WellsTrade® IRA offered by Wells Fargo Advisors: A comprehensive online and mobile solution for self-directed investing

A WellsTrade online investing account gives you hands-on control of your investing decisions

Manage your retirement investments with a Wells Fargo Advisors WellsTrade® IRA for $0 per online stock and ETF trade.

With a WellsTrade IRA you'll be empowered to invest the way you want. Wells Fargo Advisors offer Traditional, Roth, and SEP IRAs. With a single sign-on, you can securely access your investment and banking accounts on your computer, tablet, and smartphone and take advantage of Brokerage Cash Services for convenient money movement.

What You Can Do

Manage your investments with convenience

With a WellsTrade brokerage account, you can plan, select, and monitor your investment portfolio with robust tools and independent investment resources — online and by phone 24/7.

You can:

  • Enter trades for stocks, no load mutual funds , exchange-traded funds, options and money market mutual funds
  • By phone, place trades with a fixed income specialist for bonds, treasuries and brokerage CD's
  • Earn interest on your uninvested cash with the Wells Fargo Advisors Cash Sweep Program
  • Check your account activity, balances, holdings and performance
  • Find ideas and stay informed using real-time quotes, charts, market news, screeners and watch lists
  • Access proprietary and third-party research

View your Wells Fargo accounts

With a single sign-on, you can securely access your Wells Fargo Advisors investment and Wells Fargo Bank banking accounts on your computer, tablet, and smartphone to:

  • See a summary of your balances
  • Transfer money between accounts, or send money to people you know and trust with Zelle®
  • Deposit checks into your WellsTrade brokerage account using your smartphone.

Mobile access, when you need it

Away from your computer? Use your tablet or smartphone to:

  • Place trades and track orders
  • Manage watchlists and get real-time quotes
  • View account activity
  • Access market news and data

You can also visit the tellers at Wells Fargo branches and make deposits, which are processed through an associated limited-purpose Wells Fargo Bank account in your name.

Pricing

Pricing

Stock and ETF trades made online, through your computer, tablet, or smartphone and our automated phone system are $0.

Compare pricing

Transaction or Fee
Online or Automated Telephone Trading
Stocks/ETFs

$0

Mutual Funds:
No-Load
No Transaction Fee		 $0
Mutual Funds:
No-Load
Transaction Fee		 $35
Please see the WellsTrade Commissions and Fees for complete information.

Investor Resources and Tools

Investor resources

Your WellsTrade brokerage account gives you access to a powerful collection of Wells Fargo Advisors resources to help you plan your portfolio and select your investments, including:

  • Market insight & commentary, economic outlooks, and timely industry news
  • Industry/sector watch and performance ratings
  • Investment ideas from Wells Fargo Advisors and industry experts
  • Investing Basics provides general tips and information about investing

Robust tools 

Our line up of investing tools can help you with your investment selection process.

  • Narrow your search with updated stock and ETF screeners
  • Use our Bond Screener to find fixed income investments, including bonds, treasuries, and brokerage CD's
  • Try the Wells Fargo Advisors Mutual Fund Screener tool to find mutual funds that can help you meet your investment goals
You'll also:
  • Sign up to receive portfolio updates throughout the day
  • View price, technical analysis, and moving average charts
  • Get intraday and market wrap-up reports

Services

Get the most out of your WellsTrade brokerage account 

  • Use our suite of tools to help you plan, select, and monitor your investments.
  • Access your brokerage statements, trade confirms, shareholder documents, proxies, and year-end tax documents online. Download frequently-used WellsTrade account forms.
  • Use our voice-activated phone system (PDF) to access balances, place trades, get quotes, and transfer money. 
  • Use Brokerage Cash Services for convenient money movement including mobile transfers between your Wells Fargo Bank and Wells Fargo Advisors accounts and mobile deposit services.
  • You can also visit the tellers at Wells Fargo branches and make deposits, which are processed through an associated limited-purpose Wells Fargo Bank account in your name.
  • Easily add features to your account depending on your investment needs, financial resources, and risk tolerance. Features available include margin (not available for qualified retirement plans including IRAs) and options trading.
  • Receive phone assistance support from our knowledgeable team.

How to fund your account 

After you open your WellsTrade brokerage account, you can choose from four easy ways to fund it. Visit our FAQ page for further information. 

Transfer funds from a Wells Fargo account 

You can safely and securely transfer funds from a Wells Fargo Bank checking or savings account or from an account at another financial institution to your new WellsTrade brokerage account through Automated Delivery. 

Transfers made between existing Wells Fargo Bank accounts can be completed online via the “Transfer & Pay” tab and are generally completed by the next business day. At this time, only personal checking or savings accounts drawn on a U.S. bank that can receive ACH transfers can be used.

Please keep in mind that rolling over assets to an IRA is just one of multiple options for your retirement plan. Each option has different advantages, disadvantages, investment options, and fees & expenses which should be understood and carefully considered. Investing and maintaining assets in an IRA will generally involve higher costs than those associated with employer-sponsored retirement plans. We recommend you consult with your current plan administrator before making any decisions regarding your retirement assets.

Transfer funds and securities from an existing brokerage account at another firm 

Complete our Customer Account Transfer form (PDF) and return it to us along with a complete copy of your most recent statement from the other brokerage firm. Transfers are typically completed within 10 business days. You may also transfer your IRA from another firm or roll over assets from qualified employer plans like a 401(k), 403(b), or 457 account into your WellsTrade IRA. 

Mail a check 

Make your check payable to Wells Fargo Advisors, MAC H0006-085, #1 N. Jefferson Ave., St. Louis, MO 63103. 

Request a wire transfer from another financial institution 

You will need to contact the other firm to complete their transfer form and provide them with Wells Fargo Advisors Routing Number and your new WellsTrade account number.

We’re here to help

Open Online

Call us 1-877-493-4727

Tips

Enjoy the simplicity and control of consolidating multiple IRAs into one.

Options involve risks and are not appropriate for all investors. When you apply for a Wells Fargo Advisors options account, you will receive a copy of the Characteristics and Risks of Standardized Options. You should review this document carefully, and can obtain additional copies by contacting 1-800-872-3377, or the Options Clearing Corporation, 125 S Franklin Street, Suite 1200, Chicago, IL 60606.

Margin borrowing may not be appropriate for all investors. When you use margin, you are subject to a high degree of risk.

Investment and Insurance Products are:
  • Not Insured by the FDIC or Any Federal Government Agency
  • Not a Deposit or Other Obligation of, or Guaranteed by, the Bank or Any Bank Affiliate
  • Subject to Investment Risks, Including Possible Loss of the Principal Amount Invested

Investment products and services are offered through Wells Fargo Advisors. Wells Fargo Advisors is a trade name used by Wells Fargo Clearing Services, LLC (WFCS) and Wells Fargo Advisors Financial Network, LLC, Members SIPC, separate registered broker-dealers and non-bank affiliates of Wells Fargo & Company.

Additional Resources

Call Us

Existing Wells Fargo IRAs

Assistance with existing accounts including contributions, rollovers, and distributions

Retirement Help and IRA Management


New IRAs and Rollovers

Open an IRA or roll over old 401(k), 403(b), or 457 plans to a new IRA

1-877-493-4727

Mon - Fri: 8:30 am – 9:30 pm

Eastern Time

Important Information and Footnotes

$0 per trade is applicable to commissions for online and automated telephone trading of stocks and exchange-traded funds (ETFs). For stock and ETF trades placed with an agent over the telephone, a $25 agent-assisted trading fee is charged. Each trade order will be treated as a separate transaction subject to commission. An order that executes over multiple trading days may be subject to additional commission. One commission will be assessed for multiple trades, entered separately, that execute on the same day, on the same side of the market. Other fees and commissions apply to a WellsTrade account. For complete information on fees and commissions, refer to the WellsTrade Account Commissions and Fees Schedule. Schedule subject to change at any time.

Availability may be affected by your mobile carrier's coverage area. Your mobile carrier's message and data rates may apply.

Learn more about mutual fund investing (PDF) and learn more about margin borrowing (PDF).

Enrollment with Zelle® through Wells Fargo Online® or Wells Fargo Business Online® is required. Terms and conditions apply. To send or receive money with Zelle®, both parties must have an eligible checking or savings account enrolled with Zelle® through their bank. Transactions between enrolled users typically occur in minutes. For your protection, Zelle® should only be used for sending money to friends, family, or others you trust. Neither Wells Fargo nor Zelle® offers purchase protection for payments made with Zelle® - for example, if you do not receive the item you paid for or the item is not as described or as you expected. Payment requests must be sent to enrolled Zelle® users. For more information, view the Zelle® Transfer Service Addendum to the Wells Fargo Online Access Agreement. Your mobile carrier’s message and data rates may apply. Account fees (e.g., monthly service, overdraft, Business Account Analysis fees) may apply to Wells Fargo account(s) with which you use Zelle®.

Mobile deposit is only available through the Wells Fargo Mobile® app on eligible mobile devices. Deposit limits and other restrictions apply. Some accounts are not eligible for mobile deposit. Availability may be affected by your mobile carrier's coverage area. Your mobile carrier's message and data rates may apply. See Wells Fargo’s Online Access Agreement and your applicable business account fee disclosures for other terms, conditions, and limitations.

Disclosures

  • WellsTrade® and Intuitive Investor® accounts are offered through WFCS.

  • Retirement Professionals are registered representatives of and offer brokerage products through Wells Fargo Clearing Services, LLC (WFCS). Discussions with Retirement Professionals may lead to a referral to affiliates including Wells Fargo Bank, N.A. WFCS and its associates may receive a financial or other benefit for this referral. Wells Fargo Bank, N.A. is a banking affiliate of Wells Fargo & Company.

  • Access to online services may be limited, delayed or unavailable during periods of peak demand, market volatility, system upgrades or maintenance, or electronic, communication or system problems, or for other reasons.

  • During times of high volume of trading at the market opening, or intra-day, clients may experience delays in system access, or execution at prices significantly away from the market price quoted or displayed at the time the order was entered.

  • Information published by Wells Fargo Bank, N.A., Wells Fargo Advisors, or one of its affiliates as part of this website is published in the United States and is intended only for persons in the United States.

  • Wells Fargo and Company and its Affiliates do not provide tax or legal advice. This communication cannot be relied upon to avoid tax penalties. Please consult your tax and legal advisors to determine how this information may apply to your own situation. Whether any planned tax result is realized by you depends on the specific facts of your own situation at the time your tax return is filed.

  • Wells Fargo Advisors equity order routing information.

  • Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

  • Deposit products offered by Wells Fargo Bank, N.A. Member FDIC.

  • PM-08062027-5187195

  • DT2-08062027-18-8762149-1.1

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