Updated
Understanding Wealthfront fees
The fees we charge depend on which accounts and features you use.
Investment account fees
Automated Index Investing Accounts: Annual advisory fee of 0.25%
Automated Bond Portfolio: Annual advisory fee of 0.25%
Automated Bond Ladder: Annual advisory fee of 0.15%
S&P 500 Direct Portfolio: Annual advisory fee of 0.09%
Nasdaq-100 Direct Portfolio: Annual advisory fee of 0.12%
Stock Investing Account: Free. Wealthfront does not charge clients any fees, including account fees or commissions. Nor does Wealthfront accept Payment for Order Flow (PFOF).
Accounts with an annual advisory fee charge the fee on all assets held in the account and deduct the fee monthly. Wealthfront does not charge any account-opening fees, withdrawal or account-closing fees, trading/commission fees, or account transfer fees.
Example Advisory Fee Calculation for Automated Investing Accounts
An Automated Investing Account with an average monthly balance of $100K will have a monthly advisory fee of $20.55. Assuming 30 days in the month and 365 days in the year, the math is as follows: $100,000 * 0.0025 * (30/365) = $20.55.
The only other fee you incur is the expense ratio embedded in the ETFs and mutual funds you will own. Wealthfront 529 account fees are slightly different. You can view our 529 fee details here.
*If you signed up prior to April 1, 2018, you will receive your first $10,000 of assets in Automated Investing Accounts managed for free. For an account with an average monthly balance of $100,000, your monthly advisory fee is $18.49 ($90,000 * .0025 * (30/365)).
Debit card fees
If you ordered a Wealthfront Visa® Debit Card to use with your Wealthfront Cash Account, you may be charged fees when using it. These fees are determined by Green Dot Bank, member FDIC, which we partner with to provide certain checking features, including the Wealthfront Visa® Debit Card card. Here’s a complete list:
| Fee | Amount |
| In-network ATM | Free |
| Out-of-network ATM | $2.50 + ATM owner fee (varies) |
| Bank teller | $2.50 + teller fee (varies) |
| International transaction fee | 2.75% |
| Cash deposits at select retailers | Up to $5.95 |
For descriptions of each of these fees, please see below, or check out the Deposit Account Agreement.
Do you reimburse out-of-network ATM fees?
We'll reimburse fees up to $7.50 for each of your first 2 domestic out-of-network ATM withdrawals every month.
For additional terms and conditions.
How do I find no-fee ATMs?
You can use the ATM Finder on our website, or in-app from your Cash Account dashboard and profile page. All ATMs that show up on this tool are free to use. Learn more about no-fee ATMs.
Out-of-network ATM and bank teller fees
If you get cash from an out-of-network ATM or any bank branch, you’ll pay fees. You’ll be charged an ATM owner or a teller fee at the time of the withdrawal. The $2.50 fee will show up as a separate transaction.
To avoid these fees, please use a no-fee ATM.
We'll reimburse fees up to $7.50 for each of your first 2 domestic out-of-network ATM withdrawals every month.
For additional terms and conditions.
International transaction fees
If a transaction is in a currency other than U.S. dollars, or the merchant or ATM is located outside the U.S., you’ll pay an international transaction fee of 2.75%. This happens even if the international purchase or ATM withdrawal is in U.S. dollars, or if you make the international purchase remotely from the U.S.
Cash deposits at select retailers
At select retailers, you can use your debit card to deposit cash up to $3,000 per day. Ask your retailer if they accept cash loads — if they do, you’ll pay a fee of up to $5.95.
Wire transfer charge
Wire transfers are free to send!
The receiving institution may charge a fee to receive a wire. Contact your receiving institution to determine if an incoming wire fee will apply. For more information about wires, visit our Outgoing Online Funds Transfers Agreement.
Wealthfront Brokerage has partnered with Green Dot Bank to offer certain checking features including The Wealthfront Visa® Debit Card, send a check, and mobile check deposits to Wealthfront Cash Accounts. The Wealthfront Visa® Debit Card is issued by Green Dot Bank, Member FDIC, pursuant to a license from Visa USA. Inc. Visa is a registered trademark of Visa International Service Association. Green Dot Bank also offers Wealthfront Individual Cash Accounts opened prior to July 15, 2025, Green Dot account & routing numbers which support additional checking features including bill pay, direct deposits, and payments through third-party sites. The checking features provided by Green Dot Bank for Wealthfront Cash Accounts are subject to identity verification by Green Dot Bank and the Wealthfront Visa® Debit Card is optional and must be requested. Green Dot Bank operates under the following registered trade names: GO2bank, GoBank and Bonneville Bank. All of these registered trade names are used by, and refer to, a single FDIC-insured bank, Green Dot Bank. Deposits under any of these trade names are deposits with Green Dot Bank and are aggregated for deposit insurance coverage.
Wealthfront Brokerage has established a relationship with UMB Bank, National Association (“UMB Bank”), Member FDIC, which may allow certain Wealthfront Individual Cash Accounts opened prior to July 15, 2025, all Wealthfront Individual Cash Accounts opened on or after July 15, 2025, and Wealthfront Joint Cash Accounts to opt-in to a limited-purpose account number and UMB Bank routing and transit number which will enable certain withdrawals and deposits into Wealthfront Cash Accounts including bill pay, direct deposits, and payments through third-party sites through the Automated Clearing House network. Wealthfront Brokerage and Wealthfront Advisers are not affiliated with Green Dot Bank or UMB Bank.
Securities investments: Are not bank deposits. Are not bank guaranteed or FDIC-insured. May lose value.
Wealthfront’s S&P 500 Direct: The S&P 500® index is a product of S&P Dow Jones Indices LLC or its affiliates (“SPDJI”) and has been licensed for use by Wealthfront Advisers LLC. Standard & Poor’s®, S&P®, S&P 500®, US 500 and The 500 are trademarks of Standard & Poor’s Financial Services LLC (“S&P”); Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”); and these trademarks have been licensed for use by SPDJI and sublicensed for certain purposes by Wealthfront Advisers LLC. Wealthfront’s S&P 500 Direct Portfolio is not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, their respective affiliates and none of such parties make any representation regarding the advisability of investing in such product nor do they have any liability for any errors, omissions, or interruptions of the S&P 500® index.
Wealthfront’s Nasdaq-100 Direct: Nasdaq®, Nasdaq-100 Index®, NDX®, and Nasdaq-100® are registered trademarks of Nasdaq, Inc. (which with its affiliates is referred to as the “Corporations”) and are licensed for use by Wealthfront Advisers LLC. The Product(s) have not been passed on by the Corporations as to their legality or suitability. The Product(s) are not issued, endorsed, sold, or promoted by the Corporations. THE CORPORATIONS MAKE NO WARRANTIES AND BEAR NO LIABILITY WITH RESPECT TO THE PRODUCT(S).
All investing involves risk, including the possible loss of money you invest, and past performance does not guarantee future performance. Please see our Full Disclosure for important details.
Investment management and advisory services are provided by Wealthfront Advisers LLC (“Wealthfront Advisers”), an SEC-registered investment adviser, and brokerage related products, including the Cash Account, are provided by Wealthfront Brokerage LLC, a Member of FINRA/SIPC. Wealthfront, Wealthfront Advisers and Wealthfront Brokerage are wholly owned subsidiaries of Wealthfront Corporation. details.
Investment management and advisory services are provided by Wealthfront Advisers LLC (“Wealthfront Advisers”), an SEC-registered investment adviser, and brokerage related products, including the Cash Account, are provided by Wealthfront Brokerage LLC, a Member of FINRA/SIPC. Wealthfront, Wealthfront Advisers and Wealthfront Brokerage are wholly owned subsidiaries of Wealthfront Corporation.
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