Pasiv currently provides commission-free access to all USA exchange-listed stocks and Exchange Traded Funds (ETFs) eligible for global investors, through our brokerage affiliation with ChoiceTrade Inc.

Access the largest and most liquid stock market in the world - the US equities markets, and start building a portfolio of some of your favorite companies.

Membership / Pricing

Pasiv doesn't charge commissions to trade. We don't care if you trade a lot, or you don't trade at all, you do what's right for your money. Whilst many brokers charge a fee to execute each trade, Pasiv charges only a flat annual membership fee of $120 or $12 per month and we provide our members the ability to make unlimited free trades.

Membership Plans (Choose One) :

Your annual membership fee is charged to your debit/credit card at the time of signup. If the charge is declined on your card, we'll give you 60 days to update your card details or make payment with the same card again. If you can't settle the dues in your account, your account will be closed after 60 days and any funds you have in the account will be sent back to you minus the withdrawal fee.

Additional Fees Charged by the US based Broker :

*Your bank or financial institution may charge you a fee to make or receive a wire transfer in addition to this amount. You may be subject to a foreign exchange fee for conversion from USD to your local currency. Withdrawal fee inclusive of all wire-related fees to transfer to your account from the USA.


You can add money to your investment account by going to your Account Screen in Pasiv's app and selecting 'Deposit'

Pasiv is exploring ways to enable customers in the UAE make local deposits at competitive exchange rates to their US Dollar investing account. However at present, all users can initiate a deposit to their investing account by making an international wire transfer using their online banking facility. Bank account instructions are provided in our mobile app during the deposit process.

Here are a few things to remember about making deposits with Pasiv :

  • You must include your unique Pasiv account number in the remarks or reference field of the wire transfer (to avoid any delays).
  • The account holder's name on the source bank account or bank card used for the deposit must match the name on your brokerage account or your funds will be returned.
  • For compliance purposes, you may be asked to provide a bank statement to prove that the funds came from your account.
*It can take anywhere between 5 to 96 hours to credit your deposit to your investment account, depending on how quickly your bank remits the money. Your funds will appear in Pasiv's app as available cash to invest.


You can withdraw money from your investment account to your bank account by going to your Account Screen in Pasiv's mobile app and selecting 'Withdraw'.

Pasiv usually processes withdrawal requests within 24 hours.

Here are a few things to remember about making withdrawals with Pasiv :

  • You can only withdraw money from your available cash. If you want to withdraw funds that are invested, you must sell those securities and wait for the trade to settle in your account as cash, before it can be withdraw.
  • Currently the US securities market settles trade on a T + 2 basis - that means from when you sell the security to when its available in cash it'll take 2 days.
  • There is a withdrawal fee of $60 charged for each withdrawal, inclusive of all international wire transfer fees charged by our custodian bank to send you the money.
  • For compliance, you may be asked to provide a bank statement to prove that the bank you are sending your funds to is your account.
*It can take anywhere between 24 to 96 hours to credit your withdrawal to your bank account. Your funds will appear as a credit in your account.

Trade Settlement

The U.S. financial services industry operates on a two-day settlement cycle (T+2). This means it takes two days from when a buy order is executed to when you take ownership of those securities. Similarly, when you sell an order, you must wait 2 business days until the cash is made available in your account for additional use. This rule applies differently to margin accounts purposed for day trading.

Investing with unsettled funds : if you have unsettled funds in your account or if you sell a position to generate additional funds, you may use those funds as well, so long as you then hold the new position through the settlement of the positions liquidated to make the purchase. If you sell the new position before this occurs, this results in a good faith violation. If the new position is held through settlement, no violation occurs. It should be noted that the violation occurs only if you prematurely SELL the NEW position.

If you intend to buy and hold stocks for an extended period of time, the trade settlement cycle will likely not affect your investing. Pasiv will alert you in app if you attempt to use any unsettled funds to trade. This way you can avoid any good faith violations.

Margin Accounts & Day Trading

A day trade refers to a buy and sell of the same position (same symbol) within the same trading day. All investors have a maximum of 3 day trades allowed within a 5 business day time period in their regular account at zero commissions. Pasiv will alert you in app if you attempt to day trade more than 3 times in a given 5 day window. This way you can avoid any violations.

In order to day trade more than 3 times a week, you must deposit a minimum of $25,000 in your account and apply for a margin account by emailing

Day trading accounts are subject to volume based commissions starting at $1 per trade. A day trading account allows you to short sell securities. Short selling is a type of trade that allows investors to profit when a security falls in value. The idea is to borrow the security, sell it at current prices, and buy it back at cheaper prices.

Click here to learn more about day trading & margin accounts. Day trading with margin involves risk, including potential loss of your capital. Click here to learn more about these risks. It is considered active trading, and breaks from the ethos of passive investing. As such, it is meant for experienced traders only.


Innovation Testing
Pasiv is currently in testing phase and may be subject to limitations on the number of users it can onboard onto its platform including number of transactions placed through its mobile app under the DFSA’s Innovational Testing License (ITL) framework. As a developing company, this may pose risk to you and your investments that are conducted through Pasiv’s mobile application not limited to (a) system downtime, (b) lack of data, (c) lack of data accuracy, (d) inability to place trades (entering and exiting positions or holdings), (e) non-responsive chatbot and/or (f) delays in deposits and withdrawals, (g) sudden application failure, (h) mobile application bugs and (i) early termination of your account and return of funds.

In the event that Pasiv fails to maintain its business or shuts down, your account and funds with ChoiceTrade will be securely maintained, and you will be able to continue to manage your trading and investments directly through ChoiceTrade’s official website. Pasiv is making this disclosure to you so you are aware of the risks associated with using this product during this testing framework lasting up to 1 year, which may adversely affect your ability to manage your funds and may lead to unintended losses on your account. By agreeing to use Pasiv you endorse that you are aware of our status as a new startup firm under a testing framework and you agree to be subject to all the risks outlined above including those not specifically mentioned by Pasiv on this website. Further, you agree to not hold Pasiv liable for any resulting monetary losses you may incur as a result of Pasiv’s technology failing or limiting your investment activities or intentions for any reason.

Zero Commissions
Commission-free trading refers to $0 commissions for Pasiv Financial self-directed individual cash brokerage accounts that trade U.S. listed securities electronically. Keep in mind, other fees such as subscription fees, wire transfer fees, and margin fees may apply to your brokerage account. Users may be subject to paying the spread (difference between Bid & Ask) on illiquid securities that have low daily trading volumes.

All investments involve risks, including the loss of principal. Investors should consider their investment objectives and risks carefully before investing.

U.S. securities offered through ChoiceTrade, member SIPC and FINRA.

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