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Argent vs Charles Schwab

Argent logo

Argent

Software

The smart wallet for DeFi and NFTs

From
Free
Rated
-
Full reviewWebsite
Charles Schwab logo

Charles Schwab

Software

Investing made simple

From
On request
Rated
-
Full reviewWebsite

The short version

  • Only Argent has a free tier, so it costs nothing to try first.
  • Each has a real cost: Argent renamed Ready, and argent.xyz now redirects to ready.co, so the Argent name is retired; Charles Schwab broker-assisted trades cost $25 and automated phone trades cost $5 in addition to the standard $0 online commission, per the App Store listing for Schwab Mobile
  • They diverge on capability: Argent covers Smart Contract Wallet, Charles Schwab covers Commission-free trading.

Where they differ

Only the attributes on which Argent and Charles Schwab actually diverge.

Attributes where Argent and Charles Schwab differ
AttributeArgentCharles Schwab
Starting priceFreeOn request
Pricing modelfreetransaction
Free tierYesNo
PlatformsIos, AndroidWeb, IOS, Android
Founded20181971

Identical on both: user rating (Not yet rated), category (Unknown).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in Argent

  • Smart Contract Wallet
  • Social Recovery
  • No Seed Phrase
  • Built-in DeFi
  • NFT Support
  • Ethereum
  • zkSync
  • Starknet

Only in Charles Schwab

  • Commission-free trading
  • Retirement planning
  • Wealth management
  • Research tools
  • Bank accounts
  • Investment accounts
  • Web support
  • IOS support

Both cover

  • Android support

What people use each for

The jobs each tool is most often brought in to do.

Argent

  • Self-custodial wallet on mobilenot Charles Schwab
  • Holding digital dollars under your own controlnot Charles Schwab
  • Spending through a virtual card with Apple Pay or Google Paynot Charles Schwab
  • Connecting to dapps through WalletConnectnot Charles Schwab

Charles Schwab

  • Budget Managementnot Argent
  • Expense Trackingnot Argent
  • Investment Trackingnot Argent

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Argent

  • Renamed Ready, and argent.xyz now redirects to ready.co, so the Argent name is retired
  • The product has shifted toward community cards and digital dollars rather than being presented purely as a crypto wallet
  • Supported chains are no longer listed on the main site

Charles Schwab

  • Broker-assisted trades cost $25 and automated phone trades cost $5 in addition to the standard $0 online commission, per the App Store listing for Schwab Mobile
  • Options trades carry a $0.65 per-contract fee on top of the $0 online commission, per the App Store listing for Schwab Mobile

Pricing, plan by plan

Argent

Free
  • FreeFree
    • Smart wallet
    • Social recovery
    • DeFi

Charles Schwab

On request
  • Individual BrokerageFree
    • Commission-free trading
    • Research tools
  • Schwab Advisor Services$undefined/month
    • All Brokerage features
    • Wealth management
    • Personal advisors

Which should you pick?

Choose Argent if

  • You need smart contract wallet.
  • You want to start without paying.
  • You work on Ios, Android.
  • You also want social recovery.
Argent review

Choose Charles Schwab if

  • You need commission-free trading.
  • You work on Web, IOS, Android.
  • You also want retirement planning.
Charles Schwab review

Questions people ask

Is Argent or Charles Schwab better?
Neither clearly leads. Argent starts at Free and Charles Schwab at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Argent or Charles Schwab?
Argent has a free tier; the other does not. Paid plans start at Free for Argent and On request for Charles Schwab.
Does Argent or Charles Schwab run on more platforms?
Argent runs on Ios, Android. Charles Schwab runs on Web, IOS, Android.
Can I use Argent for free?
Yes. Argent has a free tier, so you can try it without paying. Charles Schwab starts at On request.
What is Argent best used for?
Argent is most often used for self-custodial wallet on mobile, holding digital dollars under your own control, spending through a virtual card with apple pay or google pay, connecting to dapps through walletconnect. Of those, self-custodial wallet on mobile and holding digital dollars under your own control are not what Charles Schwab is typically brought in for.
What can Argent do that Charles Schwab cannot?
Argent covers Smart Contract Wallet, Social Recovery, No Seed Phrase, Built-in DeFi. Charles Schwab covers Commission-free trading, Retirement planning, Wealth management, Research tools. Both handle Android support.
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