How long do you have to keep money in Public to get the bonus?
Plan on about 60 days with roughly $50,000 parked at Public. Measured that way the $20 + 1% match bonus is worth 6.1% effective APY, which is the only honest way to compare it to a savings account.
Public Investing is a brokerage offer.
The numbers, in full
| Payout | $20 + 1% match |
|---|---|
| What it takes | $20 per referral · 1% uncapped transfer match. |
| Direct deposit needed | No |
| Money tied up | $50,000 |
| Time committed | 60 days |
| Effective APY | 6.1% |
| Per hour of your time | $2,000/hr |
| When it pays | after deposit |
| Offer ends | No published end date |
| Last checked | Jul 5, 2026 |
What the return actually looks like
$50,000 committed for about 60 days pays $500, which annualizes to 6.1%.
Read this chart as a table
| Money committed for | Effective APY | Note |
|---|---|---|
| 30 days | 12.2% | |
| 45 days | 8.1% | |
| 60 days | 6.1% | The offer's own stated window |
| 90 days | 4.1% | |
| 120 days | 3.0% | |
| 180 days | 2.0% | |
| 270 days | 1.4% | |
| 365 days | 1.0% |
Open it
We have no referral for this one, so this goes straight to the public offer.
Related questions
Hold time
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