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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 $5.95 per trade Or, $2.95 per trade when you link your WellsTrade account to your Wells Fargo Bank Portfolio by Wells Fargo® program.

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.

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

Equity and ETF trades made online, through your computer, tablet, or smartphone and our automated phone system are only $5.95.

Get a discounted rate of $2.95 per online trade, our best offer, when you link your WellsTrade brokerage account to your Portfolio by Wells Fargo® program , Wells Fargo Bank’s premium relationship program to help simplify your finances and save money. See "Offers" tab above for details.


A $30 IRA Custodial Fee applies, see the below table to see the different ways to waive this fee.

Compare pricing

Transaction or Fee
Online or Automated Telephone Trading
Stocks/ETFs (Excluding Penny Stocks)

$2.95 linked to your Portfolio by Wells Fargo Program
$5.95 Standard

Mutual Funds:
No-Load
No Transaction Fee
$0
Mutual Funds:
No-Load
Transaction Fee
$35
Fee Amount
Household Annual Fee

Or
IRA Custodial Fee
(for IRA only households)

$30 per household

You can avoid this fee with one of the following as of June 30 for all accounts in your WellsTrade brokerage household:

  • Enrollment in only electronic delivery for all documents (excluding tax documents/1099s)
  • Linkage to Portfolio by Wells Fargo program
  • $250,000 or more in household balances
  • SEP IRA only households
  • Wells Fargo Private Bank accounts

Fee will be charged in September of each year.

Please see the WellsTrade Commissions and Fees for complete information.

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.

  • Try the Wells Fargo Advisors Mutual Fund Screener tool to find mutual funds that can help you meet your investment goals
  • 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
  • Monitor your portfolio with Portfolio Tracker to stream quotes, news, and charts.
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

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
  • Get a snapshot of your entire financial picture with our Wells Fargo One-StopSM account aggregation service.
  • Use our voice-activated phone system 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 24/7 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.

Special discount pricing for Portfolio by Wells Fargo® Customers

Get a discounted rate of $2.95 per online trade, our best offer, when you link your Well Fargo Advisors WellsTrade brokerage account to your Portfolio by Wells Fargo program. Wells Fargo Bank's premium relationship program, which helps you simplify your finances and save money with many fee waivers and discounted services.

Account Opening and Linking to Portfolio by Wells Fargo:

  • To open a WellsTrade brokerage account: call 1-877-573-7997
  • If you already have a Portfolio by Wells Fargo program, the representative from Wells Fargo Advisors will be able to link your new WellsTrade account to your existing Portfolio by Wells Fargo program.
  • Already have a WellsTrade brokerage account but don’t have a Portfolio by Wells Fargo account? Speak with your banker or call 1-866-245-3452.

Mutual funds and ETFs are sold by prospectus. Please consider the investment objectives, risks, charges and expenses carefully before investing. A fund’s prospectus, which contains this and other information, can be obtained by calling your Financial Advisor or by contacting 1-800-872-3377. Read the prospectus carefully before you invest.

Investing involves risks, including the possible loss of principal.

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 suitable 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 Chicago Board Options Exchange, 4000 LaSalle Street, Chicago, IL 60605.

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

What you should know about mutual funds before you buy