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Dhani Stocks vs Motilal Oswal (Compare Dhani Stocks and Motilal Oswal)

So many brokers are offering stock trading & Demat services in India, which one is best, which one provides the services at the lowest price, provides best mobile trading application, the best research team, etc. All answers to your questions would be available here.

Here we provide side by side comparison between Dhani Stocks vs Motilal Oswal, Below comparison of Dhani Stocks vs Motilal Oswal highlights the variations of Brokerage charges & services offered, Compare their ratings, brokerage & AMC charges, Investment choices, Customer Service, Demat Account, features, Platforms, and running offers.

One on One comparison of Dhani Stocks vs Motilal Oswal is given below:

Dhani Stocks

Motilal Oswal

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	Dhani Stocks	Motilal Oswal

About The Brokers

Dhani Stocks :

"Dhani Stocks is India’s leading discounted stockbroker offering an unlimited subscription plan with nil brokerage and free call & trade + trading + funds transfers. >>> more

Motilal Oswal :

"Solid research is considered as the foundation of Motilal Oswal Securities. Almost 10% of revenue is invested on equity research. They have been awarded as India&apos >>> more

Find More Information about the Broker :

Dhani Stocks :

OVERVIEW BROKERAGE

Motilal Oswal :

OVERVIEW BROKERAGE PRODUCTS & SERVICES TRADING PLATFORM & TOOLS RATING

Type of Broker

Dhani Stocks :

Discount Broker

Motilal Oswal :

Full Service Broker

Promo/offers

Dhani Stocks :

N/A

Motilal Oswal :

Special Offer: FREE Account Opening + FREE Intraday Trades + FREE Personal Advisor & Research + FREE for 1st Year Demat AMC Open your FREE Demat Account in 5 Minutes.

Advantage

Dhani Stocks :

✔ What Dhani Stocks Does Well

✓	₹0 delivery brokerage — free for long-term investors
✓	₹15/order intraday & F&O — ₹5 cheaper than ₹20 standard
✓	₹500/month unlimited plan — cheapest unlimited plan in India
✓	₹0 AMC lifetime + ₹0 account opening
✓	NRI accounts available — PIS + NRO supported
✓	TradingView-powered charts
✓	PIB desktop terminal for active traders
✓	Commodity F&O available (0.03% brokerage)
✓	MF investment at zero commission

Motilal Oswal :

✔ What Motilal Oswal Does Well

✓	Free intraday for lifetime — no other full-service broker in India offers this. Zero conditions, zero time limit
✓	Research: 80,000+ reports; 100 stocks; 45 sectors; ~10% revenue invested in research annually
✓	Delivery brokerage negotiable for high-volume traders — unique vs fixed-rate peers
✓	MOAMC PMS (Portfolio Management Services) for HNI investors — professionally managed portfolios
✓	Listed company (BSE + NSE) — transparent quarterly financials; 35+ year operating history
✓	Account opening ₹0; AMC ₹0 yr1; free personal advisor to all account holders
✓	Options ₹20/lot — competitive; far lower than ICICI Direct default (₹49/lot)
✓	Smartwatch trading app (Apple Watch + Android Wear) — unique in Indian retail broking
✓	Trade Guide Signal (automated buy/sell signals via technical rules) + EDUMO education module

Disadvantage

Dhani Stocks :

✘ Where Dhani Stocks Short

✗	Parent company (Dhani Services) has pivoted to real estate as primary business — broking is secondary
✗	Parent quarterly revenue declining (Q1 FY26 down 24.7% YoY)
✗	Parent stock (Dhani Services) declined ~15% over 6 months
✗	Customer support widely reported as slow
✗	Multiple name changes (Indiabulls → Dhani) create brand confusion
✗	Platform innovation slower than app-first brokers
✗	Commodity brokerage 0.03% (not flat fee) — less predictable
✗	No GTT orders
✗	No advanced order types (basket, iceberg, multi-leg)

Motilal Oswal :

✘ Where Motilal Oswal Falls Short

✗	No 3-in-1 account — fund transfers are manual; NRIs must transfer from PIS before each buy order
✗	Delivery 0.20% — high vs ₹0 at Zerodha, Groww, Dhan, Shoonya
✗	Commodity options ₹200/lot — among the highest in reviewed broker set
✗	AMC ₹199/year from yr2 — small but worth knowing (some sources cite ₹300 — verify at opening)
✗	No foreign offices for NRI support; tie-up with HDFC Bank for NRI banking only
✗	DP charge (0.025% or ₹30 inside MOFSL) — percentage-based; higher than Zerodha (₹15.34 flat)
✗	MO Investor app less modern than Dhan, Upstox, or Kotak Neo in terms of UI/UX

Why This

Dhani Stocks :

Free Delivery Trade, Dhani Stocks does not charge any brokerage on Delivery trade.
Rs.15 per executed order across all the segments
Dhani Stocks is a part of Indiabulls Group, the pioneer of the financial service, and has had its presence in housing finance, infrastructure, wealth management, consumer finance for 20+ years.
100% paperless online Demat account opening
Dhani Stocks offers unlimited trading and a free Demat account with a monthly subscription plan of INR 500.
Dhani Stocks offers nil brokerage in unlimited trading subscription plans in equity delivery, intraday, and F&O.
Dhani Stocks Demat account offers loans based on the securities in the account.
Dhani Stocks supports exchanges — MCX, NSE, BSE, AND NCDEX.
Dhani Stocks offers the lowest commodity trading brokerage of 3 paise or 0.03%
Dhani Stocks offers extensive deep market research on mutual funds, equity reports, daily market reports, research ETF, quarterly analysis results, free tips, and news alerts for free.
Dhani Stocks is India's first online broker company to obtain CRISIL's, the leading trader quality grading of BQ-1, for its outstanding financial stability.

Motilal Oswal :

Wide Network with over 2200 Sub-brokers and Franchise partners in 500+ cities in India serving >9L customers.
Free Call and Trade Service.
Dedicated and award winning research with daily, weekly, monthly & yearly reports.
80,000+ research reports across 230+ companies and 21+ sectors.
Dedicated large cap, mid cap & technical research teams.
Advice across Equity, Derivatives, Commodity, Currency and Mutual Funds.
LIVE streaming quotes and technical charts to help you make the right decision.
Option to trade across exchanges - BSE, NSE, NCDEX, MCX, MSEI.
Dedicated customer service team with a 6-hour query resolution TAT.

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Dhani Stocks vs Motilal Oswal Account Opening & AMC Charges

Dhani Stocks Trading Account Opening Fee is Rs 0 (Free) and Motilal Oswal Trading Account Opening Fee is Rs 0 (Free) . Dhani Stocks Demat Account AMC is Rs 0 and Motilal Oswal Demat Account AMC is Rs 199 (Free for 1st Year) .

	Dhani Stocks	Motilal Oswal
Trading Account Opening Fee	Trading Account Opening Fee : Rs 0 (Free)	Trading Account Opening Fee : Rs 0 (Free)
Demat Account Opening Fee	Demat Account Opening Fee : Rs 0	Demat Account Opening Fee : Rs 0
Demat Account AMC	Demat Account AMC : Rs 0	Demat Account AMC : Rs 199 (Free for 1st Year)
Trading Account AMC	Trading Account AMC : Rs 0	Trading Account AMC : Rs 0
	Open Account	Open Account

Dhani Stocks vs Motilal Oswal Brokerage Charges

Dhani Stocks Brokerage Charges Equity Delivery is Rs 0 (Free) and Equity Intraday is Rs 0 (Free) and Equity Options is Rs 0 (Free) . Motilal Oswal Brokerage Charges Equity Delivery is 0.20% and Equity Intraday is Rs 0 (Free for lifetime) and Equity Options is Rs 20 per lot .

	Dhani Stocks		Motilal Oswal
Plan Name	Plan Name : Dhani Stocks default Brokerage Plan	Plan Name : Dhani Stocks Unlimited Brokerage Plan	Plan Name : Standard Plan	Plan Name : Value Pack (VP2KLT)	Plan Name : Value Pack (VP1LACLT)
Equity Delivery	Equity Delivery : Rs 0 (Free)	Equity Delivery : Rs 0	Equity Delivery : 0.20%	Equity Delivery : -	Equity Delivery : -
Equity Intraday	Equity Intraday : Rs 0 (Free)	Equity Intraday : Rs. 20 per executed order or 2.5% whichever is low	Equity Intraday : Rs 0 (Free for lifetime)	Equity Intraday : -	Equity Intraday : -
Equity Future	Equity Future : Rs 0 (Free)	Equity Future : Rs. 20 per executed order	Equity Future : 0.02%	Equity Future : -	Equity Future : -
Equity Options	Equity Options : Rs 0 (Free)	Equity Options : Rs. 20 per executed order	Equity Options : Rs 20 per lot	Equity Options : -	Equity Options : -
Currency Futures	Currency Futures : Rs 0 (Free)	Currency Futures : Rs. 20 per executed order	Currency Futures : Rs 20 per lot	Currency Futures : -	Currency Futures : -
Currency Options	Currency Options : Rs 0 (Free)	Currency Options : Rs. 20 per executed order	Currency Options : Rs 20 per lot	Currency Options : -	Currency Options : -
Monthly Fee	Monthly Fee : -	Monthly Fee : -	Monthly Fee : NA	Monthly Fee : -	Monthly Fee : -
Margin Trading	Margin Trading : -	Margin Trading : -	Margin Trading : -	Margin Trading : -	Margin Trading : -
Commodity Futures	Commodity Futures : -	Commodity Futures : Rs. 20 per executed order	Commodity Futures : 0.02%	Commodity Futures : -	Commodity Futures : -
Commodity Options	Commodity Options : -	Commodity Options : Rs. 20 per executed order	Commodity Options : Rs 200 Per Lot	Commodity Options : -	Commodity Options : -
	Open Account		Open Account

Dhani Stocks vs Motilal Oswal Exchange Transaction Charges

Dhani Stocks Exchange Transaction Charges Equity Future is NSE Rs 190 per Cr (0.0019%) | BSE Rs 0 and Equity Options is NSE Rs 5000 per Cr (0.05%) | BSE Rs 3700 per Cr (0.037%) (on premium) . Motilal Oswal Exchange Transaction Charges Equity Future is NSE Rs 190 per Cr (0.0019%) | BSE Rs 0 and Equity Options is NSE Rs 5000 per Cr (0.05%) | BSE Rs 3700 per Cr (0.037%) (on premium) .

	Dhani Stocks	Motilal Oswal
Equity Delivery	Equity Delivery : NSE Rs 325 per Cr (0.00325%) \| BSE Rs 375 per Cr (0.00375%) (each side)	Equity Delivery : NSE Rs 325 per Cr (0.00325%) \| BSE Rs 375 per Cr (0.00375%) (each side)
Equity Intraday	Equity Intraday : NSE Rs 325 per Cr (0.00325%) \| BSE Rs 375 per Cr (0.00375%) (sell side)	Equity Intraday : NSE Rs 325 per Cr (0.00325%) \| BSE Rs 375 per Cr (0.00375%) (sell side)
Equity Future *	Equity Future : NSE Rs 190 per Cr (0.0019%) \| BSE Rs 0	Equity Future : NSE Rs 190 per Cr (0.0019%) \| BSE Rs 0
Equity Options *	Equity Options : NSE Rs 5000 per Cr (0.05%) \| BSE Rs 3700 per Cr (0.037%) (on premium)	Equity Options : NSE Rs 5000 per Cr (0.05%) \| BSE Rs 3700 per Cr (0.037%) (on premium)
Currency Futures *	Currency Futures : NSE Rs 90 per Cr (0.0009%) \| BSE Rs 90 per Cr (0.0009%)	Currency Futures : NSE Rs 90 per Cr (0.0009%) \| BSE Rs 90 per Cr (0.0009%)
Currency Options	Currency Options : NSE Rs 4000 per Cr (0.04%) \| BSE Rs 100 per Cr (0.001%) (on premium)	Currency Options : NSE Rs 4000 per Cr (0.04%) \| BSE Rs 100 per Cr (0.001%) (on premium)
Commodity	Commodity : Agro (MCX) Group A: Rs 260 per cr (0.0026%)	Commodity : MCX: Rs 250 per Cr (0.0025%)
	Open Account	Open Account

Dhani Stocks vs Motilal Oswal Other Charges

Dhani Stocks Minimum Brokerage is Rs 0.01 per order (for Equity, F&O, Currency) and Call & Trade is Rs 0 (Free) . Motilal Oswal Minimum Brokerage is Rs 25 for Delivery and Call & Trade is Free .

	Dhani Stocks	Motilal Oswal
Minimum Brokerage	Minimum Brokerage : Rs 0.01 per order (for Equity, F&O, Currency)	Minimum Brokerage : Rs 25 for Delivery
Call & Trade	Call & Trade : Rs 0 (Free)	Call & Trade : Free
Stamp Duty *	Stamp Duty : -	Stamp Duty : -
DP Charges (on sell side)	DP Charges (on sell side) : ₹13.5 per scrip	DP Charges (on sell side) : ₹20 or 0.025% of transaction value whichever is higher
Other Miscellaneous Charges	Other Miscellaneous Charges : Margin trading funding: 18% P. A.	Other Miscellaneous Charges : -
	Open Account	Open Account

Dhani Stocks vs Motilal Oswal Features

Dhani Stocks and Motilal Oswal both offer a host of features, trading tools & platforms to their clients. Their comparative analysis is in the below table:

	Dhani Stocks	Motilal Oswal
Trading Platform	Trading Platform : Dhani Stocks App	Trading Platform : MO Investor App, MO Trader App, MO Trader Web, MO Trader EXE
Placing orders through charts	Placing orders through charts : -	Placing orders through charts : No
Trading Alerts	Trading Alerts : -	Trading Alerts : Yes
Research and Advice / Trading Tips	Research and Advice / Trading Tips : -	Research and Advice / Trading Tips : -
Detailed Education Initiatives	Detailed Education Initiatives : -	Detailed Education Initiatives : Yes
Unique features & Offers	Unique features & Offers : -	Unique features & Offers : -
Referral Program	Referral Program : 1	Referral Program : 1
Margin Against Shares (Equity Cash) *	Margin Against Shares (Equity Cash) : Yes	Margin Against Shares (Equity Cash) : Yes
Margin Against Shares (Equity F&O) *	Margin Against Shares (Equity F&O) : Yes	Margin Against Shares (Equity F&O) : Yes
	Open Account	Open Account

Dhani Stocks vs Motilal Oswal Demat Account Charges

A comparative table of various demat account charges between Dhani Stocks and Motilal Oswal is below:

	Dhani Stocks	Motilal Oswal
Depository Service Provider	Depository Service Provider : CDSL, NSDL	Depository Service Provider : CDSL
Account Opening Fee	Account Opening Fee : Nil	Account Opening Fee : Nil
Advance Deposit	Advance Deposit : Nil	Advance Deposit : Nil
AMC	AMC : Nil	AMC : Rs 199 (Free for 1st Year)
Dematerialisation Charges	Dematerialisation Charges : â‚¹5 per certificate/unit + â‚¹50 courier charges	Dematerialisation Charges : Rs 100 per certificate + Rs 50 per certificate
Rematerialisation Charges	Rematerialisation Charges : â‚¹35 for every 100 securities/MF units or part thereof	Rematerialisation Charges : Rs 35 per certificate or per 100 shares and part thereof which ever is higher + 25 courier charges
Transaction Charges (Credit)	Transaction Charges (Credit) : -	Transaction Charges (Credit) : -
Transaction Charges (debit)	Transaction Charges (debit) : â‚¹13.5 per trasnaction	Transaction Charges (debit) : 0.025% or Rs 30
Pledge Creation Charges	Pledge Creation Charges : â‚¹35 or 0.02% of the transaction value whichever is higher	Pledge Creation Charges : Rs 35 or 0.02% (whichever is higher) as per ISIN request
Pledge Creation Confirmation Charges	Pledge Creation Confirmation Charges : â‚¹35 or 0.02% of the transaction value whichever is higher	Pledge Creation Confirmation Charges : Nil
Pledge Invocation Charges	Pledge Invocation Charges : â‚¹35 or 0.02% of the transaction value whichever is higher	Pledge Invocation Charges : Rs 35 or 0.02% (whichever is higher) as per ISIN request
Failed Instruction Charges	Failed Instruction Charges : Nil	Failed Instruction Charges : Nil
Other Charges	Other Charges : Margin Pledge /Unpledge: â‚¹15 Margin pledge Invocation: Nil Fax Indemnity - Actual Demat Rejection - â‚¹25 + Courier Charges Renewal charges for resuming the Services - â‚¹100 per account. Interest at 24% p.a for NSDL client and 13% p.a for CDSL client is charged on the outstanding bill after one month from the due date.	Other Charges : Demat Rejection: Rs 50 per request
	Open Account	Open Account

Dhani Stocks vs Motilal Oswal Basic Details

Dhani Stocks Year of Incorporation is 2000 and Total Number of Clients is 30286 and Total Number of Branches is 18 . Motilal Oswal Year of Incorporation is 1987 and Total Number of Clients is 904002 and Total Number of Branches is 305 .

	Dhani Stocks	Motilal Oswal
Year of Incorporation	Year of Incorporation : 2000	Year of Incorporation : 1987
Active Exchange Memberships	Active Exchange Memberships : NSE, BSE, MCX & NCDEX	Active Exchange Memberships : NSE, BSE, MCX
Demat Services	Demat Services : Yes	Demat Services : Yes
Website	Website : https://www.dhanistocks.com/	Website : https://www.motilaloswal.com
Contact Details	Contact Details : -	Contact Details : 022-30896680
Total Number of Clients	Total Number of Clients : 30,286	Total Number of Clients : 904,002
Total Number of Branches	Total Number of Branches : 18	Total Number of Branches : 305
Products *	Products : Mutual Fund, Broking	Products : Investment banking, institutional broking, retail broking, private wealth management, and financial product distribution
Key USP *	Key USP : -	Key USP : ₹0 intraday lifetime; 80,000+ research reports; PMS; 35+ years
Broker Type *	Broker Type : -	Broker Type : Full-Service
	Open Account	Open Account

Dhani Stocks vs Motilal Oswal Orders

Orders

	Dhani Stocks	Motilal Oswal
Cover Orders (CO)	Cover Orders (CO) : Yes	Cover Orders (CO) : Yes
Bracket orders / One Cancels Other (BO / OCO)	Bracket orders / One Cancels Other (BO / OCO) : Yes	Bracket orders / One Cancels Other (BO / OCO) : Yes
After Market Orders (AMO)	After Market Orders (AMO) : Yes	After Market Orders (AMO) : No
Buy Today Sell Tomorrow (BTST) *	Buy Today Sell Tomorrow (BTST) : Yes	Buy Today Sell Tomorrow (BTST) : Yes
Sell Today Buy Tomorrow (STBT) *	Sell Today Buy Tomorrow (STBT) : No	Sell Today Buy Tomorrow (STBT) : Yes
Good Till Cancelled (GTC) *	Good Till Cancelled (GTC) : No	Good Till Cancelled (GTC) : Yes
	Open Account	Open Account

Dhani Stocks vs Motilal Oswal Research and Advice / Trading Tips

Research and Advice / Trading Tips

	Dhani Stocks	Motilal Oswal
Equity Trading Recommendation *	Equity Trading Recommendation : -	Equity Trading Recommendation : Yes
Equity Investment Recommendation *	Equity Investment Recommendation : -	Equity Investment Recommendation : Yes
Recommendation basis risk Profile *	Recommendation basis risk Profile : -	Recommendation basis risk Profile : Yes
Comparison *	Comparison : -	Comparison : Yes
Free Tips *	Free Tips : No	Free Tips : Yes
Daily Market report *	Daily Market report : No	Daily Market report : Yes
ETF research *	ETF research : -	ETF research : Yes
Quarterly Results *	Quarterly Results : No	Quarterly Results : Yes
	Open Account	Open Account

Dhani Stocks vs Motilal Oswal Franchisee / Authorized Person related information

Franchisee / Authorized Person related information

	Dhani Stocks	Motilal Oswal
Availability for franchisee / AP	Availability for franchisee / AP : -	Availability for franchisee / AP : Yes
Investment required for Franchisee / AP	Investment required for Franchisee / AP : -	Investment required for Franchisee / AP : Rs.10000 to Rs.10,00,000
	Open Account	Open Account

Dhani Stocks vs Motilal Oswal Product & Services

Dhani Stocks and Motilal Oswal both offer a host of Products & Services for a better trading experience for their clients. Their comparative analysis is in the below table:

	Dhani Stocks	Motilal Oswal
Delivery Based Trading *	Delivery Based Trading : Yes	Delivery Based Trading : Yes
Margin Trading *	Margin Trading : No	Margin Trading : Yes
Call N Trade *	Call N Trade : Yes	Call N Trade : Yes
Trading in Both the exchanges *	Trading in Both the exchanges : Yes	Trading in Both the exchanges : Yes
Limit Order *	Limit Order : Yes	Limit Order : Yes
3-in-1 On-line Trading Account *	3-in-1 On-line Trading Account : No	3-in-1 On-line Trading Account : No
NRI Services *	NRI Services : Yes	NRI Services : Donot Know
SMS Alerts *	SMS Alerts : Yes	SMS Alerts : Yes
Offers Multiple Plan *	Offers Multiple Plan : Yes	Offers Multiple Plan : No
IPO Investment *	IPO Investment : Yes	IPO Investment : Yes
Portfolio Analysis *	Portfolio Analysis : -	Portfolio Analysis : Yes
Advanced Charting Features *	Advanced Charting Features : -	Advanced Charting Features : Yes
Brokerage Calculator *	Brokerage Calculator : -	Brokerage Calculator : No
Margin Calculator *	Margin Calculator : -	Margin Calculator : No
Stop Loss Order *	Stop Loss Order : -	Stop Loss Order : Yes
Bracket Orders & Trailing Stop Loss *	Bracket Orders & Trailing Stop Loss : -	Bracket Orders & Trailing Stop Loss : No
Equity Future & Option Trading *	Equity Future & Option Trading : -	Equity Future & Option Trading : Yes
Currency Future & Option Trading *	Currency Future & Option Trading : -	Currency Future & Option Trading : Yes
Market Trading *	Market Trading : -	Market Trading : Yes
Monthly & Yearly Plan *	Monthly & Yearly Plan : Yes	Monthly & Yearly Plan : No
Aumtomated Trading *	Aumtomated Trading : -	Aumtomated Trading : No
	Open Account	Open Account

Dhani Stocks vs Motilal Oswal Customer Services

Dhani Stocks and Motilal Oswal both offer a host of Customer service options to their clients to quickly solve their queries or grievances if any. Their comparative analysis is in the below table:

	Dhani Stocks	Motilal Oswal
Toll Free Number *	Toll Free Number : -	Toll Free Number : No
Live Chat Facility *	Live Chat Facility : -	Live Chat Facility : No
Email Facility *	Email Facility : -	Email Facility : Yes
Branch Offices *	Branch Offices : -	Branch Offices : Yes
Customer Care *	Customer Care : -	Customer Care : Yes
Community Service *	Community Service : -	Community Service : Yes
Relationship Manager *	Relationship Manager : -	Relationship Manager : -
24/7 Support *	24/7 Support : -	24/7 Support : No
	Open Account	Open Account

Dhani Stocks vs Motilal Oswal Other Investement

Dhani Stocks and Motilal Oswal both offer a lot of investment avenues apart from Stock trading on their platforms to their clients to make a better trading experience. Their comparative analysis is in the below table:

	Dhani Stocks	Motilal Oswal
Commodity Trading *	Commodity Trading : -	Commodity Trading : Yes
Investment in ETFs *	Investment in ETFs : -	Investment in ETFs : Yes
Investment in Mutual Funds *	Investment in Mutual Funds : -	Investment in Mutual Funds : Yes
Investment in Bonds *	Investment in Bonds : -	Investment in Bonds : Yes
Investment in Corporate Debt instruments *	Investment in Corporate Debt instruments : -	Investment in Corporate Debt instruments : Yes
Insurance Services *	Insurance Services : -	Insurance Services : Yes
Banking Services *	Banking Services : -	Banking Services : No
	Open Account	Open Account

Dhani Stocks vs Motilal Oswal Trading Platform

Dhani Stocks and Motilal Oswal both offer a host of Trading Platform for a better trading experience for their clients. Their comparative analysis is in the below table:

	Dhani Stocks	Motilal Oswal
Web Platform *	Web Platform : -	Web Platform : Yes
Android Mobile App *	Android Mobile App : -	Android Mobile App : Yes
Desktop Windows *	Desktop Windows : -	Desktop Windows : Yes
Desktop Mac *	Desktop Mac : -	Desktop Mac : No
I-Pad App *	I-Pad App : -	I-Pad App : No
Virtual Trading *	Virtual Trading : -	Virtual Trading : Yes
iPhone Mobile App *	iPhone Mobile App : -	iPhone Mobile App : Yes
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	Open Account	Open Account