EXHIBIT 23.1


INDEPENDENT AUDITORS' CONSENT



We consent to the  incorporation  by  reference  in the  following  Registration
Statements of The Charles  Schwab  Corporation of our reports dated February 22,
1999  appearing in and  incorporated  by reference in this Annual Report on Form
10-K of The Charles Schwab Corporation for the year ended December 31, 1998.

Filed on Form S-8:

                
Registration Statement No. 33-30260     (1987 Stock Option Plan)
                                    

Registration Statement No. 33-45356     (Executive Officer Stock Option 
                                        Plan (1987))

Registration Statement No. 33-54701     (1992 Stock Incentive Plan)

Registration Statement No. 333-44793    (Charles Schwab Profit Sharing and 
                                        Employee Stock Ownership Plan)

Registration Statement No. 333-48335    (The Charles Schwab Corporation Employee
                                        Stock Incentive Plan)


Filed on Form S-3:

Registration Statement No. 333-12727    (Debt Securities)

Registration Statement No. 333-54001    (Debt Securities)

Registration Statement No. 333-47107    (The Charles Schwab Corporation Employee
                                        Stock Incentive Plan)




/s/DELOITTE & TOUCHE LLP
San Francisco, California
March 25, 1999