people ask about first.
Is it free?
Public
Not verified yet
Can I export my data?
Ally
Yes. You can export your data.
In their words: “You can download and save your account activity in a Comma Separated Value (CSV) file or a Quicken (QFX) file.”
As of . Source: ally.com
Public
Not verified yet
Is there support from the app's makers if I need help?
Ally
Yes. Phone, chat and email.
In their words: “Call, chat or email us any time.”
As of . Source: ally.com
Public
Not verified yet
Partners
Sharing money with a partner? Here's how each app handles a second person.
Can my partner use their own login details?
Ally
Yes. Your partner gets their own login.
In their words: “You can set up your Ally login credentials by enrolling online for a Bank, Invest or Auto joint account.”
As of . Source: ally.com
Public
Not verified yet
Family
Bringing in more of the household? Here's what each app says about families and kids. See apps with custodial accounts for kids.
Does it have accounts or features for kids or teens?
Ally
Yes. It has accounts or features for kids or teens.
In their words: “Once a minor reaches the age of majority in their state, control of the funds must be transferred to the minor.”
As of . Source: ally.com
Public
Not verified yet
Business
Running a small business? Here's what each app says about business money.
Can I share my finances with my accountant?
Ally
Yes. You can export your data and send the file.
In their words: “You can download and save your account activity in a Comma Separated Value (CSV) file or a Quicken (QFX) file.”
As of . Source: ally.com
Public
Not verified yet
“Not verified yet” means we haven't found a current official source that answers it, not that the app can't. We only say no when the app's own page does.
Which fits your Money Type?
There are four Money Types: Strategist, Spender, Saver and Scrambler. Each card matches one type to what the sources say about these two apps.
StrategistNeither app's sources confirm a feature we match to this type yet, so the quiz is the better place to start.
First fix: Save the Raise.
SpenderAlly lists goals. A goal gives a Spender a reason to pause before buying, which is the Sleep on It fix.
First fix: Sleep on It.
SaverAlly lists an APY on deposits. That fits a Saver, whose first fix is putting saved money to work.
First fix: Put It to Work.
ScramblerNeither app's sources confirm a feature we match to this type yet, so the quiz is the better place to start.
First fix: Bills First.
Not sure which one you are? Take the free Money Types quiz. It takes about two minutes.
Full disclosure: Taylor Price, who runs Priceless Tay, owns Fifecta, so keep that in mind as you read this comparison.
Another option: Fifecta
If neither Ally nor Public feels right, here is one more option to look at. Fifecta gives every paycheck a plan with FUNDS, and it starts from your Money Type, so the plan matches how you already handle money.
What real users say
These are other people's opinions, not Priceless Tay's. We quote public reviews and posts word for word, link each one and show its date, but we haven't checked the claims in them. A post counts toward a theme when it uses one of that theme's keywords, so a mention can be praise or a complaint.
What Ally users say
Based on 500 App Store reviews and 3 Reddit posts dated May 2026 to Oct 2026, read Oct 2026. We collected the Reddit data with Apify, a scraping service, on Oct 24, 2026.
- Of the 503 reviews and posts we read, 116 mention how easy or hard the app is to use.
- Of the 503 reviews and posts we read, 102 mention deposits, transfers or getting paid.
- Of the 503 reviews and posts we read, 53 mention bugs, crashes or the app not working.
Positive
“Intuitive app, no fees at ATMs, free checks, & great rates on savings.”
Positive
“Very user friendly and the savings buckets are a game changer”
Critical
“Just horrendously slow. Constantly crashes. Never loads in the first attempt to open.”
Where these come from
- Ally reviews on the App Store, read Oct 24, 2026. The public feed returns the 500 most recent US reviews. We kept every one dated inside the window.
- Hacker News search for Ally, read Oct 24, 2026. Public search of comments and posts. 6 named the app; we kept 0 where the writer shares their own use of it.
- Reddit search for Ally, collected Oct 24, 2026. Collected with Apify (harshmaur/reddit-scraper) on Oct 24 2026: a keyword search for "Ally savings account", posts and comments from after Oct 24 2025. It returned 92, most of them about something else. We kept 3 where the writer shares their own use of the app or a clear opinion of it. We left out moderators, bots, company accounts, referral posts and people promoting their own apps.
- YouTube search for Ally, collected Oct 24, 2026. Collected with Apify (streamers/youtube-scraper) on Oct 24 2026: a search for "Ally savings account review" from the past year, up to 8 videos. It returned 8. We kept 0 and left out the app's own channel, sponsored videos, videos with affiliate or referral links and videos about a different product. We count themes from each video's title, description and captions, but we don't quote videos, because the captions we have carry no timestamps.
- u/plantsandramen in r/WaterCoolerWednesday on Reddit, Oct 23, 2026.
- u/yumi021 in r/personalfinance on Reddit, Oct 21, 2026.
- u/mbens in r/AllyBank on Reddit, Oct 19, 2026.
FAQ
How much does Ally cost?
Ally charges no monthly maintenance fees on its savings account. We checked this on Oct 24, 2026.
How much does Public charge?
Public's Generated Assets portfolios list a management fee of 0.49% a year (its Dividends portfolio page, for example). We checked this on Oct 24, 2026.
What APY does Ally list?
Ally lists 3.20% APY, correct as of Oct 23, 2026. Ally says the rate is variable. Ally says the same APY applies across all balance tiers, with no minimum balance requirement. We checked this on Oct 24, 2026.
What is Public's app store rating?
Public has 4.7 out of 5 on the App Store from 85,572 ratings. That's a snapshot from the store listing on Oct 24, 2026, not our score.
Similar comparisons
AcornsInvesting appAllySavings accountAcorns vs Ally
See Acorns and Ally Bank Savings side by side, with every fact dated.
Data side by side- AcornsInvesting appChimeBanking app
Acorns vs Chime
See Acorns and Chime side by side, with every fact dated.
Data side by side - PublicInvesting app
RobinhoodInvesting appPublic vs Robinhood
See Public and Robinhood side by side, with every fact dated.
Data side by side - AcornsInvesting app
StashInvesting appAcorns vs Stash
See Acorns and Stash side by side, with every fact dated.
Data side by side 
BettermentInvesting app
WealthfrontInvesting appBetterment vs Wealthfront
See Betterment and Wealthfront side by side, with every fact dated.
Data side by side
ChangedDebt payoff app
Debt Payoff PlannerDebt payoff appChanged vs Debt Payoff Planner
See Changed and Debt Payoff Planner side by side, with every fact dated.
Data side by side- ChangedDebt payoff app
EveryDollarBudgeting appChanged vs EveryDollar
See Changed and EveryDollar side by side, with every fact dated.
Data side by side - ChangedDebt payoff app
Undebt.itDebt payoff appChanged vs Undebt.it
See Changed and Undebt.it side by side, with every fact dated.
Data side by side - ChangedDebt payoff app
YNABBudgeting appChanged vs YNAB
See Changed and YNAB side by side, with every fact dated.
Data side by side
Keep comparing
- Read our Ally Bank Savings review.
- See Ally alternatives, closest category first.
- See Public alternatives, closest category first.
- Browse our guide to the best high-yield savings accounts.
- Want the bigger picture? Compare more money apps.
Full disclosure: Taylor Price, who runs Priceless Tay, owns Fifecta, so keep that in mind as you read this comparison.
Want a plan built on your Money Type?
Fifecta gives every paycheck a plan with FUNDS, so you know where each dollar goes.
Sources and confidence
- Last checked
- Not verified yet
- 2 of 17 facts
Ally Bank Savings6 of 7 verified, 1 not verified yet, last checked Oct 24, 2026
- Price and feesally.com/bank/online-savings-account, as of Oct 24, 2026
- APY or rateally.com/bank/online-savings-account, as of Oct 24, 2026
- Minimumsally.com/bank/online-savings-account, as of Oct 24, 2026
- Protectionally.com/bank/online-savings-account, as of Oct 24, 2026
- PlatformsNot verified yet
- Featuresally.com/bank/online-savings-account, as of Oct 24, 2026
- App store ratingApp Store listing, as of Oct 24, 2026
Public9 of 10 verified, 1 not verified yet, last checked Oct 24, 2026
- Management or subscription feepublic.com/generated-assets/dividends-2f14c2d8, as of Oct 24, 2026
- Account minimumpublic.com/generated-assets/dividends-2f14c2d8, as of Oct 24, 2026
- Stock and ETF commissionspublic.com/invest/stocks, as of Oct 24, 2026
- Account typespublic.com, as of Oct 24, 2026
- Fractional sharespublic.com/invest/stocks, as of Oct 24, 2026
- Automatic investingpublic.com/invest/stocks, as of Oct 24, 2026
- Managed portfolios (robo)public.com/generated-assets/dividends-2f14c2d8, as of Oct 24, 2026
- Protectionpublic.com, as of Oct 24, 2026
- PlatformsNot verified yet
- App store ratingApp Store listing, as of Oct 24, 2026
- Reference: banks.data.fdic.gov/bankfind-suite/bankfind, checked Oct 24, 2026.
Each fact links to the official page it came from, with the date we checked it. Once a fact is older than its app's window (8 days for apps whose rates change often, 35 days for the rest), it reads “Not verified yet” until we check it again. How we source, date and index this data.
This is education, not financial advice.
