Invest in yourself.

Build your financial future with the Stash app.

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and Privacy Policy.

Why Stash?


Fractional shares

Invest in thousands of stocks and ETFs with $1 or less.


No hidden fee banking2

No overdraft fees. No minimum balances. 19,000 fee-free ATMs.


The Stock-Back® Card

We’ll give you stock in the companies you shop at.1


Budget and save

Effortlessly pay bills, track your spending, and save for goals.


Advice by Stash

From budgets to retirement, make the most of every dollar.


Early payday

Get your paycheck up to 2 days faster with early direct deposit.3

trust image

Trusted by
5 million people.

This is not an endorsement or a statement of satisfaction by any Stash client and is defined by
the number of clients who have e-signed.

Pick your Stash.

Choose the plan that’s right for you. You can switch or cancel anytime.§

Stash Beginner$1/month

Can work for: first-time budgeters and investors

  • Invest in fractional shares
  • Personal investment account
  • Bank account with no hidden fees2
  • Budgeting and saving tools
  • The Stock-Back® Card1
  • Advice and education
  • Payday up to 2 days early3
  • $1,000 of life insurance coverage through Avibra
Get Started

Stash Growth$3/month

Can work for: long-term savers and investors

  • Everything in Stash Beginner
  • Roth or Traditional retirement account (IRA)
  • Tax benefits for retirement investing4
  • Personalized retirement advice
Get Started


Can work for: families, debit card spenders, learning, savvy investors

  • Everything in Stash Beginner
  • Everything in Stash Growth
  • Two investing accounts for kids5
  • Earn 2x stock rewards when you spend

    In addition to 2x rewards on all qualifying purchases, Stash+ subscribers are exclusively eligible for bonus offers on certain purchases. See full T&C.

  • Monthly market insights report
  • Additional $9,000 of life insurance coverage through Avibra
Get Started

Frequently asked questions

What is Stash?chevron icon

Stash is a personal finance app that can help anyone improve their financial life.

From budgeting to saving for retirement, Stash unites banking,1 investing, and advice in one app that helps over 5 million people reach their financial goals—all for one low monthly price.

Is Stash safe?chevron icon

Is Stash legit? Yes. From your investments to your cash, you can feel confident in the security of your money on Stash.

  • Stash uses cutting-edge security features.
  • Stash works to keep your spending safe and secure.
  • Stash is a registered investment advisor with the US Securities and Exchange Commission (SEC).
  • Stash offers FDIC-insured bank accounts through Green Dot Bank.

While such registration does not imply a certain level of skill, it does require us to follow federal regulations that protect you, the investor. By law, we must provide investment advice that is in the best interest of our client.

Bank Account Services provided by Green Dot Bank, Member FDIC. Investment products and services provided by Stash Investments LLC, not Green Dot Bank, and are Not FDIC Insured, Not Bank Guaranteed, and May Lose Value.

Learn more about how we protect you and your assets →

How does Stash work?chevron icon

Stash can give you everything you need to manage your money and get more out of your paycheck. Here’s how Stash works.

  1. Answer a few questions
    When you first join Stash, we’ll get to know you by asking some questions. These help us understand your financial goals and provide you with useful advice for everything from budgeting to investing.

  2. Pick a plan
    Then, you’ll pick your subscription plan, starting at just $1/month.
    With Stash, you always get access to investing with a personal brokerage account, online banking,1 budgeting and saving tools, the Stock-Back® Card, and advice and education. Depending on the plan you choose, you can also add a retirement account (IRA) and custodial investment accounts for kids.

  3. Add money to Stash
    You can add money to Stash in two ways: direct deposit with early payday3 or link another bank to make recurring or one-time transfers.

  4. Bank, budget, and create goals
    Use our bank account and automatic budgeting and saving tools to organize your cash into different spaces,6 create goals, and track your spending.7

  5. Invest in fractional shares
    Once you’ve added cash to invest, you can immediately start investing in fractional shares of thousands of stocks and ETFs with $1 or less. Stash is built for long-term investing, not day-trading, so we only trade during four trading windows every day. (Note: Availability of trading windows is dependent on market conditions and may be subject to limitations.)

  6. Earn stock rewards
    Spend with your virtual or physical Stock-Back® Card to start earning pieces of stock from Stash as rewards for your everyday spending.1

How much does Stash cost?chevron icon

Stash offers three subscriptions plans, starting at just $1/month.

Stash Beginner costs $1/month. It can work for first-time budgeters and investors and includes banking with the Stock-Back® Card,1 investing, budgeting, and personalized advice.

Stash Growth costs $3/month. It can work for people who want to build wealth over the long run and includes banking with the Stock-Back® Card, investing, budgeting, personalized advice, and a Roth or traditional retirement account (IRA).

Stash+ costs $9/month. It can work for people with kids, debit card spenders, and those who want to learn more and includes banking with the metal double Stock-Back® Card, investing, budgeting, personalized advice, a Roth IRA or traditional IRA retirement account, custodial investment accounts for kids, and an exclusive monthly market insights report.

Compare all subscription plans →

Why does Stash charge a monthly fee?chevron icon

Predatory fees are awful—but many big banks and financial institutions are addicted to them. In 2019, Stashers who paid at least one external bank fee paid an average of $382/year in overdraft fees to their other banks.* Stash costs as little as $1/month for all your money needs with no hidden fees.

We’re about transparency. Just like how you pay a flat-fee subscription to a music streaming service for access to millions of songs, you pay Stash a flat-fee subscription ($1, $3, or $9 per month) for access to all your money needs—like banking, investing, budgeting, retirement, rewards, financial advice, and thousands of stocks and ETFs.

Stash doesn’t believe in the bank fees charged by many major banks. Stash charges zero overdraft, minimum balance, maintenance, or hidden fees, and our ATM network includes 19,000 fee-free ATMs nationwide.2 When investing, your subscription comes with unlimited trades with zero add-on trading commissions.

Learn about plans and pricing →

*The average amount of overdraft fees that a Stash banking user paid is derived from data obtained from linked external checking accounts analyzed through the Quovo service. Average overdraft fee calculation is based on a lookback of users’ bank account transactions from January 1, 2019 through December 31, 2019 for the following type of fees: Overdraft Fees, as categorized by Quovo. The Stash banking account does provide overdraft services.

What is Stash’s mission?chevron icon

Stash’s mission is to make personal finance a source of hope, not fear.

Unlike a lot of financial companies, we’re here to help you build strong habits and hit financial goals. That’s why we’ve built Stash into an all-in-one financial home that uses advice and technology to help anyone create a better life—no matter their network or net worth.

To fulfill our mission, we’re focused on four major issues: predatory hidden fees, lack of financial education, intentional complexity, and unfair barriers to entry.

Ready to start
building wealth?

By using this website you agree to our Terms of Use
and Privacy Policy.

Get Stash